Verified provider profile

Clear Junction

Clear Junction is a UK (outside the EU/EEA) fintech-infrastructure provider (IBAN sponsor, Cross-border payments / FX). Verified at source - licence, regulator and registry reference. Active

UK · UK / NetherlandsEEA data: PartialLicence: EMIVerified at source 2026-07-19
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Who it's for

Clear Junction is built for products that need customer accounts and IBANs issued under the provider's licence. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: local IBANs in GB, NL.

Sovereignty profile

  • Data residency (EEA): Partial - partly in the EEA - check the rail
  • Company origin: UK (UK / Netherlands)
  • Ownership / control: no change of control on record
  • Local IBANs: GB; NL
  • Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed

What Clear Junction does

IBAN sponsorCross-border payments / FX

Capabilities & rails

  • Payment rails (documented): SCT · SCT Inst · FPS · CHAPS · SWIFT
  • Account model: Virtual · Named virtual
  • Account currencies: EUR; GBP

Verified licence profile

Clear Junction (UK; + Netherlands; est. 2016) - cross-border payments and named virtual IBANs for banks, EMIs and VASPs; correspondent accounts over SEPA/SEPA Instant/Faster Payments/CHAPS/SWIFT (11 currencies). FCA EMI (UK) + CJ Digital EU B.V. (DNB, Netherlands).

Verified 2026-07-19. How we verify → · Official website: clearjunction.com · Spotted something out of date? Report a correction.

Official register entries

  • E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 900684 · Active (FCA Financial Services Register, as of 2026-09-18)

Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.

European alternatives to Clear Junction

  • TransferMate EU core EMI Ireland · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Accounts: Virtual, Local IBANs
  • ECOMMBX EU core EMI Cyprus · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Genome EU core EMI Lithuania · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Nexpay EU core EMI Lithuania · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Paysera EU core EMI Lithuania · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Ebury EU core EMI Spain / UK · EEA: PartialShared: IBAN sponsor, Cross-border payments / FX, Local IBANs

FAQ

Is Clear Junction European / EEA-based?

Partly. Clear Junction is UK origin (UK / Netherlands); part of its rail or data sits outside the EEA - check the licence profile.

What does Clear Junction do?

Clear Junction covers: IBAN sponsor, Cross-border payments / FX. Verified at source by Fintechnologica.

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