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
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)
- Local IBANs: GB; NL
- Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed
What Clear Junction does
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 How we verify → · Spotted something out of date? Report a correction. · Are you Clear Junction? Work with us →
Official register entries
- E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 900684 · Active (FCA Financial Services Register, as of 2026-07-18)
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
🏦 Local IBANs: GB DE LU
Banking Circle S.A. (Luxembourg) - cross-border banking, accounts, payments and settlement for banks, PSPs and fintechs; issues the EURI euro stablecoin. Credit institution, CSSF (LUB00000408); not the unrelated 'Circle Group S.A.'.
🏦 Local IBANs: ES GB BE
EMI FCA (Ebury Partners UK) + Ebury Partners Belgium (EEA) + Spain branch (Bank of Spain reg 6889); own-IBAN accounts; majority Santander.
🏦 Local IBANs: CY
ECOMMBX (Cyprus) - business IBAN accounts in the company's own name, cross-border payments, cards, acquiring and multi-currency (ECOMMVERSE platform). Cypriot EMI (Central Bank of Cyprus).
🏦 Local IBANs: LT
Genome (UAB Maneuver, Lithuania; since 2018) - LT IBANs, accounts and cards. EMI LB000453 (Bank of Lithuania).
🏦 Local IBANs: BE
iBanFirst (Belgium) - own IBAN accounts and cross-border multi-currency payments. Payment institution, National Bank of Belgium (company 0849.872.824).
🏦 Local IBANs: LT
UAB NexPay (reg 304708124) - EMI, Bank of Lithuania; dedicated IBANs + payments for digital businesses; passported across 30 EEA; SEPA (SCT/Inst) + SWIFT (BIC NEUALT21). Also crypto OTC (Nexdesk).
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.