Verified provider profile

ClearBank

ClearBank is a UK (outside the EU/EEA) fintech-infrastructure provider (BaaS, IBAN sponsor). Verified at source - licence, regulator and registry reference. Active

UKEEA data: PartialLicence: BankVerified at source 2026-07-19
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Who it's for

ClearBank is built for teams that want accounts, payments and cards behind one contract and one API. It operates with a full banking licence - deposit-guaranteed accounts and credit products are on the table. 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)
  • Ownership / control: no change of control on record
  • Local IBANs: GB; NL
  • Client funds: deposits at a credit institution - deposit guarantee scheme applies (up to EUR 100,000)

What ClearBank does

BaaSIBAN sponsor

Capabilities & rails

  • MiCA: CASP
  • Payment rails (documented): SCT · SCT Inst · FPS · Bacs · CHAPS
  • Account model: Virtual · Dedicated
  • Account currencies: EUR; GBP

Verified licence profile

UK clearing bank (PRA/FCA) + ECB credit-institution licence via DNB (NL) for EUR. GBP at BoE, EUR at DNB/ECB. EEA-capable now. ClearBank Europe became the first Dutch credit institution cleared as a MiCA CASP (AFM notification, Apr 2026), offering Circle EURC/USDC to institutional clients.

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 How we verify → · Official website: clear.bank · Spotted something out of date?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

Built on

  • Circle (runs-on) — Offers Circle EURC/USDC stablecoins to institutional clients (Apr 2026)

Timeline

  • 2026-04 [licence] ClearBank Europe first Dutch credit institution cleared as MiCA CASP; offers Circle EURC/USDC

European alternatives to ClearBank

  • Cecabank EU core Bank Spain · EEA: YesShared: BaaS, IBAN sponsor, MiCA CASP, Local IBANs
  • Moonrise EU core Bank Denmark · EEA: YesShared: BaaS, IBAN sponsor, Accounts: Virtual / Dedicated, Local IBANs
  • Banking Circle EU core Bank Luxembourg · EEA: YesShared: BaaS, IBAN sponsor, Accounts: Virtual, Local IBANs
  • LHV EU core Bank Estonia · EEA: YesShared: IBAN sponsor, BaaS, Accounts: Virtual, Local IBANs
  • Striga EU core EMI Luxembourg · EEA: YesShared: BaaS, IBAN sponsor, MiCA CASP, Accounts: Virtual, Local IBANs
  • Bankera EU core EMI Lithuania · EEA: YesShared: BaaS, IBAN sponsor, Accounts: Virtual / Dedicated, Local IBANs

Side-by-side

ClearBank vs Modulr

Verified facts in one table - licence, residency, rails. No verdict.

FAQ

Is ClearBank European / EEA-based?

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

What does ClearBank do?

ClearBank covers: BaaS, IBAN sponsor. Verified at source by Fintechnologica.

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