Infrastructure bank tracked in the Embedded Finance Index. Named by 41 companies, most often as their banking-as-a-service. Sells embedded finance as ClearBank Embedded Banking.
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41 companies name ClearBank in their stack. The most common role is banking-as-a-service (40). A company can use the same bank for more than one thing. Compare it with what ClearBank says it sells, below.
ClearBank launched in 2017 as the first new UK clearing bank in over 250 years. It lets regulated firms launch branded accounts without becoming a bank, and promises no proposition overlap with its clients. It now also runs an EU entity supervised by DNB.
“Launch regulated financial products without the cost and complexity of becoming a bank”clear.bank ↗
Founded 2015 by WorldPay veteran Nick Ogden as the first new UK clearing bank in over 250 years, ClearBank built a cloud-native, API-first banking platform offering direct access to UK payment schemes (Faster Payments, BACS, CHAPS) plus FSCS-protected deposits — a deliberate alternative to EMI-based BaaS providers like Modulr and OpenPayd. The 2022 Apax round funded a shift from UK-only clearing to multi-currency embedded banking across Europe, with explicit plans for North America and APAC. Today the company positions itself as a full-stack embedded finance provider (accounts, payments, safeguarding, FX) for both regulated fintechs and non-financial brands.
Other banks named for BaaS in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
An embeddable badge for ClearBank’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.
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alt="Ranked #5 of 347 in BaaS — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/clearbank/install" width="1" height="1" alt="" style="display:none">41 companies disclose ClearBank in their stack in the Embedded Finance Index 2026, including Allica Bank, Form3, Microsoft, Manchester Credit Union, Recognise, TrueLayer, Algbra Labs, Autorek, Thistle, incuto and 2 others.
ClearBank is a infrastructure bank. Companies in the Embedded Finance Index 2026 name it as their banking-as-a-service (40), sponsor bank (5) and fx & payouts (2).
Yes, as ClearBank Embedded Banking. ClearBank launched in 2017 as the first new UK clearing bank in over 250 years. It lets regulated firms launch branded accounts without becoming a bank, and promises no proposition overlap with its clients. It now also runs an EU entity supervised by DNB.
The most-disclosed BaaS alternatives to ClearBank are Evolve Bank & Trust (72 buyers), Sutton Bank (64 buyers), Cross River (57 buyers), Pathward (47 buyers), Thread Bank (35 buyers) and Community Federal Savings Bank (30 buyers).
ClearBank was founded by Nick Ogden and is founded in 2015, headquartered in London, United Kingdom.
ClearBank has raised £370M+ in total.
Get a read on where your own stack stands against ClearBank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.