ClearBank Europe
ClearBank Europe is a bank within the ClearBank group that provides accounts and payment infrastructure to other businesses. Banks, fintechs and payment firms connect through APIs to hold and move euros through SEPA credit transfers and instant payments. These interfaces let business software submit payment instructions and retrieve account information.
A service that offers payment accounts needs banking infrastructure and payment-system connectivity to turn a customer instruction into an actual movement of money. ClearBank supplies that account and payment layer while its business customers build and operate their own customer-facing services. The model is useful for firms that want to integrate banking functions without becoming direct participants in every payment scheme themselves.
Accounts and payment infrastructure
ClearBank supplies the banking layer behind services that other companies offer their customers. Business clients connect accounts and payments through an API, allowing their software to submit instructions and retrieve information. Banks, fintechs and payment firms use this infrastructure for the money movements their own products require.
The European bank supports euro accounts and SEPA payments, including instant payments. This combines account services with access to the payment systems that carry money between banks. The work of ClearBank on digital-asset settlement is a separate part of this wider banking and payments offering.
Banking licenses in the Netherlands and the UK
ClearBank Europe N.V. is authorized by the European Central Bank and regulated by De Nederlandsche Bank. The UK bank of the group, ClearBank Limited in London, is authorized by the Prudential Regulation Authority (ClearBank). The group sells banking and payment infrastructure through one API and holds euro funds at De Nederlandsche Bank and the ECB (ClearBank).
SEPA Instant for payment firms
For its report on SEPA Instant adoption, ClearBank surveyed banks, e-money institutions and payment institutions. All 60 banks in the survey already met the first requirements of the EU Instant Payments Regulation, while 59 percent of payment institutions and 46 percent of e-money institutions plan to keep reaching SEPA Instant through a bank (ClearBank). The EU regulation sets requirements for instant payments in Europe.
Digital Asset Rails with EURC
On its Digital Asset Rails, value travels as EURC and settles back into euros via SEPA Instant, at any hour and without correspondent banks. Uses include cross-border payments, liquidity sweeps between entities and settlement for platforms; anti-money laundering and Travel Rule checks apply end to end, and clients keep custody of their own wallets. The service is open to EU-regulated institutions only. Digital Asset Rails handles payment settlement, not crypto trading or custody; Circle performs EURC issuance and redemption. ClearBank Europe is the first Dutch credit institution authorized by the AFM as a crypto-asset service provider under MiCA, and it has signed an agreement with Bybit EU for banking infrastructure and safeguarding (ClearBank).
Upcoming payments events in Europe
Payments & Digital Money
Is ClearBank Europe a bank?
ClearBank Europe N.V. is authorized by the ECB as a credit institution and supervised by De Nederlandsche Bank. ClearBank Europe also holds a CASP license authorizing crypto-asset services.
Where is ClearBank Europe based?
ClearBank Europe is based in Amsterdam, Netherlands, while the UK bank of the group, ClearBank Limited, is in London.
Stablecoins and instant payments
Other payment companies
ClearBank Europe and Finance Loop
Employees of ClearBank Europe regularly attend Finance Loop events.
Finance Loop covers SEPA Instant, stablecoins and MiCA in its Payments & Digital Money track. Banks, payment institutions and crypto firms meet at Finance Loop events in Frankfurt and other German cities.
Finance Loop is a professional network supporting the institutional use of emerging technologies in finance, such as AI, digital payments, cloud and blockchain solutions. Finance Loop helps its members build skills and personal networks in these fields: Investment & Digital Assets, Payments & Digital Money, Digital Infrastructure & Sovereignty, and Risk & Compliance.