ClearBank MCP. Control UK clearing rails and manage B2B payments.
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ClearBank MCP Server connects your AI agent directly to UK Payment Clearing. You can programmatically initiate instant Faster Payments, execute high-value CHAPS wires, and provision virtual accounts.
It lets your agent manage complex B2B payment flows and check real-time account balances against official clearing rails.
What your AI agents can do
Clearbank create account
Provisions a new virtual UK B2B account structure.
Clearbank create chaps payment
Dispatches a high-value CHAPS wire payment during operating hours.
Clearbank create faster payment
Sends an instant UK Faster Payment to a beneficiary.
The agent can list all internal ledgers and provision new virtual UK accounts via clearbank_get_accounts and clearbank_create_account.
You can get the live balance for any specific account ID using clearbank_get_account_balances.
The agent sends instant payments using clearbank_create_faster_payment or executes high-value wires with clearbank_create_chaps_payment.
You poll the system with clearbank_get_payment_status to confirm if a payment instruction has settled.
The agent pulls deep transaction logs for an account using clearbank_get_transactions.
You can freeze an account instantly using clearbank_suspend_account to prevent any future transfers.
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ClearBank MCP Server: 8 Tools for Payment & Account Control
These eight tools let your agent interact with the core payment rails: checking balances, initiating payments, and managing account state.
019d7571clearbank create account
Provisions a new virtual UK B2B account structure.
019d7571clearbank create chaps payment
Dispatches a high-value CHAPS wire payment during operating hours.
019d7571clearbank create faster payment
Sends an instant UK Faster Payment to a beneficiary.
019d7571clearbank get account balances
Retrieves the live monetary balance for a specific account ID.
019d7571clearbank get accounts
Lists all internal account ledgers associated with your institution.
019d7571clearbank get payment status
Checks if a previously submitted payment (FPS or CHAPS) has officially settled.
019d7571clearbank get transactions
Views detailed transaction history logs for a given account.
019d7571clearbank suspend account
Immediately changes the operational status of an account to suspended.
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What you can do with this MCP connector
Your AI agent connects straight to UK Payment Clearing with the ClearBank MCP Server. You'll use it to manage complex B2B payment flows, kick off instant Faster Payments, send high-value CHAPS wires, and provision virtual accounts. It lets your agent check live account balances against official clearing rails and manage the full lifecycle of a payment.
To manage account structures, your agent can pull a list of all internal ledgers using clearbank_get_accounts and provision a new virtual UK B2B account with clearbank_create_account. When you need to know the money available, clearbank_get_account_balances gives you the live balance for any specific account ID.
For sending money, your agent has two options. It sends instant transfers with clearbank_create_faster_payment for typical, rapid payouts, or it executes high-value wires using clearbank_create_chaps_payment when the payment is large and critical.
To track what you've sent, you'll use clearbank_get_payment_status to confirm if a previous payment instruction settled. You can pull deep transaction logs for any account with clearbank_get_transactions. If you need to stop an account for compliance or fraud, clearbank_suspend_account instantly changes its operational status.
Here's what your agent does:
- Manage Account Structures: List all internal ledgers with
clearbank_get_accountsand build new virtual UK accounts withclearbank_create_account. - Check Real-Time Balances: Get the live balance for any account ID using
clearbank_get_account_balances. - Initiate Transfers: Send instant payments with
clearbank_create_faster_paymentor execute high-value wires withclearbank_create_chaps_payment. - Track Payment Status: Poll the system with
clearbank_get_payment_statusto confirm if a payment instruction settled. - Audit Transactions: Pull deep transaction logs for an account using
clearbank_get_transactions. - Control Account State: Freeze an account instantly using
clearbank_suspend_accountto prevent future transfers.
How ClearBank MCP Works
- 1 First, spawn your API Profile in the ClearBank Institution interface and export the standard RSA
.pemprivate key. Vinkius uses this key to build the required cryptographic hashes and digital signatures for every tool call. - 2 The agent calls a tool (e.g.,
clearbank_get_account_balances). Vinkius automatically constructs the RSA Digital Signature using your private key, authenticating the request to the clearing servers. - 3 The clearing server receives the authenticated, signed request and returns the live data or confirmation (e.g., the new account ledger or the payment status).
The bottom line is: Vinkius handles the complex, signed authentication layer, so your agent only needs to tell it what payment action to take.
Who Is ClearBank MCP For?
Treasury Operations Managers, Financial Engineers, and Compliance Analysts. These roles deal with massive transaction volumes and need immediate, verifiable data. You're the ops engineer who's tired of clicking through multiple banking portals and running batch reconciliation jobs just to see if the payroll cleared.
Uses the agent to check multiple account balances (clearbank_get_account_balances) and initiate bulk transfers for payroll via clearbank_create_faster_payment.
Develops workflow scripts that programmatically provision new B2B accounts (clearbank_create_account) and manage complex payment routing across different clearing rails.
Monitors suspicious activity by using clearbank_get_transactions for deep audits and quickly freezing accounts using clearbank_suspend_account.
What Changes When You Connect
- Instant Payment Initiation: Send payments using
clearbank_create_faster_payment. This handles instant UK transfers, letting your agent move money immediately when needed. - High-Value Wire Execution: Use
clearbank_create_chaps_paymentfor large, critical payments. The tool handles the specific requirements of CHAPS, giving you a direct path for major funds movement. - Real-Time Fund Visibility:
clearbank_get_account_balancesgives you the current, actionable funds available for an account, eliminating the guesswork before you commit to a transfer. - Auditing and State Control: Never lose track of a payment.
clearbank_get_payment_statuslets you poll the system to confirm if a transfer actually settled, andclearbank_get_transactionsprovides the full history. - Proactive Risk Mitigation: If something looks suspicious, you can call
clearbank_suspend_accountinstantly. This freezes the account, stopping any future money movement until you clear the issue. - Structure Management: Need to manage complex B2B relationships? Use
clearbank_get_accountsto see all your internal ledgers, andclearbank_create_accountto provision new ones.
Real-World Use Cases
Need to pay payroll across multiple accounts?
The payroll manager needs to pay 50 contractors. Instead of logging into 5 different portals, the agent runs clearbank_get_accounts to map all necessary ledgers. It then uses clearbank_create_faster_payment repeatedly, ensuring the money leaves the correct virtual account, minimizing payroll failures.
A large B2B client needs a new dedicated payment stream.
The financial engineer runs clearbank_create_account to provision a new, dedicated virtual account for the client. This isolates their funds within your system, making reconciliation easier and keeping their payment stream separate from general operations.
Suspicious activity requires an immediate freeze.
The compliance analyst detects unusual transfer patterns. They run clearbank_suspend_account on the suspect ID. This action immediately stops all incoming and outgoing funds, buying time until manual review is complete.
Need to reconcile a massive, delayed wire transfer.
The treasury team initiates a major transfer using clearbank_create_chaps_payment. Hours later, they use clearbank_get_payment_status in a polling loop. This confirms the transfer's final state and ensures the funds are available before the next business day's operations.
The Tradeoffs
Assuming a successful payment.
Calling clearbank_create_faster_payment and assuming the money is there. You'll just wait and hope it worked, which is a massive operational risk.
→
Always pair payment creation with status checks. After calling clearbank_create_faster_payment, immediately run clearbank_get_payment_status to confirm the instruction settled before considering the payment complete.
Calling tools in the wrong order.
Attempting to send a payment (clearbank_create_faster_payment) without first knowing if you have enough funds. The payment fails, and you waste time figuring out why.
→
Always check balances first. Start by running clearbank_get_account_balances to confirm liquid funds. Only then proceed with clearbank_create_faster_payment.
Over-relying on a single tool.
Using only clearbank_get_transactions for audit. This gives you logs, but not the real-time status of money currently moving or the current balance.
→
Use clearbank_get_transactions for historical deep dives, but use clearbank_get_account_balances and clearbank_get_payment_status for live, actionable data.
When It Fits, When It Doesn't
Use this if you need verifiable, real-time control over UK clearing rails and B2B account structures. This is for workflows that require high financial integrity (payroll, treasury, compliance). Don't use it if you just need to check a balance in a simple, non-critical system—use a standard ledger API instead. You MUST use this if you need to execute payments that require cryptographic signing (CHAPS or Faster Payments). If your only goal is reporting, stick to a read-only ledger tool. If you need to manage account state, clearbank_suspend_account is necessary.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by ClearBank UK. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This server provides 8 capabilities that interface natively with Claude, ChatGPT, Cursor, and any MCP client. No middleware. No custom integration required.
Available Capabilities
Tracking payments across different banking portals is a nightmare.
Today, getting a clear picture of a payment's status means jumping through hoops. You check the main dashboard, then you log into the CHAPS portal, then you check the FPS reconciliation file, and finally, you cross-reference the internal ledger. It takes 15 minutes and requires five different logins.
With ClearBank MCP, you tell your agent to confirm the payment status. The agent runs `clearbank_get_payment_status`, and you get the final, definitive status—all in one chat window. It cuts the manual reconciliation time down to seconds.
ClearBank MCP Server: Manage payments & account statuses
Before, running a payment was a multi-step form fill: you'd manually input the recipient, select the payment type (FPS or CHAPS), and hit submit, hoping the system captured the correct account mapping.
Now, your agent handles the whole process. You tell it: 'Send £1,500 to ACC-12.' The agent decides if it needs `clearbank_get_account_balances` first, calls the appropriate creation tool, and confirms the status—all without you lifting a finger.
Common Questions About ClearBank MCP
How do I check if a payment settled using clearbank_get_payment_status? +
You pass the unique payment reference ID to clearbank_get_payment_status. The tool returns the definitive settlement status (e.g., Settled, Pending, Failed) for the specific instruction.
Can I create a new account using clearbank_create_account? +
Yes. You call clearbank_create_account and provide the required B2B structure details. The tool provisions a new, managed virtual ledger for that account.
Is clearbank_create_faster_payment the right way to send money? +
Yes, use clearbank_create_faster_payment for instant transfers. This is the standard tool for rapid payments between UK accounts.
What if I need to audit all historical activity? Use clearbank_get_transactions. +
To see every movement, use clearbank_get_transactions. It pulls deep, historical logs for the specified account, which is better for full audit trails than just checking balances.
How do I stop an account from being used immediately? Use clearbank_suspend_account. +
You call clearbank_suspend_account with the account ID. This instantly changes the status to Suspended, preventing any further money flow until you manually reactivate it.
How do I check the current available funds using clearbank_get_account_balances? +
You call clearbank_get_account_balances to assess real-time funds. It returns the live GBP availability for the specified account, showing exactly what's ready for transfers.
What happens if I try to send a payment before BofE operating hours using clearbank_create_chaps_payment? +
The system handles rate limits and timing constraints for you. If you run clearbank_create_chaps_payment outside of operating hours, the call will fail, preventing unauthorized or failed transactions.
How do I list all the accounts I have access to using clearbank_get_accounts? +
Use clearbank_get_accounts to get a list of every internal ledger you manage. This tool returns the full structure of your ClearBank accounts, letting you pick the right source.
ClearBank requires complex Body RSA Signatures, how does the prompt handle that? +
We handle that completely in the background Engine! The Vinkius runtime grabs your static RSA Private Key from configurations. Every payload created by the Language Model is injected into the Hash, signed, base64 encoded and attached to the HTTP header automatically.
Can the AI Agent manage BACS/CHAPS limits inside ClearBank? +
Yes! The core tools natively target both low-latency FPS (Faster Payments) and massive-liquidity CHAPS protocols natively exposed via ClearBank clearing ledgers.
Are Virtual Accounts actively provisioned by the Agent? +
The tool clearbank_create_account pushes an instant request spinning up a routing footprint with its own independent balance ledgers.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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