ClearBankA provider of real-time clearing and embedded banking solutions. The company reported strong growth in 2025, driven by higher fee-based earnings and a sharp increase in transaction activity. investments fueling international growth.
ClearBank It noted that the group’s normalized income rose by 34 per cent to £121.6 million in the year ending 31 December 2025.
Of this, fee-based revenue has increased by 51 percent and now accounts for three-quarters of total revenue; This underscores a conscious shift towards more stable, recurring flows that are less exposed to interest rate fluctuations.
Statutory net fee income increased by 38 percent, accounting for 46 percent of overall group revenue.
However, the group posted a statutory pre-tax loss of £16.7 million, which management attributed to intentionality. spending on platform developments, European scaling and long-term talent development.
England The operation continued to be the engine of profitability. Normalized revenue rose 32 per cent to £117.7 million, while pre-tax profit rose 53 per cent to £12.2 million, from £8.0 million in the previous year.
Customer deposits across the group reached £17.8bn by the end of the year, up 65 per cent from £10.8bn in 2024.
Payment Plan transaction volumes grew even faster, with the number of payments processed increasing 57 percent from 167 million to 262 million.
The platform now supports over 17 million people bank accounts, compared to 13 million a year ago.
ClearBank Europe, operating in its first full year after receiving its banking license in July 2024, has made solid progress.
It closed the period with customer deposits of 44 million Euros and monthly payment volumes exceeding one million.
The business added 21 new customers, bringing its total to 28, and expanded its footprint by opening a branch in Paris, while securing passporting rights in 21 EU countries.
It was also the first Dutch lender to complete this process. MICAR notification process for digital asset services. Customer numbers continued to increase.
The Group acquired 61 new business partners in 2025, reaching a total of 279 customers.
Embedded banking partners increased from six to nine saving Account offerings are going live for customers, including LemFi and Coinbase. Using ClearBank’s savings product, Capital on Tap reached £1bn in deposits within 12 months of launch.
Tide, another key partner, currently serves approximately 800,000 small and medium-sized businesses.
The company also welcomed its first enterprise embedded product banking customer PayCaptain is expanding its reach beyond traditional financial services.
Group CEO Mark as Unfair He described 2025 as a very important year for both expansion and forward-looking investments.
noted: England‘s consistent profits provided financial flexibility to strengthen infrastructure, deepen existing relationships, and accelerate entry into new markets and customer segments.
CFO David Samper He also shared comments pointing to the durability of the business model, the achievement of an investment grade BBB credit rating from S&P for the UK entity, and the rapid maturation of the European unit. ClearBank Plans to turn 2025 foundations into rapid growth 2026.
