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ClearBank Limited
Legal entity: ClearBank Limited
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 09736376, incorporated August 2015
155banking decisions
51.6%uphold rate
75not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| APP scam refund refused | 96 | 53 | 55.2% |
| Unauthorised transaction | 24 | 19 | 79.2% |
| Account closed or refused | 19 | 4 | 21.1% |
| Funds blocked or frozen | 15 | 8 | 53.3% |
| Complaint handling | 12 | 7 | 58.3% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FCA | 2025-H2 2025-07-01 to 2025-12-31 | 57.1% | 3,339 | 3,523 | — |
| FCA | 2025-H1 2025-01-01 to 2025-06-30 | 69.9% | 3,961 | 3,906 | — |
| FCA | 2024-H2 2024-07-01 to 2024-12-31 | 58.2% | 3,540 | 3,398 | — |
| FCA | 2024-H1 2024-01-01 to 2024-06-30 | 51.9% | 3,239 | 3,176 | — |
| FCA | 2023-H2 2023-07-01 to 2023-12-31 | 52.7% | 2,617 | 2,848 | — |
| FCA | 2023-H1 2023-01-01 to 2023-06-30 | 63.7% | 2,527 | 2,275 | — |
| FCA | 2022-H2 2022-07-01 to 2022-12-31 | 59.2% | 2,110 | 2,378 | — |
| FCA | 2022-H1 2022-01-01 to 2022-06-30 | 55.9% | 2,131 | 2,069 | — |
| FOS | 2025-H2 | 27.6% | — | — | 251 |
| FOS | 2025-H1 | 26.1% | — | — | 105 |
| FOS | 2024-H2 | 30.0% | — | — | 99 |
| FOS | 2024-H1 | 49.3% | — | — | 51 |
| FOS | 2023-H2 | 44.7% | — | — | 55 |
| FOS | 2023-H1 | 39.3% | — | — | 65 |
| FOS | 2022-H2 | 42.1% | — | — | 76 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.