ClearBank Embedded Banking vs Stripe Treasury
ClearBank Embedded Banking
clear.bankStripe Treasury
stripe.comSide by side
| Figure | ClearBank Embedded Banking | Stripe Treasury |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 8 |
| Spec score · Banking-as-a-Service Platforms | 7.8 (#10) | 8.7 (#2) |
| Deposit protection | Eligible deposits are protected by the FSCS up to £120,000 per person, per bank. | US Treasury USD balances are described as FDIC-insured up to $250,000, subject to pass-through eligibility and the applicable bank arrangement. |
| Headquarters | London, United Kingdom | South San Francisco, California, and Dublin, Ireland |
| What it does | ClearBank provides regulated banking infrastructure so businesses can offer financial products under their own brand without becoming a bank. | Stripe Treasury combines business banking and payments so companies can receive, hold, send and spend money in Stripe. |
Plans
Stripe Treasury
- ACH fundingFree
- TreasuryFree
- Treasury accountFree
- Treasury cardsFree
- Instant currency conversion$0.50, paid once
- Domestic payout$1.50, paid once
- International payout$1.50, paid once
- Wire funding$2, paid once
In their own words
ClearBank Embedded Banking
ClearBank Embedded Banking has no write-up on Specifiction yet; its figures are above.
Stripe Treasury
Stripe Treasury combines banking and payments functions so businesses can receive, store, send, and spend funds in one place. Stripe says businesses can open an account in minutes and access settled Stripe payment balances instantly. The service supports USD, OUSD, GBP, and EUR balances, instant currency conversion starting at 0.5% of the converted amount, and payouts to 160+ countries through traditional and stablecoin networks; payout and FX fees may apply. Virtual and physical debit cards include spending limits, reporting, real-time authorization controls, and 2% cashback, subject to exclusions for cash-like, high-risk resale, gambling, and government payment transactions. Xero and QuickBooks integrations, balance and transaction reporting, and automated reconciliation support accounting workflows. Treasury also supports agent workflows through Stripe’s Model Context Protocol, including paying invoices, moving funds, converting currencies, and issuing cards. ACH funding is included, wire funding is $2.00 per wire, and there are no storage fees or minimum balance requirements. Stripe is a financial technology company, not a bank; checking accounts are provided exclusively by Fifth Third Bank, National Association. Eligible USD funds there may be insured up to $250,000 per depositor, per institution, subject to conditions.