SCT UK

Our SEPA Credit Transfer UK (SCT UK) service lets you receive euro payments from any SEPA participant bank via the SEPA Credit Transfer (SCT) scheme. To get started with SCT UK, you'll need a euro account under a ClearBank UK BIC. This will be set up for you as part of your onboarding process.

If you're interested in using this new service, please contact your Client Director.

SCT UK is available Monday to Friday from 07:00 to 14:30 UK time, and is subject to scheme holidays.

The scheme holidays applicable to SCT UK are listed below:

New Year's Day
Good Friday
Easter Monday
Labour Day
Christmas Day
Boxing Day / Christmas Holiday

Exact dates can be found on the ECB's website.

When you receive an SCT payment, you'll be notified via webhook. To receive webhooks, you'll need to subscribe to them first using the ClearBank Portal.

Our SCT UK service has two dedicated inbound payment webhooks:

Payments.CrossBorder.InboundPaymentCompleted - Cross-border Inbound Payment Completed webhook - This webhook contains detailed ISO 20022 compliant payment information of any inbound SCT payments.
CustomerAccounts.TransactionCompleted - Customer Account Transaction Completed webhook - This webhook contains the minimum information necessary to reconcile a payment.

Note: if you are subscribed to our inbound Multi-Currency Payments service webhooks, Payments.Mccy.TransactionCreated and Payments.Mccy.TransactionSettled, these will also notify you of any inbound SCT payments. All of these webhooks' TransactionId field will have the same UUID whenever they refer to the same payment, so you can use this field in your idempotency logic to prevent double counting of inbound SCT payments.

This webhook confirms an inbound cross-border payment has completed. It includes detailed information about the payment using ISO 20022 compliant fields.

Request body

{
    "Type": "Payments.CrossBorder.InboundPaymentCompleted",
    "Version": 1,
    "Payload": {...},
    "Nonce":
}

Payload

Element	Description
`PaymentId`	Required A unique identifier assigned by ClearBank that uniquely identifies the payment instruction. Type: `string` Format: `uuid`
`TransactionId`	Required A unique identifier assigned by ClearBank to reference the credit transaction related to this inbound payment. Type: `string` Format: `uuid`
`PaymentIdentification`	Required Set of elements used to reference the payment processing instruction. Type: `object` `InstructionIdentification` Unique identification assigned by an instructing party for an instructed party to unambiguously identify the instruction. Type: `string` Min. Length: `1` Max. Length: `35` `EndToEndIdentification` - Required Unique identifier assigned by the original initiating party to trace the payment from origin to destination. Type: `string` Min. Length: `1` Max. Length: `35` `TransactionIdentification` Unique identification assigned by the first instructing agent to unambiguously identify the transaction. Type: `string` Min. Length: `1` Max. Length: `35` `UETR` A universally unique transaction reference (UETR) used to track the payment end-to-end across the payment chain. Type: `string` or `null` Format: `uuid`
`InterbankSettlementAmount`	Required Type: `object` `Amount` - Required Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. Type: `number` Format: `decimal` Minimum: `0` Multiple of: `0.01` `Currency` - Required The three-letter ISO currency code representing the currency of the instructed payment amount. Type: `string` Min. Length: `3` Max. Length: `3` Pattern: `^[A-Z]{3}$`
`DebtorAccount`	Optional Type: `object` `IBAN` International Bank Account Number (IBAN) - identifier used internationally by financial institutions to uniquely identify the account of a customer. Type: `string` or `null` Pattern: `^[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}$`
`CreditorAccount`	Optional Type: `object` `IBAN` International Bank Account Number (IBAN) - identifier used internationally by financial institutions to uniquely identify the account of a customer. Type: `string` or `null` Pattern: `^[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}$`
`CreditorAgent`	Required Type: `object` `BICFI` Code allocated to a financial institution by the ISO 9362 Registration Authority. Type: `string` or `null` Min. Length: `8` Max. Length: `11` Pattern: `^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9]{3,3}){0,1}$`
`DebtorAgent`	Required Type: `object` `BICFI` Code allocated to a financial institution by the ISO 9362 Registration Authority. Type: `string` or `null` Min. Length: `8` Max. Length: `11` Pattern: `^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9]{3,3}){0,1}$`
`InstructingAgent`	Optional Type: `object` `BICFI` Code allocated to a financial institution by the ISO 9362 Registration Authority. Type: `string` or `null` Min. Length: `8` Max. Length: `11` Pattern: `^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9]{3,3}){0,1}$`
`UltimateDebtor`	Optional Type: `object` `Name` - Required The name by which this party is known. Type: `string` Min. Length: `1` Max. Length: `140` `PostalAddress` - Optional Type: `object` or `null` `Department` Identification of a division of a large organisation or building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `SubDepartment` Identification of a sub-division of a large organisation or building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `StreetName` Name of a street or thoroughfare. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `BuildingNumber` Number that identifies the position of a building on a street. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `BuildingName` Name of the building or house. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `Floor` Floor or storey within a building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `PostBox` Numbered box in a post office, assigned to a person or organisation, where letters are kept until called for. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `Room` Building room number. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `PostCode` Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `TownName` Name of a built-up area, with defined boundaries, and a local government. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `TownLocationName` Specific location name within the town. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `DistrictName` Identifies a subdivision within a country subdivision. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `CountrySubDivision` Identifies a subdivision of a country such as state, region, county. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `Country` Nation with its own government. Type: `string` or `null` Min. Length: `2` Max. Length: `2` Pattern: `^[A-Z]{2}$` `AddressLine` A specific address presented in free format text. Type: `array` or `null` Min. Items: `0` Max. Items: `7` Item Type: `string` String Min. Length: `1` String Max. Length: `70` `OrganisationIdentification` Optional Type: `object` The organisation identification information for this party. Either `OrganisationIdentification` or `PrivateIdentification` will be provided, not both. Properties: `AnyBIC` Required Type: `string` The Business Identifier Code (BIC) for this institution. Pattern: `^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9]{3,3}){0,1}` `PrivateIdentification` - Optional Type: `object` Contains the personal identification information for this party. Either `PrivateIdentification` or `OrganisationIdentification` will be provided, not both. Properties: `BirthDate` The date on which this person was born, given yyyy-MM-dd Type: `string` or `null` `ProvinceOfBirth` The province in which this person was born. Type: `string` or `null` Min Length: 1 Max.Length: `35` `CityOfBirth` The city in which this person was born. Type: `string` or `null` Min Length: 1 Max.Length: `35` `CountryOfBirth` The country in which this person was born, given as a 2-character ISO 3166 country code. Type: `string` or `null` Pattern: `^[A-Z]{2}$` `Other` - Optional An array of other personal identification information. Type: `array` or `null` Item type: `object` Item properties: `Identification` - Required Unique and unambiguous identification of a person Type: `string` Max.Length: `35` Min Length: `1`
`Debtor`	Required Type: `object` `Name` - Required The name by which this party is known. Type: `string` Min. Length: `1` Max. Length: `140` `PostalAddress` - Optional Type: `object` or `null` `Department` Identification of a division of a large organisation or building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `SubDepartment` Identification of a sub-division of a large organisation or building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `StreetName` Name of a street or thoroughfare. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `BuildingNumber` Number that identifies the position of a building on a street. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `BuildingName` Name of the building or house. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `Floor` Floor or storey within a building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `PostBox` Numbered box in a post office, assigned to a person or organisation, where letters are kept until called for. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `Room` Building room number. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `PostCode` Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `TownName` Name of a built-up area, with defined boundaries, and a local government. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `TownLocationName` Specific location name within the town. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `DistrictName` Identifies a subdivision within a country subdivision. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `CountrySubDivision` Identifies a subdivision of a country such as state, region, county. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `Country` Nation with its own government. Type: `string` or `null` Min. Length: `2` Max. Length: `2` Pattern: `^[A-Z]{2}$` `AddressLine` A specific address presented in free format text. Type: `array` or `null` Min. Items: `0` Max. Items: `7` Item Type: `string` String Min. Length: `1` String Max. Length: `70` `OrganisationIdentification` Optional Type: `object` The organisation identification information for this party. Either `OrganisationIdentification` or `PrivateIdentification` will be provided, not both. Properties: `AnyBIC` Required Type: `string` The Business Identifier Code (BIC) for this institution. Pattern: `^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9]{3,3}){0,1}` `PrivateIdentification` - Optional Type: `object` Contains the personal identification information for this party. Either `PrivateIdentification` or `OrganisationIdentification` will be provided, not both. Properties: `BirthDate` The date on which this person was born, given yyyy-MM-dd Type: `string` or `null` `ProvinceOfBirth` The province in which this person was born. Type: `string` or `null` Min Length: 1 Max.Length: `35` `CityOfBirth` The city in which this person was born. Type: `string` or `null` Min Length: 1 Max.Length: `35` `CountryOfBirth` The country in which this person was born, given as a 2-character ISO 3166 country code. Type: `string` or `null` Pattern: `^[A-Z]{2}$` `Other` - Optional An array of other personal identification information. Type: `array` or `null` Item type: `object` Item properties: `Identification` - Required Unique and unambiguous identification of a person Type: `string` Max.Length: `35` Min Length: `1`
`Creditor`	Required Type: `object` `Name` - Required The name by which this party is known. Type: `string` Min. Length: `1` Max. Length: `140` `PostalAddress` - Optional Type: `object` or `null` `Department` Identification of a division of a large organisation or building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `SubDepartment` Identification of a sub-division of a large organisation or building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `StreetName` Name of a street or thoroughfare. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `BuildingNumber` Number that identifies the position of a building on a street. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `BuildingName` Name of the building or house. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `Floor` Floor or storey within a building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `PostBox` Numbered box in a post office, assigned to a person or organisation, where letters are kept until called for. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `Room` Building room number. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `PostCode` Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `TownName` Name of a built-up area, with defined boundaries, and a local government. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `TownLocationName` Specific location name within the town. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `DistrictName` Identifies a subdivision within a country subdivision. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `CountrySubDivision` Identifies a subdivision of a country such as state, region, county. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `Country` Nation with its own government. Type: `string` or `null` Min. Length: `2` Max. Length: `2` Pattern: `^[A-Z]{2}$` `AddressLine` A specific address presented in free format text. Type: `array` or `null` Min. Items: `0` Max. Items: `7` Item Type: `string` String Min. Length: `1` String Max. Length: `70` `OrganisationIdentification` Optional Type: `object` The organisation identification information for this party. Either `OrganisationIdentification` or `PrivateIdentification` will be provided, not both. Properties: `AnyBIC` Required Type: `string` The Business Identifier Code (BIC) for this institution. Pattern: `^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9]{3,3}){0,1}` `PrivateIdentification` - Optional Type: `object` Contains the personal identification information for this party. Either `PrivateIdentification` or `OrganisationIdentification` will be provided, not both. Properties: `BirthDate` The date on which this person was born, given yyyy-MM-dd Type: `string` or `null` `ProvinceOfBirth` The province in which this person was born. Type: `string` or `null` Min Length: 1 Max.Length: `35` `CityOfBirth` The city in which this person was born. Type: `string` or `null` Min Length: 1 Max.Length: `35` `CountryOfBirth` The country in which this person was born, given as a 2-character ISO 3166 country code. Type: `string` or `null` Pattern: `^[A-Z]{2}$` `Other` - Optional An array of other personal identification information. Type: `array` or `null` Item type: `object` Item properties: `Identification` - Required Unique and unambiguous identification of a person Type: `string` Max.Length: `35` Min Length: `1`
`UltimateCreditor`	Optional Type: `object` `Name` - Required The name by which this party is known. Type: `string` Min. Length: `1` Max. Length: `140` `PostalAddress` - Optional Type: `object` or `null` `Department` Identification of a division of a large organisation or building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `SubDepartment` Identification of a sub-division of a large organisation or building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `StreetName` Name of a street or thoroughfare. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `BuildingNumber` Number that identifies the position of a building on a street. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `BuildingName` Name of the building or house. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `Floor` Floor or storey within a building. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `PostBox` Numbered box in a post office, assigned to a person or organisation, where letters are kept until called for. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `Room` Building room number. Type: `string` or `null` Min. Length: `1` Max. Length: `70` `PostCode` Identifier consisting of a group of letters and/or numbers that is added to a postal address to assist the sorting of mail. Type: `string` or `null` Min. Length: `1` Max. Length: `16` `TownName` Name of a built-up area, with defined boundaries, and a local government. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `TownLocationName` Specific location name within the town. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `DistrictName` Identifies a subdivision within a country subdivision. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `CountrySubDivision` Identifies a subdivision of a country such as state, region, county. Type: `string` or `null` Min. Length: `1` Max. Length: `35` `Country` Nation with its own government. Type: `string` or `null` Min. Length: `2` Max. Length: `2` Pattern: `^[A-Z]{2}$` `AddressLine` A specific address presented in free format text. Type: `array` or `null` Min. Items: `0` Max. Items: `7` Item Type: `string` String Min. Length: `1` String Max. Length: `70` `OrganisationIdentification` Optional Type: `object` The organisation identification information for this party. Either `OrganisationIdentification` or `PrivateIdentification` will be provided, not both. Properties: `AnyBIC` Required Type: `string` The Business Identifier Code (BIC) for this institution. Pattern: `^[A-Z0-9]{4,4}[A-Z]{2,2}[A-Z0-9]{2,2}([A-Z0-9]{3,3}){0,1}` `PrivateIdentification` - Optional Type: `object` Contains the personal identification information for this party. Either `PrivateIdentification` or `OrganisationIdentification` will be provided, not both. Properties: `BirthDate` The date on which this person was born, given yyyy-MM-dd Type: `string` or `null` `ProvinceOfBirth` The province in which this person was born. Type: `string` or `null` Min Length: 1 Max.Length: `35` `CityOfBirth` The city in which this person was born. Type: `string` or `null` Min Length: 1 Max.Length: `35` `CountryOfBirth` The country in which this person was born, given as a 2-character ISO 3166 country code. Type: `string` or `null` Pattern: `^[A-Z]{2}$` `Other` - Optional An array of other personal identification information. Type: `array` or `null` Item type: `object` Item properties: `Identification` - Required Unique and unambiguous identification of a person Type: `string` Max.Length: `35` Min Length: `1`
`RemittanceInformation`	Optional Type: `object` Information to support the reconciliation of a transfer. Either `Unstructured` or `Structured` will be provided, never both. `Unstructured` Free format text supplied to enable reconciliation of a payment with the item(s) it is meant to settle. Type: `array` Min. Items: `0` Max. Items: `3` Item Type: `string` Item Min. Length: `1` Item Max. Length: `140` `Structured` Structured remittance information. Type: `array` of `object` `CreditorReferenceInformation` Reference information provided by the creditor. Type: `object` or `null` `Type` Specifies the type of creditor reference. Type: `object` `Code` Denotes the type of creditor reference being used. Type: `string` Enum: `'SCOR'` `Issuer` The assigning entity of the provided code. Type: `string` Min. Length: `1` Max. Length: `35` `Reference` A unique reference assigned by the creditor to unambiguously refer to the payment. Type: `string` Min. Length: `1` Max. Length: `35`

Example Cross-Border Inbound Payment Completed webhook request body

{
  "Type": "Payments.CrossBorder.InboundPaymentCompleted",
  "Version": 1,
  "Payload": {
    "PaymentId": "8ea63ded-79f8-5517-950b-37afc483c2e3",
    "TransactionId": "ad8021b5-0cd1-45bc-91e8-e47bea662f69",
    "PaymentIdentification": {
      "InstructionIdentification": "BfaipYhhr184MQLFBmrQs7PMpO4y13yFzDz",
      "EndToEndIdentification": "6iqsW0O1cv9MIVpEmUnkCkY9nPrrvhhPZUJ",
      "TransactionIdentification": "UXHKaXkADAEEZcFQt4aWKBKBRFfBqh6eU4m",
      "UETR": "8ea63ded-79f8-5517-950b-37afc483c2e3"
    },
    "InterbankSettlementAmount": {
      "Amount": 72.59,
      "Currency": "EUR"
    },
    "DebtorAccount": {
      "IBAN": "ES92421000432450212351332"
    },
    "DebtorAgent": {
      "BICFI": "ABCDDEAA123"
    },
    "CreditorAccount": {
      "IBAN": "ES46929096037748994023823"
    },
    "CreditorAgent": {
      "BICFI": "CLRBNL2A011"
    },
    "InstructingAgent": {
      "BICFI": "DCBADEAA123"
    },
    "UltimateDebtor": {
      "Name": "Large Corporation",
      "PostalAddress": {
        "Department": "Department name",
        "SubDepartment": "Sub department name",
        "StreetName": "Long road",
        "BuildingNumber": "47",
        "BuildingName": "Big Building",
        "Floor": "211",
        "PostBox": "12",
        "Room": "5A",
        "PostCode": "330554",
        "TownName": "Paris",
        "TownLocationName": "Market Quarter",
        "DistrictName": "Central",
        "CountrySubDivision": "Paris",
        "Country": "FR",
        "AddressLine": [
          "Large Corporation, 47 Long road, Market Quarter",
          "Paris, France"
        ]
      },
      "OrganisationIdentification": {
        "AnyBIC": "CLRBNL2A231"
      }
    },
    "Debtor": {
      "Name": "Rico Hernandes",
      "PostalAddress": {
        "Department": "Department name",
        "SubDepartment": "Sub department name",
        "StreetName": "Long road",
        "BuildingNumber": "12",
        "BuildingName": "Big Building",
        "Floor": "Basement",
        "PostBox": "2",
        "Room": "1B",
        "PostCode": "210554",
        "TownName": "Bilbao",
        "TownLocationName": "Market Quarter",
        "DistrictName": "Basque Country",
        "CountrySubDivision": "North Spain",
        "Country": "ES",
        "AddressLine": [
          "47 Long Road, Big Building, Market Quarter, Bilbao",
          "210554, Basque Country, Spain"
        ]
      },
      "PrivateIdentification": {
        "BirthDate": "1985-08-19",
        "ProvinceOfBirth": "Community of Madrid",
        "CityOfBirth": "Madrid",
        "CountryOfBirth": "ES",
        "Other": [
          {
            "Identification": "unambiguousIdentification123"
          }
        ]
      }
    },
    "Creditor": {
      "Name": "Denbank",
      "PostalAddress": {
        "Department": "Department name",
        "SubDepartment": "Sub department name",
        "StreetName": "Finance road",
        "BuildingNumber": "1",
        "BuildingName": "Small Building",
        "Floor": "5",
        "PostBox": "12",
        "Room": "101",
        "PostCode": "123456",
        "TownName": "Copenhagen",
        "TownLocationName": "Banking square",
        "DistrictName": "Zealand",
        "CountrySubDivision": "Capital Region of Denmark",
        "Country": "DK",
        "AddressLine": [
          "1 Finance road, Banking square, Zealand",
          "123456, Copenhagen, Denmark"
        ]
      },
      "OrganisationIdentification": {
        "AnyBIC": "IIIGGB22"
      }
    },
    "UltimateCreditor": {
      "Name": "Mila De Jong",
      "PostalAddress": {
        "Department": "Department name",
        "SubDepartment": "Sub department name",
        "StreetName": "Long road",
        "BuildingNumber": "47",
        "BuildingName": "Big Building",
        "Floor": "Basement",
        "PostBox": "12",
        "Room": "5A",
        "PostCode": "366554",
        "TownName": "Amsterdam",
        "TownLocationName": "Zuid",
        "DistrictName": "Greater Amsterdam",
        "CountrySubDivision": "Noord-Holland",
        "Country": "NL",
        "AddressLine": [
          "47 Long Road, Big Building, Zuid, Amsterdam",
          "366554, Noord-Holland, Netherlands"
        ]
      },
      "PrivateIdentification": {
        "BirthDate": "1982-04-15",
        "ProvinceOfBirth": "North Holland",
        "CityOfBirth": "Amsterdam",
        "CountryOfBirth": "NL",
        "Other": [
          {
            "Identification": "unambiguousIdentification123"
          }
        ]
      }
    },
    "RemittanceInformation": {
      "Structured": [
        {
          "CreditorReferenceInformation": {
            "Type": {
              "Code": "SCOR",
              "Issuer": "ISO"
            },
            "Reference": "RF23549607328184098173911"
          }
        }
      ],
      "Unstructured": ["MyRef RF23549607328184098173911"]
    }
  },
  "Nonce": 8530454988
}

Example webhook response

{
    "Nonce": 8530454988
}

This webhook confirms an inbound or outbound transaction has completed for an account. A transaction represents a ledger update for an account, and includes the minimum data necessary to support balance reconciliation. You will also receive this webhook when interest is paid into an account.

Request body

{
    "Type": "CustomerAccounts.TransactionCompleted",
    "Version": 1,
    "Payload": {...},
    "Nonce":
}

Customer Accounts Transaction Completed webhook payload

Element	Description
`TransactionId`	Required Unique identification, assigned by ClearBank, to unambiguously identify the transaction. Type: `string`
`EndToEndIdentification`	Required The end-to-end identification can be used for reconciliation or to link tasks relating to the transaction. Type: `string`
`CreatedDateTime`	Required The date time in which the transaction was created in ClearBank's system. Type: `string`
`CompletedDateTime`	Required The date time on which the amount of money ceases to be available or becomes available to the account in ClearBank's system. Type: `string`
`ClearingChannel`	Optional The clearing channel to be used to process the transaction. Type: `string`
`DebitCreditCode`	Required Movement of transaction. Type: `string`
`Amount`	Required Amount of money to be moved between the debtor and creditor. Type: `number` Format: `decimal`
`Currency`	Required Unit of currency is explicit and compliant with ISO 4217. Type: `string`
`RemittanceInformation`	Optional Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts' receivable system. Provided as unstructured data, or as a flattened version of the structured data. Type: `string`
`CreditorAccount`	Required Unambiguous identification of the account of the debtor to which a debit entry is posted. Type: `object` `AccountId` - Optional Represents the account ID used within ClearBank's systems. Type: `string` `IBAN` - Optional The IBAN for the account. Type: `string` Max. Length: `34` `BBAN` - Optional The BBAN for the account. Type: `string` Max. Length: `30` `Descriptor` - Optional Represents an arbitrary account descriptor. Type: `string`
`DebtorAccount`	Required Unambiguous identification of the account of the creditor to which a credit entry is posted. Type: `object` `AccountId` - Optional Represents the account ID used within ClearBank's systems. Type: `string` `IBAN` - Optional The IBAN for the account. Type: `string` Max. Length: `34` `BBAN` - Optional The BBAN for the account. Type: `string` Max. Length: `30` `Descriptor` - Optional Represents an arbitrary account descriptor. Type: `string`

Example Customer Accounts Transaction Completed webhook request body for an inbound SCT UK payment

{
   "Type": "CustomerAccounts.TransactionCompleted",
   "Version": 1,
   "Payload":{
      "TransactionId": "ba55ceac-232f-4698-98fb-6d91cd8a10ba",
      "EndToEndIdentification": "Ref-33-inbound-payment",
      "CreatedDateTime": "2025-10-12T09:54:58.07Z",
      "CompletedDateTime": "2025-10-12T09:54:58.07Z",
      "ClearingChannel": "SEPA",
      "DebitCreditCode": "CRDT",
      "Amount": 500.55,
      "Currency": "EUR",
      "RemittanceInformation": "Funding",
      "DebtorAccount":{
         "AccountId": null,
         "Iban": "GB32CLRB0343092273",
         "Bban": null,
         "Descriptor": null
      },
      "CreditorAccount":{
         "AccountId": "39217d50-9a43-4e69-9714-cbafeabb4c4f",
         "Iban": "NL25CLRB0062215509",
         "Bban": "CLRB0062215509",
         "Descriptor": null
      }
   },
   "Nonce":740685879
}

Example webhook response

{
    "Nonce": 740685879
}

Simulate an inbound payment

post/payments/cross-border/v2/inbound/payments

This endpoint is available in the simulation environment only. You can call this endpoint to simulate an inbound SCT payment. After submitting a valid request, you'll receive a Payments.Mccy.InboundPaymentCompleted webhook and a CustomerAccounts.TransactionCompleted webhook. If you are also subscribed to our Multi-currency Payments webhooks, Payments.Mccy.TransactionCreated and Payments.Mccy.TransactionSettled, you will also receive these.

Parameters

Authorization string, header, Required
Your API token, retrieved from the ClearBank Portal.
DigitalSignature string, header, Required
Signed hash of the body of the request. The hash is signed by your private key.
X-Request-Id string, header, Required
A unique identifier for the request; valid for 24 hours, max length 83.

Request Payload (application/json)

interbankSettlementAmount object, Required
paymentIdentification object, Required
creditorAccount object, Required
remittanceInformation object, Required

request

{
  "interbankSettlementAmount": {
    "amount": 1234.56,
    "currency": "EUR"
  },
  "paymentIdentification": {
    "endToEndIdentification": "E2E1234567890"
  },
  "creditorAccount": {
    "iban": "GB13CBAB2233441234567"
  },
  "remittanceInformation": {
    "unstructured": [
      "myRemittanceInformation-111-ABC"
    ],
    "structured": [
      {
        "reference": "MY-structured-REM-INFO"
      }
    ]
  }
}

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Response (application/json)

202 Accepted
409 Conflict
422 Unprocessable Content
500 Internal Server Error
503 Service Unavailable

Conflict

{
  "type": "string",
  "title": "string",
  "status": 0,
  "detail": "string",
  "instance": "string",
  "property1": null,
  "property2": null
}

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Unprocessable Content

{
  "type": "string",
  "title": "string",
  "status": 0,
  "detail": "string",
  "instance": "string",
  "property1": null,
  "property2": null
}

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Associated Webhooks

Cross-border Inbound Payment Completed webhook
Customer Accounts Transaction Completed webhook

API

GBP Accounts

GBP Payments

Multi-currency, FX, & SCT UK

Embedded Banking

SEPA Credit Transfer UK

SEPA Credit Transfer UK

Availability and hours

Inbound payments

Simulation endpoints

Simulate an inbound payment

Parameters

Request Payload (application/json)

request

Response (application/json)

Conflict

Unprocessable Content

Associated Webhooks