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Gemba

Gemba

UK and EU fintechs, platforms, marketplaces and communities that want to offer their own branded business accounts, IBANs, FX, payouts and cards without holding their own licence.

VS

ClearBank

UK Banking Infrastructure

ClearBank
Fees from
Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00. vs Custom
Features

0 shared

4 unique to ClearBank
Regions

0 shared

1 unique to ClearBank
Pay methods

5 shared

4 unique to Gemba · 2 unique to ClearBank
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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4 features · 11 payment methods · 1 regions. We don't rank these — they're here for reference.
Gemba Gemba
ClearBank ClearBank
Quick Facts
Fees
Standard transaction rate
Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00.
Custom
Settlement
Time to receive funds
—
Instant
Founded
—
2015
Headquarters
—
London, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
ClearBank leads (4 vs 0)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Gemba leads (9 vs 7)
Bacs
✓
✓
Chaps
✓
✓
Corporate Card Unique
✓
—
Direct Debit
✓
✓
Escrow Unique
✓
—
Faster Payments
✓
✓
Real Time Payments Unique
—
✓
Sepa
✓
✓
Swift Unique
✓
—
Virtual Account Unique
✓
—
Wire Transfer Unique
—
✓
Regions
ClearBank leads (1 vs 0)
Europe Unique
—
✓

Gemba is best when you...

UK and EU fintechs, platforms, marketplaces and communities that want to offer their own branded business accounts, IBANs, FX, payouts and cards without holding their own licence.
View Gemba

ClearBank is best when you...

UK Banking Infrastructure
Need Crypto Support
Not available with Gemba
Need Enterprise
Not available with Gemba
Want coverage in Europe
Gemba doesn't cover this region
View ClearBank

Frequently Asked Questions

What is the difference between Gemba and ClearBank?
They share 5 payment methods and 0 regions. Gemba adds Corporate Card, Escrow, SWIFT and 1 more that ClearBank does not list; ClearBank adds Real-Time Payments, Wire Transfer that Gemba does not list; ClearBank also covers Europe; only ClearBank offers Crypto Support, Enterprise and 2 more.
Which is cheaper, Gemba or ClearBank?
Gemba has published rates from Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00.; ClearBank has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Gemba and ClearBank?
Gemba lists 0 regions and 9 payment methods; ClearBank lists 1 and 7. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Gemba and ClearBank compare on integration and settlement?
ClearBank offers a sandbox, Gemba does not list one; ClearBank supports webhooks; ClearBank publishes a settlement time of Instant.

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