ClearBank

ClearBank provides banking infrastructure and clearing services to financial institutions, including fintechs. While it doesn't directly offer services to end-users like Wise, it enables its clients to offer multi-currency accounts and real-time payments. It explicitly mentions multi-currency accounts, fast payment clearing (Faster Payments, SEPA Instant), API integration for its services, and regulatory compliance as a regulated bank. Customer support is also mentioned through dedicated relationship managers. However, it does not directly offer mid-market exchange rates, transparent low fees, or borderless debit cards to end-users, as these would be features offered by its clients leveraging ClearBank's infrastructure.