040605 Sort Code: Full Bank Details, Branch Location, And Usage
Sort codes are essential components of the UK banking infrastructure. When sending or receiving payments domestically, having the correct sort code ensures funds are routed accurately and securely.
In this article, we will explore the 040605 sort code, its associated bank, the branch location, how it functions, and why it’s significant in both personal and business financial transactions.
What Bank Does The 040605 Sort Code Belong To?
The sort code 040605 is assigned to ClearBank Limited, one of the UK’s first cloud-native clearing banks.
ClearBank operates without traditional high street branches and provides core banking services for regulated businesses, financial institutions, and fintech companies.
ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.
It is known for offering modern, API-driven banking services. Unlike retail banks, ClearBank is primarily used by institutions to support infrastructure for real-time payment processing.
Its position as a bank with a strong digital focus makes sort code 040605 relevant to a growing number of UK businesses looking for speed, scalability, and security in their financial operations.
Where Is The Branch Location For Sort Code 040605?
- Bank Name: ClearBank Limited
- Branch Name: ClearBank
- Floor: 5th Floor
- Building: 1 Appold Street
- City: London
- Post Code: EC2A 2UT
- Country: United Kingdom
This address is used as the headquarters for ClearBank. It serves as a registered office and operational base, but not a location for in-person banking.
ClearBank’s digital infrastructure allows users to perform all transactions online via integrated platforms and partners.
What Are The Full Bank Details For Sort Code 040605?
To complete payments or receive funds through a ClearBank-supported account with the sort code 040605, the following details are typically required:
- Sort Code: 04-06-05
- Bank Name: ClearBank Limited
- SWIFT/BIC: CLRBGB22
- Country: United Kingdom
- Currency: GBP
- IBAN (Example Format): GBxxCLRB04060512345678
These elements are essential when completing domestic and international payments. In the UK, the sort code is used in conjunction with an account number to ensure funds are routed correctly.
International transfers may also require the BIC (SWIFT) and IBAN format. IBANs embed the sort code and account number into a standardised international format, which helps reduce transfer errors.
How Is Sort Code 040605 Used In Financial Transactions?
Sort code 040605 supports a wide range of transaction types due to ClearBank’s integration with the UK’s primary payment schemes. This includes the following:
- Faster Payments: Instant domestic transactions typically completed within seconds
- BACS Payments: Used for direct debits and salary payments, processed in up to 3 working days
- CHAPS Payments: Same-day high-value payments, often used by businesses and financial institutions
These systems are used to complete everyday banking needs, both for individuals (via partner fintech apps) and businesses using ClearBank’s infrastructure. With its reliable and scalable system, ClearBank processes payments efficiently while meeting UK compliance and security standards.
Payment Types Supported By Sort Code 040605
| Payment Method | Description | Processing Time |
| Faster Payments | Real-time UK bank transfers | Instant (usually seconds) |
| BACS | Used for regular payments such as payroll or bills | Up to 3 working days |
| CHAPS | High-value same-day UK payments | Same day (if before cut-off) |
These transaction types make sort code 040605 highly suitable for both consumer-level usage through fintech apps and business-level integration for recurring or high-volume payments.
Is Sort Code 040605 Safe And Reliable For Money Transfers?
ClearBank operates under full UK banking regulations and adheres to strict anti-money laundering (AML) and fraud detection protocols
. The bank invests in security infrastructure that enables it to detect suspicious transactions and protect end users from fraudulent activity.
Despite its digital-only nature, ClearBank is among the most secure and regulated banking institutions in the UK. When making transactions using 040605, it is essential to ensure the recipient details are accurate.
To help maintain security and avoid payment failures or misrouting, always follow these best practices:
- Validate sort code and account number using trusted sources or online sort code checkers
- Double-check the recipient’s name and institution
- Use the correct reference when sending business payments or invoices
The reliability of the sort code 040605 is reinforced by ClearBank’s involvement with regulated fintech partners and its strong track record in digital banking services.
How Can You Check Or Validate The Sort Code 040605?
To ensure that the 040605 sort code is valid and active, several reliable methods can be used:
- Sort Code Lookup Tools: Websites like Wise and other UK sort code directories can confirm details such as the bank name, branch, and location
- Bank-Issued Documents: Official documents such as bank statements or account setup letters often include the sort code
- Bank Cards: Many banking partners display the sort code on the back or front of issued debit or prepaid cards
- Customer Support: Contacting the partner platform or bank’s support can verify the correct information for business and personal use
Using these methods helps prevent issues like payment rejections, delayed funds, or sending money to the wrong recipient.
Ways To Verify The Sort Code 040605
| Verification Method | Where To Find |
| Sort Code Checkers | Wise, Bank sort code directories |
| Bank Card | Printed on the front or back of card |
| Online Banking | Account summary or dashboard |
| Bank Statement | Paper or digital PDF statement |
| Customer Service | Contact support of issuing platform |
Verification is especially important for businesses conducting multiple transfers daily or automating their payment systems.
What Makes ClearBank And Sort Code 040605 Different From Traditional Banks?
ClearBank represents a modern approach to banking in the UK. Unlike traditional banks, ClearBank does not offer personal accounts or branch-based services directly to the public. Instead, it serves as a banking-as-a-service (BaaS) provider, supporting third-party platforms with regulatory and payment infrastructure.
Here’s how ClearBank and its associated sort codes stand out from legacy banks:
- No physical branches
- API-based infrastructure enabling real-time integrations
- Faster onboarding for fintechs and regulated financial institutions
- Cloud-native platform offering scalable, secure banking services
- Direct access to UK payment schemes without intermediaries
Sort code 040605 is linked to accounts and platforms that benefit from these modern services, giving users an edge in terms of speed, flexibility, and innovation.
ClearBank’s role is largely invisible to end-users but is instrumental in enabling seamless financial experiences in the apps and tools they use daily.
Why Should Businesses Consider Using ClearBank With Sort Code 040605?
ClearBank’s services, and by extension sort code 040605, are tailored for businesses and fintechs that need dependable financial infrastructure. Whether it’s a startup building a payment platform or a corporate entity seeking real-time reconciliation, ClearBank offers the speed and compliance required in today’s financial environment.
Key benefits for businesses using ClearBank through sort code 040605 include:
- Access to real-time payments via Faster Payments
- Reduced transaction costs through streamlined infrastructure
- Open banking readiness via API connectivity
- Regulatory compliance with UK financial standards
- Scalable systems for high-volume payment processing
Business users typically engage with ClearBank through white-labelled fintech apps or direct APIs.
The infrastructure provided by ClearBank allows them to stay competitive in the fast-evolving digital economy while ensuring robust financial security and customer confidence.
Conclusion
The 040605 sort code is a central part of ClearBank’s digital banking system. It supports high-speed, secure financial transactions, making it ideal for modern businesses and fintech platforms.
With no physical branches and a digital-first approach, ClearBank is shaping the future of UK banking and sort code 040605 plays a vital role in that transformation.
Before making any payments using this sort code, ensure all details are validated for a safe and seamless experience.
FAQs about the 040605 sort code
What is a sort code in UK banking?
A sort code is a six-digit number that identifies a specific bank and branch in the UK. It ensures money is routed to the correct location during transactions.
Is 040605 a real and valid sort code?
Yes, 040605 is a real sort code registered to ClearBank Limited, a fully regulated UK bank.
Can international payments use sort code 040605?
While international payments typically require an IBAN and SWIFT/BIC code, the sort code is still embedded within the IBAN. ClearBank’s BIC code is CLRBGB22.
Who can use ClearBank’s 040605 sort code?
Customers using fintech services or businesses partnered with ClearBank may have accounts associated with this sort code.
How do I confirm the recipient’s bank details with this sort code?
Always verify sort code and account number directly with the recipient or by using a secure sort code checker.
Are there fees for using this sort code?
ClearBank itself doesn’t serve consumers directly, so fees depend on the financial service provider or fintech company facilitating the account.
What happens if I enter the wrong sort code?
Entering an incorrect sort code can lead to failed transactions or funds being sent to the wrong account. Always double-check the details before confirming.
What is your reaction?
