Clearspend | Ulster Bank

Clearspend app


The smarter way to control
your business spending

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General enquiries

Please call 0345 366 5592 (UK)

or if calling from abroad, 0044 2890 538459

Lines are open 8.30am - 5.30pm  Monday to Friday - Note calls may be recorded  Call charges



What´s ClearSpend?

ClearSpend is a free web and mobile app that gives Commercial Cards customers complete control of their account in real-time and lets employees check their balance on the go. ClearSpend is a UK banking industry first, and works across all the major platforms, whether that’s Android, iOS or through your web browser.

Why use ClearSpend?
Clear visibility of every transaction

View cardholders transactions and balance information in real time as they happen, with handy graphs to help you analyse spend patterns.

Control what's spent where

Set cardholder credit limits (daily, monthly or per transaction) and merchant category blocking. Email and push notifications keep cardholders aware of changes.

Communicate with your cardholders

Employees can download their own version of the app and easily send requests to change their card restrictions, which you simply accept or decline.

Turn the card 'on or off'

You can block a card and enable it again or even close a card if an employee leaves the company.

the card and payments awards, 2019 category winner, best initiative in mobile payments
ClearSpend FAQ's

Icon expand How do you register for ClearSpend?

You must be a pre existing Business Credit or Charge Card account owner. From the ClearSpend Log In page you will need to click on the Need to register link. We will verify your details to ensure you are the Business Credit or Charge Card account owner and send you a registration email. Follow the steps in the email to activate your account. This guide shows the step by step process.


Icon expand Who can register for ClearSpend?

The first ClearSpend user within a company will need to be an authorised signatory and their email address must be recorded on the Business Credit or Charge Card account in order for them to register.

Once registered, the authorised signatory can then invite additional users within their company to also use ClearSpend.


Icon expand How do I reset my password?

At the login screen, enter your email address associated with ClearSpend. Next, click on the Forgot password link. You will be sent a password reset email. Follow the steps in the email to change your password. 


Icon expand How do I invite new users?

From the Management section of ClearSpend select the user you wish to invite. Enter their email address and mobile number if required, select the user profile type and department and then press Save and then Send invitation. To add a user who does not hold a card select the Add user button under Departments and users to creat a new user. 


Icon expand How do I use biometric authentication when logging into the ClearSpend Website/Desktop?

If you’ve downloaded and logged into the ClearSpend mobile app and turned on biometric authentication, a push notification will be sent to your mobile device. Click the push notification and the ClearSpend mobile app will open. You can then use fingerprint or facial recognition to authenticate yourself. The webpage will reload to confirm you have successfully logged in.

Open Banking FAQs

Icon expand How do I share/manage my Business Credit or Charge Card transaction and balance information with a Third Party Provider using Open Banking?

You will need to provide/manage your consent after confirming your Clear Spend user credentials through the Clear Spend desktop/website or mobile applications. This guide shows the step by step process to do that.


Icon expand Who can provide/revoke consent to share/manage my Business Credit or Charge Card account data with Third Party Providers (TPP)?

You can only authorise a TPP to access your account data if you have an Administrator/Authorised Signatory user profile for ClearSpend; all other user profile types including cardholders cannot provide consent to share data.


Icon expand What can I do if I receive a "don't have any valid accounts to connect" or "non-valid account" message?

You may receive this message for a few reasons: such as trying to consent, reconsent or add an additional Credit Card account. Please read this PDF document on how to provide/manage consent. If the message still persists please contact your ClearSpend Administrator/Authorised Signatory to set up your ClearSpend user profile type and linked accounts correctly or alternatively contact us.


Icon expand What can I do if my session expires when entering my email address number and security details?

Please restart the process to provide your consent. 


Icon expand Which accounts are in scope for Open Banking?

The following account types are in scope for Open Banking:

  • Payment enabled Current Accounts, both Personal and Business
  • Payment enabled Savings Accounts, both Personal and Business
  • Payment enabled Current Account Mortgages
  • Credit Cards and Charge Cards, both Personal and Business 

Discover the specific list of accounts in scope in this PDF document.

Support guides

Our downloadable support guides cover all the ClearSpend essentials. They are great reference points if you’re getting started on ClearSpend. They also cover sharing your account data via Open Banking. 

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