Reasons to trust Zempler Bank
- Zempler has helped over 650,000 businesses get started
- Rated as ‘Excellent’ by Zempler Bank customers on Trustpilot
- Fully regulated in the UK, with FSCS protection
Zempler Bank business accounts have something to offer everyone. They’re quick to open, packed with useful tools and features, and offer UK-based phone support. If you or your business have bad credit, the absence of a credit check when opening an account could also appeal.
» COMPARE: Best business bank accounts
Key features
- Free and paid accountsZempler Bank offers the choice between accounts with and without monthly fees.
- FSCS protectionZempler Bank is a fully licensed bank, with eligible deposits of up to £120,000 protected by the Financial Services Compensation Scheme (FSCS).
- Same day openingZempler gets over 99% of business accounts open and ready to be paid into the same day as an application is made.
- Account extrasAccounts offer access to a variety of tools such as integrated accounting, digital receipts and invoice generator.
Zempler Bank business account full review
Zempler Bank is a digital-only UK challenger bank which was formerly known as Cashplus. It introduced the first general-purpose prepaid card in the UK, and also the first online business bank account. In 2021, Zempler Bank secured a full UK bank licence.
Zempler Bank offers three business accounts: the Business Go, Business Extra and Business Pro accounts. All accounts allow you to automatically categorise your spending to create reports and can be integrated with accounting software, such as Xero, QuickBooks and Sage.
Business Go
Zempler Bank’s Business Go account is aimed mainly at newer, smaller businesses and self-starters. It has no monthly fee and comes with the following features and fees:
- free and unlimited payments into the account
- accounting software and cashflow tracking tool
- three free in-app or online payments per month, then 35p per transaction)
- a £2 fee per ATM use (£3 for non-UK ATMs)
- a £4 minimum or 0.55% fee for cash deposits at the Post Office
- an account limit of £500,000
The transaction fees mean it may be better suited to smaller businesses that don’t need to make a large number of payments.
Business Extra
The Zempler Bank Business Extra account is designed with business payments in mind. It costs £9 a month, comes with everything offered by the Go account, plus:
- 20 free in-app or online payments, then 35p each
- up to 0.5% cashback on your card spend
- free ATM withdrawals in the UK or abroad
- fee-free card spending abroad
- an account limit of £500,000
With Business Extra, you can access the Zempler Bank Business Creditbuilder. The idea is to improve your business credit score by taking out what is effectively a small interest-free loan to pay the £9 per month Business Extra fee.
Business Pro
The Business Pro account costs £19 a month but is designed to help more established businesses grow. It includes everything the Extra account offers, plus:
- 500 free payments and transfers per month (35p each afterwards)
- up to 1% cashback on card spending
- an interest-paying savings pot
- an unlimited account limit
- dedicated customer support
Zempler Bank business account features: at a glance
| Business Go | Business Extra | Business Pro | |
| Monthly fee | Free | £9 a month | £19 a month |
| Basic transaction fees | Yes (fees apply to payments and transfers after free allowance of three per month). | Yes (fees apply to payments and transfers after free allowance of 20 per month). | Yes (fees apply to payments and transfers after free allowance of 500 per month). |
| Account management | Online Via a mobile app | Online Via a mobile app | Online Via a mobile app |
| FSCS protection | Yes | Yes | Yes |
| Set-up time | Same day | Same day | Same day |
| Cash deposits | Yes (0.55% fee, minimum £4) | Yes (0.55% fee, minimum £4) | Yes (0.55% fee, minimum £4) |
| Cheque deposits | No | No | No |
| Access to other banking services | Yes (overdraft, credit card but applications currently closed) | Yes (overdraft, credit card but applications currently closed) | Yes (overdraft, credit but applications currently closed) |
| International payments | Yes | Yes | Yes |
| Customer service | 0330 024 0924 (8am to 6pm Monday to Friday, 8am to 4pm Saturdays, 9am to 5pm on Bank Holidays) | 0330 024 0924 (8am to 6pm Monday to Friday, 8am to 4pm Saturdays, 9am to 5pm on Bank Holidays) | 0330 024 0924 (8am to 6pm Monday to Friday, 8am to 4pm Saturdays, 9am to 5pm on Bank Holidays) |
| Multiple user access | Yes | Yes | Yes |
| Create and send invoices | Yes | Yes | Yes |
| Integration with accounting software tools | Yes | Yes | Yes |
Zempler Bank business account pros and cons
Where the Zempler Bank business account stands out
- Quick set-up: Zempler says that 99.9% of new business customers had their accounts open and ready to receive payments on the same day they were applied for.
- No credit checks: Zempler doesn’t carry out a credit check on business account applications, which could prove useful if you, or your business, has poor or perhaps no credit history. .
- Sole traders, limited companies and LLPs: Zempler Bank offers accounts to partnerships as well as sole traders, limited companies and trustees – not every bank does this.
Where Zempler Bank business account falls short
- Transaction costs: There are various transaction fees on all accounts, with the Business Go account only allowing three free payments before charges apply.
- No cheque deposits: You cannot deposit cheques into any of the accounts.
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Zempler Bank business account customer reviews
Zempler Bank generally receives positive reviews from customers. On Trustpilot, Zempler has an ‘Excellent’ rating of 4.4 stars out of 5 based on more than 16,000 reviews.
Zempler’s mobile app also receives good ratings:
- App Store: 4.7 out of 5, based on over 60,000 reviews
- Google Play: 4.4 out of 5, based on over 28,000 reviews
This information is correct as of 6 March 2026.
Zempler Bank business account eligibility
To open a Zempler Bank business account, you will need to:
- be a UK resident
- have a business based in the UK
- be at least 18 years old
Sole traders, partnerships, limited companies, trustees and other approved legal business entities are all eligible to apply for a Zempler Bank account. There are no credit checks, so you can apply if you or your business has a poor credit history.
» COMPARE: Business bank accounts with no credit checks
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