Zempler Bank Review
Zempler Bank, formerly Cashplus Bank, is a UK digital bank focused mainly on business banking for sole traders, freelancers, startups, and small businesses. Its Business Go, Business Extra, and Business Pro accounts offer transparent tiered pricing, FSCS protection, Post Office cash deposits, accounting integrations, digital invoicing, receipt capture, cashflow tools, cashback on paid tiers, and UK-based telephone support.
Key Features
| FSCS Protection | Yes — eligible deposits are protected by the Financial Services Compensation Scheme up to £120,000 per depositor |
| Monthly Fee | £0 (Business Go), £9 (Business Extra), £19 (Business Pro) |
| Business Accounts | Yes — Business Go, Business Extra and Business Pro accounts for sole traders, freelancers, startups and small businesses |
| Cashback Rewards | Business Extra: up to 0.5% on card spend. Business Pro: up to 1% on card spend. Limits apply |
| Saving Pots | Business Pro includes 0.75% interest-earning saving pots, subject to limits |
| Free Payments/Transfers | Business Go: 3 free outgoing payments/transfers per month, then 35p each. Business Extra: 20 free. Business Pro: unlimited |
| Cash Deposits | Cash can be paid in at Post Offices. Zempler lists a 0.55% fee with a £4 minimum charge |
| Accounting Integrations | Connect with accounting software such as Xero, QuickBooks and Sage |
| Invoicing & Receipts | Digital invoice creation and digital receipt capture are included across the business account range |
| Cashflow Tools | Cashflow tracking, set-aside pots and Making Tax Digital tools are available |
| Support | UK-based telephone support is available on all tiers. In-app messaging is available on Business Extra and Business Pro |
| Overdraft | Available by invitation, subject to eligibility |
| Credit Products | Business credit tools and cards may be available to eligible customers |
| International Payments | Send and receive international payments, with fees and availability depending on the transaction |
Zempler Bank at a Glance
- Zempler provides tiered business accounts for small businesses: Business Go (£0/month), Business Extra (£9/month with up to 0.5% cashback), and Business Pro (£19/month with up to 1% cashback, unlimited free payments and transfers, dedicated telephone account management, and 0.75% interest-earning saving pots). Eligible deposits are FSCS protected up to £120,000.
Zempler Bank Services
Zempler offers business current accounts with debit cards, online and mobile banking, instant transaction alerts, 24/7 fraud monitoring, card freeze controls, Post Office cash deposits, accounting integrations with Xero, QuickBooks and Sage, digital invoice creation, digital receipt capture, cashflow tracking, set-aside pots, Making Tax Digital tools, international payments, UK-based telephone support, and in-app messaging on Business Extra and Business Pro. Overdrafts and some credit tools may be available by invitation or subject to eligibility.
✅ Pros
- Free Business Go account available
- Transparent tiered pricing structure
- FSCS protection up to £120,000
- Cashback rewards available on paid plans
- Business Pro includes 0.75% interest-earning saving pots
- Business Pro includes unlimited free outgoing payments and transfers
- Cash deposits available through Post Offices
- Accounting integrations with Xero, QuickBooks and Sage
- Digital invoice creation included
- Digital receipt capture included
- Cashflow tracking and set-aside pots
- Making Tax Digital tools
- UK-based telephone support
- In-app messaging on Business Extra and Business Pro
- 24/7 fraud monitoring and card freeze controls
- Good option for sole traders, freelancers and micro-businesses
⚠️ Cons
- Best features require Business Extra or Business Pro
- Business Go only includes 3 free outgoing payments/transfers per month
- Cash deposits incur a fee
- Business Pro is the only tier with interest-earning saving pots
- No physical branch network
- Less suited to larger businesses with complex banking needs
- Primarily business-focused rather than a full personal banking alternative
- Overdrafts and credit products are subject to eligibility or invitation
- International payments may not be as competitive as specialist FX providers
Why We Like Zempler Bank
We like Zempler because it gives small businesses a clear, predictable way to choose a business account. Business Go keeps costs low for very small or occasional users, while Business Extra and Business Pro add useful extras such as cashback, more included payments, in-app messaging, and stronger account management features. Zempler is especially useful for sole traders and micro-businesses that want FSCS protection, Post Office cash deposits, UK-based telephone support, and practical business tools such as accounting integrations, invoicing, receipt capture and cashflow tracking.
How We Compare Digital Banks
Compared with digital business accounts such as Starling, Tide and Revolut Business, Zempler stands out for its clear tiered pricing, Post Office cash deposit access, UK-based telephone support, cashback on paid tiers and practical small-business tools. Starling may suit businesses wanting a broader free account with strong app functionality, Tide may appeal to users wanting a larger business services ecosystem, and Revolut Business may be stronger for international and multi-currency use. Zempler is strongest for sole traders, freelancers, startups and micro-businesses that want predictable pricing, FSCS protection and straightforward business banking tools.
Financial Information Disclaimer
The information on this website is provided for general guidance only and may not always reflect the latest fees, rates, or terms offered by each bank. While we do our best to keep content accurate and up-to-date, you should always check the bank's official website or app before applying for an account. Nothing on this site constitutes financial advice.
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