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Zempler Bank : Business account reviews

Name: Business account
Rating: 4.75 (9889 reviews)

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4.75

Based on 9,889 reviews, last reviewed 20th Jun 2026

51% decrease in 5 star reviews

in the past 90 days

60% decrease in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Excellent Bank Excellent Seevice Highly Recommend Reviewed on: 20th June 2026

Latest lowest rating:

1

Our account has been playing up for the past few days. Our account has been playing up for the past few days. The inconvenience it has caused is terrible. We cannot pay our suppliers, wages payout cannot b... Read more Reviewed on: 24th April 2026

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About this product

Zempler Bank offers business accounts with no monthly fees, FSCS protection, and tools for managing finances. Features include UK-based telephone support, 24/7 fraud monitoring, in-app and online banking. Zempler Bank say they are dedicated to supporting small businesses with reliable banking solutions.

This review account was formerly for Cashplus, who rebranded to Zempler Bank on 9 July 24.

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Zempler Bank Business account reviews (9889)

New to Business Accounts...

When we originally opened out bank account we needed a business account and qucikly. Cash Plus gave us all the options we needed and we swift with set up. The app particularly is great to use and easy to navigate Reviewed on: 17th January 2024

Appalling Customer Service - Inept Organisation

Account Frozen without notice - No responsibility for action taken with robotic advisers who refuse any help whatsoever. Absolutely disgraceful organisation avoid at all costs. This company may put our small business into liquidation. Reviewed on: 28th November 2023

Please Be Aware - READ THEIR REVIEWS CLOSELY

Please Be Aware - READ THEIR REVIEWS CLOSELY It seems from Twitter, Trust Pilot and Google reviews the common occurance is: 1. Open account issue cards give online access via App. 2. Request further info / ID and lock the account / Cards / and App access. 3. Customer Services are powerless to help, though are decent to speak to 70 percent of the time, they will tell you its with another team. 4. Wait several months and if you are lucky you will get access again. 5. THIS IS NOT AN ISOLATED CASE. CHECK THEIR REVIEWS. You will have zero access, help or empathy from them. Be assured of that. I finally got access here is my last e-mail into the abyss of their complaints e-mail system: Now please CLOSE THE ACCOUNT, I have withdrawn my funds. I will not accept or pay any charges you may add in future. I see that you do this same tactic to many people and cause a lot of unnecessary suffering and stress. We have monitored all the Twitter complaints, Trustpilot and Google complain reviews and I can only hope, for the good of other potential victims, the existing petition against you is successful. I will now pursue compensation for the distress your organisation has caused futhermore have contacted BBC Radio 4 - You and Yours Team who will hopefully investigate Cashplus Bank AKA - Advanced Payment Solutions Ltd. I see many people have written to Martin Lewis also regarding your tactics. I will no doubt get a (probably automated) Cashplus response detailing some legislation they hide behind. Be warned people, please be warned. Reviewed on: 28th November 2023

its a well orchestrated scam

its not a bank. its A SCAM. If I could give zero stars, I would. My experience with Cashplus Bank has been abysmal, causing me not just financial harm but also immense frustration and disappointment. As a new business owner, I opened an account with them, hoping for a reliable banking institution. Instead, I was met with a nightmare scenario. My first and significant business transaction of £4,990 was inexplicably withheld by the bank. Their justifications were vague and their demands for documentation were absurdly invasive, severely straining my business relationships. The incompetence didn't end there. My account was blocked and restored without my knowledge, a fact I only discovered when trying to understand why my transaction was mishandled. The final blow came when I learned that they had unilaterally decided to return the funds to the payer. This action, taken without my consent or any forewarning, has not just left me financially crippled but also betrayed and helpless. Their customer service was a mockery, offering nothing but empty apologies and no real solutions. I am left with no choice but to seek legal action, a path filled with anxiety and uncertainty, all because of Cashplus Bank's irresponsible and uncaring treatment. This bank has not only failed me as a customer but also shattered my trust in what a banking institution should represent. I urge anyone considering Cashplus Bank to stay away. They have shown a complete disregard for customer care, ethical practices, and basic decency. This isn't just poor service; it's a complete abandonment of responsibility and a total lack of empathy for their customers' plight. Rating: ⭐ (1/5 stars) - Only because I can't go lower. Reviewed on: 24th November 2023

FRAUDS BANK

as a business owner i lost all my direct debits and customers because of cashplus business bank,they freez my account and ask for submit id , 3 times i emaild my id to them and no respond , looks like frauds bank , they frez your money and dont let you to get access to your bank account and they say for your own security your account is blocked!!! Absolotly Scamers AND Shocking Reviewed on: 25th October 2023

BANK TO AVOID AT ALL COSTS, WORSE THAN IF IT HAD THE BUBONIC PLAGUE

It is a bank that in its advertising boasts of being a High Street Bank, and in 4 minutes you can have the account. It's true, I was 5 minutes late, I can forgive you for that. Being a foreigner opening a company in the UK, I followed the advice of my accountant and after making a couple of inquiries on the Internet, after having obtained the company number from Companies House, I applied like any other person. I actually filled out the application, and five minutes later I already had an account number. I thought, how fast the procedures are in the UK, compared to my country of origin. Next, I think it is normal for anyone who is opening a company in the UK, you inform both your accountant and the insurer of your Liability Insurance of said bank account number, and finally to the recruitment agency for which you are working to credit the invoices you issue into said account. I made the transfer from my personal account that is in a different entity, and after a couple of days I received the aforementioned debit card at my home. Meanwhile, I downloaded the app to my smartphone, and I also took care of having access via the Web. So far so good. A day later I receive an SMS. Your account has been blocked. You need to provide proof of address. I also receive an email with the same subject, with a link where I can upload the required documents, the normal thing, or so I thought, two documents to prove identity, and two additional documents for proof of address. I usually have my documentation scanned so I attached it to said link, thank you and it may take up to 5 workdays to examine said documentation. And this is when you hear that the trap for the unwary has been closed around you without you knowing it, because you have started a company, which if I may use the example is like being inside a vehicle that is traveling at 200 mph, and suddenly They tell you that they will remove the wheels until the documentation has been examined, but at the same time the vehicle continues in motion, that is, you completely lose operational control of the company. You let a reasonable period of days pass and you notice that since you uploaded the documents, there has been no feedback of any kind from Cashplus. You start to see ways to contact them, and after browsing the different pages of their website everything goes through their customer service number by phone. As a foreigner, in a face-to-face conversation you always have more room to communicate, but when you call their call center, you suddenly find yourself in the middle of an English pronunciation test. Until call number 15, was when I managed to pass their security test for the first time, because the operators assured that my pronunciation was not adequate and that I did not pass the test. I have been sending documentation like an idiot, having said documentation rejected arguing that it did not pass their draconian conditions for them to admit a scanned document. Every time you call they only know how to answer that you look on their website at the list of documentation they accept and "WHAT CONDITIONS EACH OF THE DOCUMENTS PROVIDED MUST MEET". It has been exasperating the amount of time I have wasted with this bank, which is still a supplier, and which has withheld money from me for an invoice paid by my client, to which I cannot have access as long as I do not get overcome their "security checks". I've had my account blocked for 20 days now. Conclusion I created a business bank account in Revolut, within 24 hours it was operational and I have been able to receive payments from my clients and be able to pay the first installments of the direct debits that I had first debited in CashPlus. Avoid CashPlus at all costs and do like me and go to Revolut to open the bank account. I hope this review is useful to you when you are reading it, because based on reviews of this style is how users can protect ourselves from these types of companies that use bad tricks to capture unsuspecting people like me on this occasion. Reviewed on: 28th September 2023

Very poor customer care

Denied access to my account for a few days. No chance for discussion I made the biggest mistake in joining this Name. Reviewed on: 19th September 2023

Freeze your account without notice

Shocking bank. We are a financial services regulated company, squeaky clean with accounts up to date etc. had banked with Cashplus for 18 months with no issue then suddenly account frozen. Customer services were a joke. No explanation given and after 3 months despite opening a new bank account have refused to move our monies to our new bank. They won’t tell us anything although we suspect it is the fact they weren’t making much in charges so we aren’t profitable for them. Abysmal way to treat people do not use this bank ever. Reviewed on: 18th September 2023

DO NOT OPEN AN ACCOUNT

DO NOT OPEN AN ACCOUNT WITH CASH PLUS… DO NOT OPEN AN ACCOUNT WITH CASH PLUS PLEASE READ FROM P&H TRANSPORT...... OUR BUSINESS ACCOUNT WAS OPERATING FOR YEARS OUT OF THE BLUE WE HAD THE ACCOUNT FROZEN BECAUSE WE TRIED TO ADD A SECOND PERSON TO THE ACCOUNT THEY SAID THE ID PICTURE WAS NOT CLEAR ENOUGH SO BLOCKED THE FULL ACCOUNT ??? WE ARE UK NATIONALS LIVED IN THE UK AND A NORMAL UK COMPANY AFTER 20+ PHONE CALLS TO THEM AFTER 2 MONTHS THIS IS STILL GOING ON PLEASE LISTEN TO THIS DO NOT OPEN AN ACCOUNT WITH THIS BANK THEY WILL LITRALLY CLOSE UR ACCOUNT STOP PAYMENTS WITH NO REGARD TO WHAT IT DOES TO THE COMPANY WE CAN NOT PAY OUR INSURANCE AND THE STAFF CANT BE PAID ALL THEY EVER SAY IS WAIT 5 DAYS OVER AND OVER AGAIN. THEY WONT ACCEPT EMAILS WONT TRANSFER YOU TO MANAGERS WONT DEALT WITH ANYTHING PLEASE DO NOT OPEN AN ACCOUNT WITH IF YOU HAVE A BUSINESS 3 MONTHS AND STILL GOING ON. Reviewed on: 20th July 2023

My first ever business account

At age 64 i opened my first ever business account and chose cashplus bank. A very wise decision indeed and i use the mobile app all the time for paying invoices. I was so impressed i have now opened a second account for a totally different business venture. Really pleased with cashplus. cheers Reviewed on: 4th June 2023

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