GuideLast checked 8 November 2026

Zempler Bank alternatives

A UK bank business account, formerly Cashplus, with a £0 plan, Post Office cash deposits and paid plans that remove card FX fees and add cashback. If it doesn't fit, here are 31 accounts that share its market, starting with Incard, our pick for businesses whose main costs go on cards.

By the editorial team. How we make money. Our Zempler Bank profile.

Why Incard is our pick instead of Zempler Bank

Incard lists a euro account, which Zempler Bank's pages don't
Incard lists a US dollar account, which Zempler Bank's pages don't
Incard lists accounts for LLPs, which Zempler Bank's pages don't
Card cashback on Incard: Free: 1% on ads, software and travel, 0.5% on other eligible spend. Higher on Grow and Plus. Uncapped. Zempler Bank: Up to 0.5% on Extra, up to 1% on Pro, tiered by monthly spend, max £1,000 a month

cashback a year on Incard's £0 Free plan from £5,000 a month of eligible ads, software and travel spend. Simple arithmetic, not a forecast.

£600

Apply for Incard on incard.co

We may earn a commission if you apply.

The alternatives

**Table notes:** correct as of 8 November 2026, from each provider's own pages. Incard is first as our pick for card spend (we may earn a commission from it); the rest are alphabetical, not ranked. “Lists” means the provider's pages mention it and Zempler Bank's don't.
Account	Cheapest plan	Lists, unlike Zempler Bank	Compare
IncardOur pick for card spend	Free: £0 a month	a euro account, a US dollar account, LLPs, Swiss GmbHs and AGs, Swiss sole traders	Compare Incard and Zempler Bank
AirwallexE-money · safeguarded, no FSCS	Explore: £0 if you deposit or hold at least £10,000 a month, otherwise £19 (excluding VAT)	a euro account, Swiss GmbHs and AGs	Compare Airwallex and Zempler Bank
Allica BankBank · FSCS cover	£0 a month with an average balance of £10,000 or more; otherwise £25 a month	Nothing extra listed	Compare Allica Bank and Zempler Bank
AmexCredit card · no deposits held	Business Gold: £195 a year (£0 in the first year)	LLPs
ANNAE-money · safeguarded, no FSCS	Free: £0 a month, pay for what you use	Nothing extra listed	Compare ANNA and Zempler Bank
Bank of ScotlandBank · FSCS cover	No account fee for 12 months on a business's first account, then £10 a month	a euro account
BarclaycardCredit card · no deposits held	Select Cashback: £0 a year	Nothing extra listed
BarclaysBank · FSCS cover	Free for 12 months, then £8.50 a month	a euro account, a US dollar account, LLPs	Compare Barclays and Zempler Bank
Capital on TapCredit card · no deposits held	Free: £0 a year	LLPs
CountingupBank · FSCS cover	Free for 3 months, then £5 a month while you pay in up to £750 a month	Nothing extra listed	Compare Countingup and Zempler Bank
Danske BankBank · FSCS cover	Small Business Digital: free for 2 years for eligible new Northern Ireland businesses, then £9 a month	a euro account
Equals MoneyE-money · safeguarded, no FSCS	Business: £25 a month (£250 a year)	a euro account, a US dollar account
HSBCBank · FSCS cover	£0 a month	LLPs	Compare HSBC and Zempler Bank
LloydsBank · FSCS cover	Free for 12 months for businesses new to Lloyds, then £10 a month	a euro account	Compare Lloyds and Zempler Bank
Metro BankBank · FSCS cover	£8 a month, or £0 in any month your balance stays at £6,000 or more; 12 months fee-free for businesses new to Metro Bank, 31 months for full switchers	a euro account, a US dollar account, LLPs
MettleBank · FSCS cover	No fee for maintaining the account	Nothing extra listed	Compare Mettle and Zempler Bank
Monzo BusinessBank · FSCS cover	Lite: free	Nothing extra listed	Compare Monzo Business and Zempler Bank
NatWestBank · FSCS cover	No monthly fee; 2 years' free everyday banking for start-ups (turnover up to £1 million) and full switchers (turnover up to £2 million)	Nothing extra listed	Compare NatWest and Zempler Bank
PayhawkE-money · safeguarded, no FSCS	Growth program: £149 a month	Nothing extra listed
PleoE-money · safeguarded, no FSCS	Start: £8 per user a month	a euro account, a US dollar account
Revolut BusinessBank · FSCS cover	Basic: £10 a month	a euro account, a US dollar account	Compare Revolut Business and Zempler Bank
RBSBank · FSCS cover	No monthly fee; 2 years of free everyday banking for start-ups (turnover under £1m) and full-switch customers (turnover up to £2m)	Nothing extra listed
SantanderBank · FSCS cover	Free for 12 months for start-ups and switchers, then £9.99 a month	LLPs	Compare Santander and Zempler Bank
SoldoE-money · safeguarded, no FSCS	Standard: £27 a month + VAT	a euro account, a US dollar account
StarlingBank · FSCS cover	£0 a month	a euro account, a US dollar account, LLPs	Compare Starling and Zempler Bank
Co-op BankBank · FSCS cover	£0 a month	LLPs
TideBank · FSCS cover	Lite: £0 a month	Nothing extra listed	Compare Tide and Zempler Bank
TSBBank · FSCS cover	Free for 30 months, then £5 a month (not charged if your average balance is £10,000 or more)	Nothing extra listed
Virgin MoneyBank · FSCS cover	25 months' free day-to-day banking for eligible start-ups and switchers, then £6.50 a month	LLPs
Wise BusinessE-money · safeguarded, no FSCS	No subscription or monthly fee	a euro account, a US dollar account	Compare Wise Business and Zempler Bank
WorldFirstE-money · safeguarded, no FSCS	£0 a month	a euro account, a US dollar account

What Zempler Bank does well

Before you move, check that you won't lose something you use. Zempler Bank suits you if:

You pay in cash at the Post Office
You want FSCS cover on a £0 plan
You want to take contactless card payments on your phone
You'd pay £9 or £19 a month to drop card FX fees and earn cashback

Many businesses keep their existing account and add a second one for card spending. Our switching guide covers both routes.

When Incard isn't the answer

Incard isn't the right account if

Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries

Our pick for card spend

Incard: 1% cashback on ads, software and travel, on a £0 plan

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Read Incard vs Zempler Bank Work out your cashback Check eligibility

Apply for Incard on incard.co

We may earn a commission if you apply.

a month on the Free plan, with team cards: £0
cashback on ads, software and travel; 0.5% on other eligible spend: 1%
IBANs in three currencies: GBP, EUR, USD

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.

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