{"id":100003,"date":"2018-04-10T12:26:25","date_gmt":"2018-04-10T11:26:25","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=100003"},"modified":"2026-04-01T16:10:23","modified_gmt":"2026-04-01T15:10:23","slug":"zempler-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review","title":{"rendered":"Zempler (formerly Cashplus) could help if your credit history isn&#8217;t great"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; 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}\n.lds-facebook div:nth-child(1) { left: 8px; animation-delay: -0.24s; }\n.lds-facebook div:nth-child(2) { left: 32px; animation-delay: -0.12s; }\n.lds-facebook div:nth-child(3) { left: 56px; animation-delay: 0; }\n@keyframes lds-facebook { 0% { top: 8px; height: 64px; } 50%, 100% { top: 24px; height: 32px; } }\n<\/style>\n\n\n\n<div id=\"user-review-promo\">\n<div id=\"user-review-promo-content\">\n<div id=\"user-review-promo-close\" style=\"display: none\">x<\/div>\n\n<div id=\"review-loader\" class=\"lds-facebook\"><div><\/div><div><\/div><div><\/div><\/div>\n\n<div id=\"user-review-promo-core\">\n<img decoding=\"async\" id=\"user-review-promo-img\" src=\"\" style=\"max-width: 200px;\" loading=\"lazy\">\n<p class=\"u-italic text-xxx-large\">Leave a review<\/p>\n<p id=\"user-review-promo-copy\" class=\"u-border--b u-border--normal u-border--solid has-padding-bottom-small\"><\/p>\n\n<div id=\"user-review-promo-element\" class=\"has-margin-small\">\n<div id=\"user-review-promo-rating\">\n<div id=\"user-review-promo-rating-copy\"><\/div>\n<div id=\"user-review-promo-rating-stars\">\n<span id=\"star1\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"5\">\u2605<\/span>\n<span id=\"star2\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"4\">\u2605<\/span>\n<span id=\"star3\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"3\">\u2605<\/span>\n<span id=\"star4\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"2\">\u2605<\/span>\n<span id=\"star5\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"1\">\u2605<\/span>\n<\/div>\n<\/div>\n<div id=\"user-review-promo-review\">\n<p class=\"has-margin-bottom-xsmall\">Your review<\/p>\n<p id=\"user-review-promo-review-description\" style=\"font-size: .8em;\"><\/p>\n<textarea id=\"user-review-promo-review-text\" class=\"luna-input review\" style=\"width: 100%; min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.cashplus.com\/\" class=\"luna-button luna-button--primary\">Return to Cashplus<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><p>Zempler looks to provide customers with a quick and accessible alternative to traditional banks, using smartphone technology to deliver banking on demand. Its main focus is serving customers who have a poor credit score.<\/p><p>Zempler also offers credit cards (and you can read about them <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/cashplus-credit-card\">here<\/a>), but this review only looks at its personal current accounts. (Zempler also operates business current accounts, which you can discover more on <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/zempler-business-review\">here<\/a>).<\/p><h3 id=\"review\">What is a Zempler personal current account?<\/h3><p>A Zempler personal current account is digital-only, with all the services available through an app on your smartphone or directly online.<\/p><p>With Zempler, you get all the standard features of a current account: a card, bank payments, ATM withdrawals, direct debits, an overdraft option and so on.<\/p><p>However, Zempler\u2019s main focus is helping people to improve their credit score, so it offers a \u201ccredit builder\u201d feature \u2013 and that\u2019s what really distinguishes it from other providers.<\/p><p>If you activate it on an Activeplus account, Zempler \u201clends\u201d you your monthly current account fee, and then treats your monthly payments as loan repayments, which are then reported to the credit reference agencies. If you keep up with the payments, your credit score will improve.<\/p><h3>The Zempler app<\/h3><p>The Zempler app is simple and straightforward, although not quite as feature-rich as you may expect from a digital-only account (no spending categories or budgeting features here, sorry).<\/p><p>The home screen includes:<\/p><ul class=\"list-10\"><li><strong>A rundown of your account.<\/strong> Including your balance, spending allowance and account details.<\/li><li><strong>Activate a card.<\/strong> Request and activate your Zempler bank card.<\/li><li><strong>View credit add-ons.<\/strong> If you have used any of Zempler\u2019s extra services such as credit cards or extended overdrafts, you can view them here.<\/li><li><strong>Make a payment.<\/strong> Make payments through the app.<\/li><\/ul><p>There is also a drop-down menu where you can access:<\/p><ul class=\"list-10\"><li><strong>Overview.<\/strong> A complete summary of your account status.<\/li><li><strong>Statements.<\/strong> View your transactions and request a bank statement.<\/li><li><strong>Manage my card.<\/strong> View card details and manage activation status.<\/li><li><strong>Payments and transfers.<\/strong> Make and manage your payments, transfers and direct debits.<\/li><li><strong>Add-ons.<\/strong> View and select different add-ons offered by Zempler.<\/li><\/ul><p>You can also find FAQs, settings and access any messages through the dropdown menu.<\/p><h3>Zempler fees and limits<\/h3><p>Unlike many challengers, banking with Zempler doesn\u2019t come for free. Fees and limits vary depending on the type of account.<\/p><p>Personal accounts come in two forms: Freedom and Activeplus. <\/p><ul class=\"list-10\"><li>Freedom accounts are free but come with a charge for ATM cash withdrawals, cash deposits at Post Office branches and card spend abroad. There is also a fee for sending payments and transfers if you exceed 3 a month. <\/li><li>Activeplus accounts have a monthly fee but there are no charges for cash withdrawals and you can send 9 free payments a month. Cash deposits at Post Office branches still incur a fee. You can use the Creditbuilder feature with this account. <\/li><\/ul><p>For both accounts, there is a cost associated with receiving the accompanying card.<\/p><h3>Using Zempler abroad<\/h3><p>For all personal accounts, there is a cost associated with making a transaction abroad. <\/p><p>But Zempler also offers free prepaid currency cards in dollars and euros. The cards allow you to withdraw and spend money in Europe or America at no extra cost, and because they\u2019re prepaid they also help you manage your budget.<\/p><h3>Is Zempler safe?<\/h3><p>Zempler takes security seriously and requires basic information alongside certified documents to register your account. Your account is kept behind a secure password and is locked if the wrong password is entered three times. Additionally, after 15 minutes of inactivity, you are logged out automatically.<\/p><p>Zempler is fully regulated by the Financial Conduct Authority (FCA). This means that money deposited in Zempler accounts is protected by the Financial Services Compensation Scheme (<a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">FSCS<\/a>) up to \u00a3120,000. <\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Pros and cons of Zempler<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Have an account up and running in 20 minutes.<\/li>\n                                    <li>Credit builder feature available to improve your credit score.<\/li>\n                                    <li>Optional overdraft to help you in a pinch.<\/li>\n                                    <li>Currency cards available for spending overseas.<\/li>\n                                    <li>Online banking service as well as a mobile app.<\/li>\n                                    <li>Payment alerts for direct debits.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Personal account applications are currently closed.<\/li>\n                                    <li>Must pay a monthly fee for an account, or face additional charges with the free account.<\/li>\n                                    <li>Fee to have your bank card issued.<\/li>\n                                    <li>Not all banking services are available via the app.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Customer service information for Zempler<\/h3><table class=\"i_infobox product_infobox has-margin-bottom\">\n<tbody>\n<tr>\n<th>Email support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Telephone support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>In-app or live chat<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Contact form<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Branch support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3 id=\"verdict\">Our verdict<\/h3><p>Zempler mostly focuses on helping people build up their credit score, and if you\u2019re just looking for a digital-only current account, there certainly are cheaper options.<\/p><p>However, the credit builder feature may have something in it for you if you have a bad credit score and want to improve it. This could be particularly useful if you don\u2019t want to take out a credit card or won\u2019t be accepted for one. However, make sure you also have a look at <a href=\"https:\/\/www.finder.com\/uk\/bad-credit\">our bad credit guide<\/a> and compare your options first.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">How does Zempler make money?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Net interest income: Zempler uses customer deposits as overdrafts and loans for other customers.<br>Treasury income: The Bank of England holds money that isn't used for loans and overdrafts, where it generates interest.<br>Interchange income: The small fee Zempler takes from card transactions made on certain accounts.<br>Fees and commission: Zempler upsells credit cards and overdrafts, which generate income through the interest customers must pay back on top of the borrowed amount.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Is it easy to top up your Zempler account?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Very easy. Transfer money from another bank account or deposit cash through a Post Office branch. Post Office deposits incur a fee (with a minimum charge in place).<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Can I transfer money abroad with a Zempler personal account?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>No. You can receive international payments into your account, but you can't make outbound international payments from your account. Fees apply.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000003\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000003\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Is a Cashplus current account right for you? Read our review to find out more about its credit builder feature and the fees involved.<\/p>\n","protected":false},"author":867,"featured_media":537736,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-100003","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Zempler review | Account features, fees and charges<\/title>\n<meta name=\"description\" content=\"Is Zempler the right banking solution for you? Read our review to find out more about the accounts on offer, plus the features and fees.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zempler (formerly Cashplus) could help if your credit history isn&#039;t great\" \/>\n<meta property=\"og:description\" content=\"Is Zempler the right banking solution for you? Read our review to find out more about the accounts on offer, plus the features and fees.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2018-04-10T11:26:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/09\/zempler-250x250-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Michelle Stevens\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/mstevens_uk\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Michelle Stevens\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review\"},\"author\":{\"name\":\"Michelle Stevens\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/9a582a1ad3f08b64a5a36f01e953fa22\"},\"headline\":\"Zempler (formerly Cashplus) could help if your credit history isn&#8217;t 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We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/9a582a1ad3f08b64a5a36f01e953fa22\",\"name\":\"Michelle Stevens\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png\",\"caption\":\"Michelle Stevens\"},\"description\":\"Michelle Stevens is a deputy editor at Finder, specialising in banking, credit, loans and mortgages. She has a journalism degree from the University of Sheffield and has been a journalist for 15 years, writing on topics including fintech, payment systems and retail. In her spare time, Michelle likes to travel, explore new foodie experiences and attempt to improve her own culinary skills.\",\"sameAs\":[\"https:\/\/twitter.com\/mstevens_uk\",\"https:\/\/www.linkedin.com\/in\/michelle-stevens-3b4a0435\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/michellestevens\",\"jobTitle\":\"Deputy editor\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Mortgages\"},{\"@type\":\"Thing\",\"name\":\"Credit\"},{\"@type\":\"Thing\",\"name\":\"Fintech\"},{\"@type\":\"Thing\",\"name\":\"Payments\"},{\"@type\":\"Thing\",\"name\":\"Loans\"}],\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-11479\",\"author\":{\"@type\":\"Person\",\"name\":\"Michael\"},\"text\":\"Hi there, why is there a limit to what you can receive? 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It doesn\u2019t seem to be in the account yet and it\u2019s been half hour.\",\"datePublished\":\"2018-12-15 18:42:14\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-7834\",\"author\":{\"@type\":\"Person\",\"name\":\"Stella\"},\"text\":\"Hi\\r\\nI would like to know if there'a any maximum amount I can have it on my personal cashplus MasterCard and also what's the maximum amount I can deposit or transfer into my account? \\r\\n\\r\\nThanks\",\"datePublished\":\"2018-11-04 08:44:15\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-7149\",\"author\":{\"@type\":\"Person\",\"name\":\"Kim\"},\"text\":\"Can I use to pay a monthly standing order?\\r\\nThanks.\",\"datePublished\":\"2018-10-10 14:24:49\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-7103\",\"author\":{\"@type\":\"Person\",\"name\":\"Kev\"},\"text\":\"What is the maximum daily withdrawal limit for my Cashplus business account?\\n\",\"datePublished\":\"2018-10-09 07:59:14\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-6739\",\"author\":{\"@type\":\"Person\",\"name\":\"Lucy\"},\"text\":\"Hi hi I have just registered a business account and am concerned about some of the reviews. Can I withdraw cash and will I have any problems making card payments eg petrol etc as there appears to issues ?\\r\\nThanks\\r\\nL\",\"datePublished\":\"2018-09-26 21:18:47\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-6729\",\"author\":{\"@type\":\"Person\",\"name\":\"Harun\"},\"text\":\"HI,\\r\\n\\r\\nHow do we make a transfer abroad?\\r\\n\\r\\nI don't see an option in payments &amp; transfers section.\",\"datePublished\":\"2018-09-26 15:14:10\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-6602\",\"author\":{\"@type\":\"Person\",\"name\":\"mr\"},\"text\":\"what is the cashplus personal and business cards atm withdrawals?\",\"datePublished\":\"2018-09-20 05:19:41\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-6524\",\"author\":{\"@type\":\"Person\",\"name\":\"Tom\"},\"text\":\"Is it possible to make cash withdrawals off over \u00a32000 from a post office with a business account?\",\"datePublished\":\"2018-09-19 12:38:00\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-5955\",\"author\":{\"@type\":\"Person\",\"name\":\"Amy\"},\"text\":\"It will not let me register for an online account, every time I try it says registration failed please try again later, I have been trying for 3 days now and still no change\",\"datePublished\":\"2018-09-06 22:36:32\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-5250\",\"author\":{\"@type\":\"Person\",\"name\":\"Nevena\"},\"text\":\"How can I cancel cash plus card and if I don't activate it what will happen\",\"datePublished\":\"2018-08-06 16:10:53\"},{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"name\":\"Frequently Asked Questions\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How does Zempler make money?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rNet interest income: Zempler uses customer deposits as overdrafts and loans for other customers.\\rTreasury income: The Bank of England holds money that isn't used for loans and overdrafts, where it generates interest.\\rInterchange income: The small fee Zempler takes from card transactions made on certain accounts.\\rFees and commission: Zempler upsells credit cards and overdrafts, which generate income through the interest customers must pay back on top of the borrowed amount.\\r\"}},{\"@type\":\"Question\",\"name\":\"Is it easy to top up your Zempler account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rVery easy. Transfer money from another bank account or deposit cash through a Post Office branch. Post Office deposits incur a fee (with a minimum charge in place).\\r\"}},{\"@type\":\"Question\",\"name\":\"Can I transfer money abroad with a Zempler personal account?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\rNo. You can receive international payments into your account, but you can't make outbound international payments from your account. Fees apply.\\r\"}}]}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-04-01T16:09:04+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Zempler review | Account features, fees and charges","description":"Is Zempler the right banking solution for you? 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We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/9a582a1ad3f08b64a5a36f01e953fa22","name":"Michelle Stevens","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/MichelleStevensF1_Finder_600x600.png","caption":"Michelle Stevens"},"description":"Michelle Stevens is a deputy editor at Finder, specialising in banking, credit, loans and mortgages. She has a journalism degree from the University of Sheffield and has been a journalist for 15 years, writing on topics including fintech, payment systems and retail. In her spare time, Michelle likes to travel, explore new foodie experiences and attempt to improve her own culinary skills.","sameAs":["https:\/\/twitter.com\/mstevens_uk","https:\/\/www.linkedin.com\/in\/michelle-stevens-3b4a0435"],"url":"https:\/\/www.finder.com\/uk\/author\/michellestevens","jobTitle":"Deputy editor","knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Mortgages"},{"@type":"Thing","name":"Credit"},{"@type":"Thing","name":"Fintech"},{"@type":"Thing","name":"Payments"},{"@type":"Thing","name":"Loans"}],"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-11479","author":{"@type":"Person","name":"Michael"},"text":"Hi there, why is there a limit to what you can receive? How much can I receive if I have business cash plus accounts?","datePublished":"2019-02-27 21:55:48"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-11220","author":{"@type":"Person","name":"Dan"},"text":"Just got my card through in the post, what happens if I don't activate it?\r\n\r\nHaving read up on this card today it is not something I am looking for so have no use for it, has not been used or activated.","datePublished":"2019-02-21 13:21:10"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-9890","author":{"@type":"Person","name":"Sue"},"text":"Can any EU-resident with a UK company apply for an account with you?","datePublished":"2019-01-17 12:10:15"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-9764","author":{"@type":"Person","name":"Gary"},"text":"Why does a Cashplus business account have a max \u00a315000 balance limit?","datePublished":"2019-01-13 11:01:23"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-9594","author":{"@type":"Person","name":"Fin"},"text":"Why don't the ATM machines in my area allow me to withdraw cash with my prepaid Cashplus card?","datePublished":"2019-01-07 10:17:42"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-9440","author":{"@type":"Person","name":"Ty"},"text":"What is this annual fee of \u00a369 for? ","datePublished":"2019-01-01 09:51:10"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-9075","author":{"@type":"Person","name":"Helen"},"text":"I transferred funds from my normal bank to Cashplus account, I can\u2019t find how long it takes? It doesn\u2019t seem to be in the account yet and it\u2019s been half hour.","datePublished":"2018-12-15 18:42:14"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-7834","author":{"@type":"Person","name":"Stella"},"text":"Hi\r\nI would like to know if there'a any maximum amount I can have it on my personal cashplus MasterCard and also what's the maximum amount I can deposit or transfer into my account? \r\n\r\nThanks","datePublished":"2018-11-04 08:44:15"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-7149","author":{"@type":"Person","name":"Kim"},"text":"Can I use to pay a monthly standing order?\r\nThanks.","datePublished":"2018-10-10 14:24:49"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-7103","author":{"@type":"Person","name":"Kev"},"text":"What is the maximum daily withdrawal limit for my Cashplus business account?\n","datePublished":"2018-10-09 07:59:14"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-6739","author":{"@type":"Person","name":"Lucy"},"text":"Hi hi I have just registered a business account and am concerned about some of the reviews. Can I withdraw cash and will I have any problems making card payments eg petrol etc as there appears to issues ?\r\nThanks\r\nL","datePublished":"2018-09-26 21:18:47"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-6729","author":{"@type":"Person","name":"Harun"},"text":"HI,\r\n\r\nHow do we make a transfer abroad?\r\n\r\nI don't see an option in payments &amp; transfers section.","datePublished":"2018-09-26 15:14:10"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-6602","author":{"@type":"Person","name":"mr"},"text":"what is the cashplus personal and business cards atm withdrawals?","datePublished":"2018-09-20 05:19:41"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-6524","author":{"@type":"Person","name":"Tom"},"text":"Is it possible to make cash withdrawals off over \u00a32000 from a post office with a business account?","datePublished":"2018-09-19 12:38:00"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-5955","author":{"@type":"Person","name":"Amy"},"text":"It will not let me register for an online account, every time I try it says registration failed please try again later, I have been trying for 3 days now and still no change","datePublished":"2018-09-06 22:36:32"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/zempler-review#comment-5250","author":{"@type":"Person","name":"Nevena"},"text":"How can I cancel cash plus card and if I don't activate it what will happen","datePublished":"2018-08-06 16:10:53"},{"@context":"https:\/\/schema.org","@type":"FAQPage","name":"Frequently Asked Questions","mainEntity":[{"@type":"Question","name":"How does Zempler make money?","acceptedAnswer":{"@type":"Answer","text":"\rNet interest income: Zempler uses customer deposits as overdrafts and loans for other customers.\rTreasury income: The Bank of England holds money that isn't used for loans and overdrafts, where it generates interest.\rInterchange income: The small fee Zempler takes from card transactions made on certain accounts.\rFees and commission: Zempler upsells credit cards and overdrafts, which generate income through the interest customers must pay back on top of the borrowed amount.\r"}},{"@type":"Question","name":"Is it easy to top up your Zempler account?","acceptedAnswer":{"@type":"Answer","text":"\rVery easy. Transfer money from another bank account or deposit cash through a Post Office branch. Post Office deposits incur a fee (with a minimum charge in place).\r"}},{"@type":"Question","name":"Can I transfer money abroad with a Zempler personal account?","acceptedAnswer":{"@type":"Answer","text":"\rNo. You can receive international payments into your account, but you can't make outbound international payments from your account. Fees apply.\r"}}]}]},"article_modified_time":"2026-04-01T16:09:04+00:00"},"custom_fields":{"_content_type":["niche-content\/recommendation\/provider-review"],"_masthead_variant":["{\"id\":\"standard-provider\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"Fixing your credit score isn&rsquo;t easy, but one option is Zempler - similar to a current account and all done online.\"}"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/100003"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/867"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=100003"}],"version-history":[{"count":21,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/100003\/revisions"}],"predecessor-version":[{"id":575619,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/100003\/revisions\/575619"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/537736"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=100003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=100003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=100003"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=100003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}