Zempler Cashback

Zempler Bank is a UK bank that offers personal current accounts, business current accounts, a credit card and a Euro travel currency card. If you have arrived here looking for a Zempler cashback current account, the first thing to know is that cashback is a feature of the Zempler business credit card, not of the personal current accounts. Cashback is paid automatically to the credit card each month and appears as a credit transaction on your monthly statement¹.

The second thing to know is that Zempler's personal current accounts are temporarily closed to new applications². Existing customers can keep using their accounts, and business accounts remain open to applications. Anyone searching for a Zempler cashback plan today is most likely looking at the business credit card, or at a personal account they already hold.

This page sets out what Zempler offers, how its charges work, who can apply, how to bank with it, and what happens if something goes wrong. Zempler's own site carries today's figures for fees, limits and cashback rates.

What Zempler offers personal and business customers

Zempler runs two sides of the business. On the personal side there is a current account with add-ons, a credit card, a Creditbuilder product and a Euro travel currency card. On the business side there are current accounts with credit add-ons including overdrafts and credit cards⁵.

The personal current account is built around add-ons rather than a single bundled package. Zempler describes it as something you customise with useful add-ons and features, available if you need them². Those add-ons include international payments, overdrafts and the travel currency card².

The credit card is accepted at 26 million locations around the world⁶. It comes with a monthly statement through the app and Online Banking unless you have asked for it by post, plus an annual statement once a year in the month the account was opened. Automatic payments can be set for the whole statement balance, the minimum payment, or a set amount³.

The Creditbuilder product is a separate arrangement aimed at building a credit history. It requires 12 monthly payments of £5.95, and Zempler states that you must be able to afford to make all of them on time, because missing a payment can harm your credit score⁷. While Creditbuilder is active you cannot change your Zempler account, and you must close it by paying it off in full⁸.

International payments are handled through a partnership with Wise Platform, and the service is available to both business and personal account holders⁹. Any international payment received into your account is converted to GBP⁹.

Add-ons: overdrafts, international payments and travel currency

The overdraft is attached to your current account and Zempler describes it as a temporary safety net if you run low on funds¹². On the personal side it is offered as an add-on to eligible customers, and Zempler says it can help build your credit score⁵. Business customers have a wider set of credit add-ons, including overdrafts and credit cards⁵.

The Euro travel currency card works alongside your main account. You must have received and activated your Zempler Bank account card before you can order one, and you order it in the app or in Online Banking¹¹. You top it up by transferring money onto the card in the app or in Online Banking, and you can see transactions and balances in real time¹¹. Zempler says the card can be used to control employee expenses or to stick to a holiday budget¹¹.

On foreign transaction fees, Zempler states that adding a Euro travel currency card to its Activeplus account means spending abroad with no foreign transaction fees¹⁰. Cash withdrawals in euros cost €4 in the UK and are free abroad¹¹.

International payments run through Wise Platform. You cannot set up scheduled international payments, because exchange rates change constantly throughout the day¹³. Zempler says it plans to expand its international payment options to include additional currencies in the future¹³. No fees are charged by Zempler for returned payments, though the sender may receive less than they sent because of fees applied elsewhere⁹.

How Zempler's charges work

Zempler publishes terms and conditions and fee information sheets for each of its bank accounts, and those documents, rather than this page, carry the current figures⁵. What can be said here is how the charging structure is put together.

The Activeplus account charges nothing for receiving money, which is free and unlimited on both the standard and Freedom versions¹⁰. Sending money is free for three payments and transfers a month on Activeplus Freedom, with 99p charged after that¹⁰. Cash withdrawals are free in the UK and free outside the UK on Activeplus¹⁰.

On the credit card, interest is charged on the late payment fee if you do not pay it off within 30 days³. If you make only the minimum or a partial payment, you lose your interest free period and interest is charged from the date of purchase until the balance is repaid in full³. Cash advances have interest charged from the date of the transaction³. Zempler does not accept cheque, credit card or cash payments towards the card³.

Standing orders can be set up as a one off future payment, repeated until a date, repeated for a number of payments, or repeated until cancelled¹⁴. The bank does not pay interest on its personal current accounts, and states this on both its main personal account page and its Activeplus page².

Who can apply, and why personal accounts are closed to new applicants

Zempler's personal current accounts are temporarily closed to new applications². The same wording appears on the Activeplus page and on the switching help page, so it applies across the personal range rather than to one product¹⁰.

Business accounts are a different matter. Zempler offers business current accounts with credit add-ons, and sole traders using a personal account who need higher cash deposit limits are pointed towards a business account instead¹⁵.

For the credit card, applicants must be UK residents⁶. For the personal current account, applicants must be resident in the UK³. Credit cannot be requested during the application process, so there is no overdraft decision to make at that stage¹⁶.

There are some restrictions worth knowing about once you are a customer. Zempler will only ever restrict an account to protect its customers, or because of a legal obligation⁷. Personal accounts have annual cash deposit limits, and if you opened your account after 30 November 2022, your annual limit renews based on your account start date¹⁵.

The Creditbuilder product has its own condition: you cannot change your Zempler account while Creditbuilder is active, and you must close it by paying it off in full⁸.

Proving your identity and address when you apply

Most applications are verified electronically. If Zempler cannot verify your identity and address details during the application, it will request documents from you by personalised email before it can open the account³.

The documents Zempler accepts as proof of identity include:

• A passport from any country, which must be valid (UK passports do not need to be signed)
• A UK driving licence, provisional or full, with the front and back of the card
• An EU driving licence with both sides
• An EEA member state ID card
• A firearms certificate or shotgun licence with both sides
• A Northern Ireland electoral ID card
• A construction industry scheme card
• A military ID card¹⁸

A passport is accepted as proof of identity but not as proof of address, so a separate document is needed for the address check¹⁹.

Once you are up and running, adding a new payee in the app requires you to verify yourself, either by re-entering your password or by using biometrics²⁰. Confirmation of Payee checks apply to payments going out, whether by direct payment or standing order, and the receiving bank will need to confirm your name matches your Zempler account²¹. If you receive a payment that needs verifying, the document you provide must clearly show who paid you, what the payment is for, and the sender and recipient's sort code and account number¹⁵.

Banking with Zempler: app, Online Banking and the Post Office

Zempler is an app and online bank rather than a branch bank. The app is available on the iOS App Store and Google Play, and Online Banking lets you track spending and see statements on the go, use itemised billing to track expenses, and make payments²².

Payments can be made in the app or in Online Banking, and Online Banking supports both immediate payments and payments set up for the future²⁰. Faster Payments can be sent to any UK bank account²⁰.

Cash is handled through the Post Office. You can deposit cash over the counter at any UK Post Office branch¹⁵. Zempler does not allow customers to deposit cash into their account with a cheque¹⁰.

Card management is done in the app. You can change your PIN at an ATM cash machine²³. If your card is lost or stolen, Zempler will cancel it and re-issue a new one to arrive at your current address within three to five working days, and it says immediate action will be taken to protect the money in your card account²⁴. Replacement cards generally take 3 to 5 working days to arrive²³. Your card will be sent to your current address around 30 days before expiry²⁵.

If someone holding a Zempler account dies, the bank asks for the death certificate or coroner's certificate, proof of identity, a separate document proving home address, and the will if available with the executors' details and ID¹⁹.

Scams, fraud claims and making a complaint

Zempler has published its approach to authorised push payment scams, and it has updated section 12 of its terms and conditions to reflect customers' rights under the new reimbursement requirements².

If you think you have paid a scammer, Zempler's guidance is to call 0330 024 0924, or from abroad on +44 207 153 8940, as soon as you realise what has happened. Check your statements, contact Action Fraud on 0300 123 2040 or through their website, and obtain a crime reference number to give to the bank². Zempler states that all instances of fraud should be reported to the police with a crime reference number provided²⁶.

Claims are processed within 5 working days and, if approved, reimbursed within that time. Where extra information is needed, it can take up to 35 business days to resolve a claim²⁶. Zempler applies a levy to each claim, which is deducted from the refund, but customers with a vulnerability that has a material impact on their ability to protect themselves from a scam will not be required to pay it²⁶. The current levy amount is set out in Zempler's own terms and conditions and fee information⁵.

When assessing a claim, Zempler considers evidence of first-party fraud, your vulnerability, evidence of gross negligence, and whether the claim qualified under the reimbursement requirement²⁶. It may share relevant information such as personal or account details with the receiving firm, with your permission, and may share case details with the police after a claim is raised²⁶.

On reporting suspicious messages, Zempler asks customers to forward them to its cybersecurity experts without opening attachments or clicking links²⁸. It has warned about fake emails pretending to be from Zempler Bank about suspicious activity on a customer account, and says customers should not call the number in the email but use the contact us page instead²⁸. A common tactic in safe account scams is replicating the Caller ID of the organisation, so a call or text could appear to come from Zempler Bank. If you are ever unsure, hang up and call the bank back²⁹.

If a complaint is not resolved to your satisfaction, Zempler asks you to contact its complaints team in the first instance, and then the Financial Ombudsman Service²⁶. The ombudsman service is free to consumers. In the first quarter of 2026/27 it opened 77 complaints about money remittance³⁰.

How your money is protected

Zempler is authorised by the FCA under reference 671140, with a status effective date of 5 February 2016⁴. It appears on the Bank of England's list of banks incorporated in the UK authorised to accept deposits, as of 1 September 2026¹⁸. The company is active on the Companies House register, company number 04947027, incorporated on 29 October 2003³¹.

The FCA Register lists previous names including Cashplus Bank, Cashplus, Capital Recovery Solutions, APS Financial and Advanced Payment Solutions Limited⁴. That matters if you held a Cashplus account: it is the same bank and the same licence under a new name.

Because Zempler is a UK-authorised bank, deposits are covered by the Financial Services Compensation Scheme. The FSCS advises anyone who has been scammed to speak to their bank, building society or credit union, which can protect and reimburse victims of certain types of fraud, and to report it to Action Fraud³².

For payments, the reimbursement rules depend on the system used. You can ask for a refund under the FPS Reimbursement Rules if the payment was made using Faster Payments, or under the CHAPS Reimbursement Rules if it was made using CHAPS³³. The reimbursement requirement covers both Faster Payments and CHAPS³⁴.

If you are struggling with debt, including debt built up through fraud, free and impartial help is available from debt advice charities. Business Debtline publishes guidance on dealing with fraud in England and Wales and in Scotland³³.