Business bank accounts
Business accounts made simpler
Starting at £0 monthly. Business bank accounts for the crafters, grafters and self starters
7,650+ 5 star reviews on Trustpilot
7,650+ 5 star reviews on Trustpilot
See which business account fits
Business Go
£0 monthly
The free business bank account for grafters and self-starters.
FSCS protection up to £85,000 on eligible deposits
Apply in minutes and bank in-app or online once approved
UK telephone customer support from real humans
24/7 account fraud protection
Pay in cash at any of the UK’s 11,500 Post Offices
Tools like cashflow tracking and integrated accounting
Sending money: 3 free payments & transfers a month (35p after)
Receiving money: Free & unlimited
Overdraft with instant decision (eligibility criteria apply)
Business Go card
Free
Cash withdrawals
£2 (UK) £3 (Non-UK)
Receiving money (payments & transfers)
Free & unlimited
Sending money (payments & transfers)
3 free a month (35p after)
Card spend abroad
2.99% non-sterling transaction fee
Pay in cash at any UK Post Office
£4 minimum fee (or 0.55% fee of the total amount paid in)
Business Extra
£9 monthly
Smart banking built for payments.
Everything you get with Business Go, plus:
Up to 0.5% cashback on card spend. Limits apply, see 'Show all fees' for details
Sending money: 20 free payments & transfers a month
In-app messaging support
Business Extra card
Free
Cash withdrawals
Free in the UK and abroad
Receiving money (payments & transfers)
Free & unlimited
Sending money (payments & transfers)
20 free a month (35p after)
Card spend abroad
Fee-free. We’ll never charge you for card spend abroad
Pay in cash at any UK Post Office
£4 minimum fee (or 0.55% fee of the total amount paid in)
Business Pro
£19 monthly
The best of everything to help your business boom.
Everything you get with Business Go, plus:
Up to 1% cashback on card spend. Limits apply, see 'Show all fees' for details
Sending money: 500 free payments & transfers a month
0.75% interest earning savings pot (Limits apply. See 'Show all fees' for details)
Dedicated Pro support team and in-app messaging
Business Pro card
Free
Cash withdrawals
Free in the UK and abroad
Receiving money (payments & transfers)
Free & unlimited
Sending money (payments & transfers)
500 free a month (35p after)
Card spend abroad
Fee-free. We'll never charge you for card spend abroad.
Pay in cash at any UK Post Office
£4 minimum fee (or 0.55% fee of the total amount paid in)
Please note that our instant decision business overdraft isn't currently available for sole traders but will be soon.
Get more with Zempler Bank Accounts
Customise your business account with useful add-ons and features, available if you need them.
Give your cashflow more flexibility and ease the burden of unexpected expenses.
Take your business international with local currency cash cards.
Build your business credit score at no extra cost - available with our Business Extra account.
Send and receive international payments
Want to know more about our business bank accounts?
Check out our product pages below.
The free business bank account for grafters and self-starters.
Smart business banking built for payments.
The best of everything to help your business boom.
We've already helped over 650,000 businesses get off the ground
Priceless Business Banking
You ring up Zempler Bank, expecting to navigate the usual automated maze. But blimey, a real person answers! Not only do they help you sort your banking woes, but also have a laugh with you. In an age where chatbots and hold music reign supreme, Zempler Bank's personal touch is like finding a fiver in your old coat pocket. It's this genuine service that keeps me a loyal business banking customer. Cheers to Zempler for keeping it real and making banking a breeze.
Sara
Simple and quick process
Opening an account online was a simple and quick process. The mobile app works well and easy to use and gives you the flexibility to access your account via a desktop as well.
Steve
This is one of the best online banks
This is one of the best online banks. So easy to use the online app and also my PC when I need things to look a little bigger! The fees are very straight forward and it is easy to maintain.
Jane
Business banking with all the right moves
Our business bank accounts make managing your money simpler. Every account comes with:
Fast sign up – apply in minutes online and start taking payments once approved.
In-app and online banking.
Instant payment notifications.
Send & receive international payments.
24/7 fraud monitoring, plus instant card freeze.
UK telephone support from real humans.
Cash deposits at any of the UK’s 11,500 Post Offices.
Tools that take the effort out of money admin like cashflow tracking and integrated accounting.
Tools that drive your business forward
Our business accounts make managing your money simpler. Every account comes with built-in features including:
What makes our business accounts different
Pots
Transfer money into a pot to save for surprise expenses, business taxes or to reach future goals. Keep your business account organised: move your money in and out whenever you want easily and instantly.
Pay in cash at any of the UK's 11,500 Post Offices
We want to make it as easy as possible to top up your Zempler business account, that's why we've partnered with the Post Office so that you can pay in cash at any of the UK's 11,500 Post offices.
UK telephone customer support from real humans
To make sure we can support you every step of the way, we've got our customer service team on hand to answer your call through the week.
Independent service quality survey results
Business current accounts
Published August 2025
As part of a regulatory requirement, an independent survey was conducted to ask approximately 1200 customers of each of the 17 largest business current account providers if they would recommend their provider to other small and medium-sized enterprises (SMEs). The results represent the view of customers who took part in the survey.
View the full set of results.
The requirement to publish the Financial Conduct Authority Service Quality Information for business current accounts can be found here.
Fully regulated British bank
Zempler Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Your eligible deposits with Zempler Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS).
Overdraft with instant decision
You can apply for a business overdraft when you open a business bank account, or, if you're already a business bank account holder, you can check to see if you've been invited to apply via the Bank App or Online Banking.
Your overdraft is designed to work exactly when you need it - bridging gaps between invoices, covering unexpected expenses, or helping you seize time-sensitive opportunities.
Please note, sole traders are currently unable to apply for a business overdraft at the same time as they open an account.
However, if your account has been open for at least 3 months, we'll contact you via SMS, or a message in Online Banking/Bank app when you become eligible to apply for one. Eligibility criteria apply.
Need help?
Call us
No issue is too big or too small. Our UK telephone support team are ready to get you back on track when you need it. You can also get quick answers to your questions in our Help Centre.
Articles to help support your small business
Your questions, answered
The Business Go account is a great choice for sole traders who are just starting out. With no monthly fee, it offers a cost-effective way to manage business finances while still providing essential features like free card purchases and basic banking tools.
If you're looking for an account that will offer a larger volume of free inbound & outbound payments, as well as access to a business Creditbuilder, then Business Extra may be more suitable.
There are some fees attached to our Zempler Bank accounts. You can find a full breakdown on our pricing page.
Yes! All our Zempler Bank accounts are able to be opened online using our simple and easy application that can take just a few minutes.
There are several advantages as to why you should choose a limited company bank account with Zempler Bank over another limited company bank account provider:
- Fast, Hassle-Free Setup - If you're looking to set up your new bank account fast, you can open one with Zempler in just a few minutes
- UK-Based Customer Support - Real human support with the Zempler customer service team
- Fully Regulated & FSCS Protected - Zempler is a fully regulated UK bank, meaning your funds are FSCS protected up to £85,000 on eligible deposits
- Simple, effective banking tools - Features like digital receipt capture, invoice generator, spending insights and a Making Tax Digital tool are included
- Built in accounting integration - Zempler integrates seamlessly with Xero, QuickBooks, Sage, and FreeAgent, making bookkeeping and tax prep much easier
Yes, it is! All our Zempler Bank account funds are protected up to a total of £85,000 of eligible deposits by the Financial Services Compensation Scheme (FSCS).
Business Go has no monthly fee or annual fee. There are fees associated with use of the account. Check our full fees here.
All applicants must be over 18, a UK resident and your business must be based in the UK. We accept applications from limited companies, sole traders, charities, and partnerships. Although we accept applications from most businesses, there are some industries and larger company set-ups we cannot accept. Check if you’re eligible here.
To be accepted for a Zempler Bank business account we will need to verify that you're a UK resident and your business is registered in the UK.
We currently don’t allow our customers to deposit cash into their account with a cheque. To see all the ways that you can deposit, check our payments page.
Yes. We received our banking licence in 2021. Zempler is a fully regulated British bank, so your money is protected by the Financial Services Compensation Scheme (FSCS) up to £85,000. on eligible deposits.
My question isn’t answered
For all our most frequently asked questions and how to contact our UK telephone support team.
Check our Help Centre