The business bank account built for hospitality
Fully regulated business banking from £0/month, with overdrafts up to £10,000
Business accounts made for Hospitality
Built to support restaurants, cafes, pubs and more
Business Go: £0/month
The free account with low cost cash deposits
FSCS protection up to £120,000 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
Business Extra: £9/month
Up to 0.5% cashback and send 20 free payments & transfers
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 Pro: £19/month
Up to 1% cashback and access to an interest earning savings pot
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 and 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
Who is Zempler Bank for?
Cafes
From early starts to busy rushes, Zempler gives cafes simple, reliable banking with smart tools and no unnecessary complexity.
Pubs & Restaurants
Zempler supports pubs and restaurants with straightforward banking, fast setup and built-in tools that help keep cashflow running smoothly.
Food trucks
Perfect for food trucks, the Zempler Business Account helps you track takings in real time, manage cash flow on the move and cut down on admin between services.
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
Stay in control with practical tools built for hospitality businesses
Our accounts offer a range of features, with availability depending on the account type you choose.
Why our business accounts work for hospitality businesses like yours
Pots
For an industry where cash flow and flexibility help drive success, our pots give hospitality teams financial control without any complicated admin. 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
Whether it be payments or tips for excellent customer service, we want to make it as easy as possible to pay cash into your Zempler business account, that's why we've partnered with the Post Office so that you can at any of the UK's 11,500 Post offices.
UK telephone customer support from real humans
In hospitality, things move fast, and when you need help, you need it from someone who understands the pressure of keeping service running smoothly. That's why our UK-based customer service team is ready to take your call throughout the week.
Are you ready? Let's go
Get going quickly with simple sign up.
Share your business details
Check if you're eligibleTell us a bit about the kind of work you do and where you’re based.
Get going in minutes
Once approved, get your account details straight away. You’ll get your new card in 3 to 5 working days.
Start using your account
Online, in-app, Zempler Bank is ready when you are, day and night. Nice doing business banking with you.
Security you can bank on
We're fully regulated
We’re a fully regulated British bank so your money is protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 on eligible deposits.
Instant card freeze and unfreeze
If something doesn’t look right or you lose your card, freeze it instantly online or in-app. Found your card? Unfreeze it just as easily.
24/7 fraud protection
Fraudsters don’t work 9 to 5, and neither do we. From the moment you open your account, we’ll apply the latest security tech to keep it safe.
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.
Independent service quality survey results
Business current accounts
Published February 2026
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.
Your questions, answered
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 business account we will need to verify that your business is registered in the UK.
We don’t currently 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 £120,000 on eligible deposits.
My question isn’t answered
For all our most frequently asked questions and how to contact our UK based support team.
Check our online Help Centre