Business bank accounts
Apply for an account with an overdraft
Starting at £0 monthly. Business bank accounts that are easy to use and fully regulated
See which business account fits
Business overdrafts available on application for limited companies (availability for sole traders coming soon)
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.
Want to know more about our business bank accounts?
Check out our product pages below for more information
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.
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
Google Pay can be used wherever you see these symbols:
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Your iPhone is your Zempler card.
Apple Pay is an easy, secure, and private way to use your Zempler card on all your Apple devices.
Easy to apply
If you’re looking to apply for an overdraft for your business, this will depend on how your company is structured.
- Limited company – If you’re a limited company and looking to open one of our business accounts, you can also apply for a business overdraft as part of that application. Otherwise, if your account has been open for at least three months, we’ll contact you when you become eligible.
- Sole trader – If you’re a sole trader and your account has been open for at least three months, we’ll contact you via email, SMS or a message in Online Banking/Bank app when you become eligible.
Before you apply, you can work out how much it will cost using our overdraft calculator.
Personal banking made simpler
Freedom
£0 monthly
Bank in-app or online
FSCS protection up to £120,000 on eligible deposits
24/7 built-in fraud monitoring
UK telephone support from real humans
Sending money: 3 free payments & transfers a month (99p after)
Card fee
£9.95
Receiving money (payments & transfers)
Free & unlimited
Sending money (payments & transfers)
3 free a month (99p after)
Cash withdrawals
£1 (UK), £3 (non-UK)
Pay in cash at any UK Post Office
£4 minimum fee (or 0.6% of the total amount paid in)
Activeplus
£5.95 monthly
Everything you get with Freedom plus:
Sending money: 9 free payments a month (99p after)
Opt-in to Creditbuilder at no extra cost and you could improve your credit score
Card fee
£5.95
Receiving money (payments & transfers)
Free & unlimited
Sending money (payments & transfers)
9 free a month (99p after)
Cash withdrawals
Free (UK), Free (non-UK)
Pay in cash at any UK Post Office
£4 minimum fee (or 0.6% of the total amount paid in)
Please note that we don't pay interest on our personal current accounts.
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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.
Accept contactless card payments in the Zempler app
Looking for a simple way to take payments without needing extra hardware? We've partnered with Stripe, a global payments provider, to help Zempler business customers accept contactless payments straight from the Zempler app.
With Tap to Pay, your smartphone becomes your payment terminal. Customers can pay quickly and easily using their contactless cards or mobile wallets like Apple Pay and Google Pay - no card reader required.
Save smarter with Pro
Set money aside for the things that matter to your business and earn 0.5% interest while you do it.
Whether you're saving for tax, your next hire, or a rainy day, the Pro savings pot helps keep your money organised while making your spare cash work a little harder.
And whenever you need your money, it's there.