Apply for a business account with an overdraft
Starting at £0 monthly. Business bank accounts that are easy to use and fully regulated.
Limited companies only. T&Cs apply.
Accounts made for self starters
Business overdrafts available on application for limited companies.
Business Go
£0/month
Simple and secure banking that gets the job done.
Apply in minutes and bank in-app or online once approved
Pay in cash at any of the UK’s 11,500 Post Offices
Sending money: 3 free payments & transfers a month (35p after)
Business Extra
£9/month
Smart banking built for payments.
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
The best of everything to help your business boom.
Up to 1% cashback on card spend. Limits apply, see 'Show all fees' for details
Sending money: 500 free payments & transfers a month
0.5% interest earning savings pot (Limits apply. See 'Show all fees' for details)
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 three 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.
Try our overdraft calculator
See how much an overdraft would cost, barring any annual fees. Use it to compare the cost of an overdraft with other ways of borrowing to see which is best for your business.
Summary of charges
Borrowing £250 for 28 days at 70% interest* will cost you
£0.00
in interest
*% - daily interest rate
Representative APR 0.0% (variable)
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.
This is smarter, simpler business banking
Off to a flying start
Apply for your business account in minutes and start taking payments. Bank the way you want - in our easy to use app or online.
Human support when you need it
Our UK phone support team are small business specialists. They’re only ever a phone call away.
Security you can bank on
We're a fully regulated British bank, with FSCS protection up to £120,000 on eligible deposits. Your account also comes with built-in fraud protection, all day, every day.
Business banking with all the right moves
Our 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.
Pay in cash 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.
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.
Are you ready? Let's go
Get going quickly with simple sign up.
Share your company 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.
Tools that drive your business forward
Our business accounts make managing your money simpler. Every account comes with built-in features including:
We've already helped over 650,000 businesses get off the ground
Easy and simple to use. Easy to navigate.
Easy and simple to use. Loads of features to make your life easy. Uploading receipts is one of the best things associated with the account. Also the option to put money into separate pots.
P Dee
Good experience
From the account being setup to my card arriving. It was effectively easy. Very polite staff and excellent customer service. I would highly recommend this bank.
Giuseppe Delgiudice
Great, prompt customer service with live humans!
Zempler's prompt and sympathetic customer service with real live people who speak English well is a wonderfully refreshing change from the typical, frustrating interactions we've experienced with many other companies. Together with the bank's other great features, I highly recommend Zempler Bank.
Fatima
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.