Cashplus (Zempler Bank) business accounts: fees and catches
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
Quick answer
Cashplus now trades as Zempler Bank. Its Business Go account costs £0 a month, Business Extra £9 and Business Pro £19, as of 4 October 2026. All let you pay in cash at Post Offices (minimum £4 or 0.55%).
Business Go includes three free payments out a month, then 35p each, and charges 2.99% on card spending abroad. Extra and Pro add more free payments, cashback on card spend and no fees abroad.
Who it’s for
- Micro-businesses, sole traders and trades that take cash
- Businesses that want UK phone support from people
- Businesses with thin credit files — Zempler offers Business Creditbuilder with Extra
Who should avoid it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You make lots of transfers on the free plan — 35p each after three a month
- You spend abroad on Business Go — 2.99% fee
- You want a long free period with full features
Key features
- Three plans: Go £0, Extra £9, Pro £19 a month
- Free, unlimited incoming payments
- Cash deposits at around 11,500 Post Offices
- Overdraft with an instant decision (eligibility applies)
- Integrated accounting, invoicing and cashflow tools
- FSCS protection on eligible deposits up to £120,000
Eligibility
- UK businesses including sole traders and limited companies
- Apply online in minutes; check Zempler’s eligibility page for full criteria
Plans and fees
| Item | Business Go | Business Extra | Business Pro |
|---|---|---|---|
| Monthly fee | £0 | £9 | £19 |
| Free payments out | 3 a month, then 35p | 20 a month, then 35p | 500 a month, then 35p |
| Card spend abroad | 2.99% | No fee | No fee |
| Cash withdrawals | £2 UK / £3 abroad | Free | Free |
| Cashback on card spend | None | Up to 0.5% (limits) | Up to 1% (limits) |
| Post Office cash deposit | £4 minimum or 0.55% | £4 minimum or 0.55% | £4 minimum or 0.55% |
Figures as of 4 October 2026, taken from the provider’s own website. Rates and fees can change.
The catch
Cashback on Extra (up to 0.5%) and Pro (up to 1%) has limits. Check the full fee list before relying on it.
Cash withdrawals cost £2 in the UK and £3 abroad on Business Go.
Check Zempler Bank’s current fees.
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
Is Cashplus now Zempler Bank?
Yes. Cashplus business accounts are now offered under the Zempler Bank name.
Is the Cashplus business account free?
Business Go has no monthly fee, but charges for payments out after three a month, cash withdrawals and spending abroad.
How much does it cost to pay in cash?
£4 minimum or 0.55% of the amount, at any UK Post Office.
Is my money protected?
Zempler says eligible deposits are FSCS protected up to £120,000.
What does Business Extra add?
20 free payments a month, up to 0.5% cashback on card spend, no fees abroad, free cash withdrawals and Business Creditbuilder.
What does Business Pro add?
500 free payments a month, up to 1% cashback, a 0.5% interest savings pot and a dedicated support team.
Does Cashplus offer an overdraft?
Yes, with an instant decision, subject to eligibility.
Can I speak to someone by phone?
Zempler highlights UK telephone support.
Does it charge to receive payments?
No, incoming payments and transfers are free and unlimited.
Does Cashplus offer personal accounts?
Zempler also lists personal current accounts and Creditbuilder, but this page covers business accounts.
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