The Zempler Business Go bank account is an innovative, 24/7 online banking current account.
It is designed with ease of use in mind, and the simple application process makes it fast and easy to sign up.
It is a different option for small businesses looking to move away from the bigger high street banks.
Zempler has more than 1.6 million customers in the UK, already establishing a substantial business presence in the UK.
In this article, we examine the Zempler business bank account in more detail, including its pros and cons and our review.
For more banking ideas, see our self-employed banking guides, including can you use a personal bank account for business and our overview of the FSCS and business accounts.
Apply for a Free Business Go Account
What is the Zempler Business Go bank account?
The Zempler business bank account is a type of online banking for businesses.
Unlike traditional banking, there is no need to visit a brick-and-mortar branch. Instead, you can access your account through an application on your online device, which is available 24/7.
It provides you with a standard debit Mastercard, allowing you to perform your banking transactions as usual.
It also features a UK-based customer service team to address any queries you may have about your account.
Your business can add up to 20 additional cards to the account, allowing colleagues and staff members to access business funds as needed.
Other practical aspects include Faster Payments, the ability to use the Post Office for transactions, and integrations with popular accounting software such as Xero, QuickBooks and FreeAgent. You can also connect other bank accounts via Open Banking.
Zempler is a fully regulated British bank, so the Financial Services Compensation Scheme protects eligible deposits up to £120,000.
Zempler Business Go – are there any transaction fees?
The Business Go account is free.
Certain transactions, such as those at the Post Office and ATM cash withdrawals, incur pay-as-you-use fees.
There is a small monthly allowance for payments, and then a per-transaction charge applies.
| Transaction type | Allowance | Typical cost after allowance | Notes |
|---|---|---|---|
| UK transfers and payments | 3 free per month | About 30p each | Good for light monthly activity |
| ATM cash withdrawals (UK) | No free allowance | Fixed fee per withdrawal | Consider card spend where possible |
| Cash deposits at Post Office | No free allowance | Percentage fee with a minimum charge | Frequent cash handling will add up |
UK transfers and payments
Allowance: 3 free per month
Typical cost: about 30p each after the allowance
Note: good for light monthly activity
ATM cash withdrawals (UK)
Allowance: none
Typical cost: fixed fee per withdrawal
Note: prefer card spend where possible
Cash deposits at Post Office
Allowance: none
Typical cost: percentage fee with a minimum charge
Note: frequent cash handling will add up
Account features of the Business Go bank account
One of the most significant benefits of the Zempler business bank account is its comprehensive list of features that make business banking easier. Here are some of its standout features:
| Feature | What it means for your business |
|---|---|
| Instant account number and sort code | Make and receive payments as soon as you are approved |
| Integration with accounting software | Connect Xero, QuickBooks and FreeAgent to streamline bookkeeping |
| Open Banking connections | Link other business accounts for a single overview |
| Mastercard debit card | Widely accepted contactless card for everyday spending |
| Additional cards | Issue up to 20 extra cards for colleagues and manage limits centrally |
| Fast online banking | Pay bills, send staff salaries, and pay contractors without branch visits |
| A central hub for financial management | Manage employee and expense cards from a single dashboard |
| Seamless digital access | 24/7 access to balances, statements and payments in app or browser |
| Fraud monitoring and FSCS protection | 24/7 monitoring and eligible deposit cover up to £85,000 |
Instant account details
Benefit: start sending and receiving money straight away
Accounting integrations
Benefit: connect Xero, QuickBooks and FreeAgent
Open Banking
Benefit: link other business accounts for a full view
Additional cards
Benefit: up to 20 extra cards for staff
Fraud and FSCS
Benefit: 24/7 monitoring and deposit protection
Other Zempler business plans
Zempler has three business tiers: Go, Extra and Pro. Go is the free entry-level option.
Extra and Pro add higher free allowances and perks, which can work out better value if you make many outgoing payments each month or spend abroad.
| Plan | Monthly fee | Free UK transfers | Card spend abroad | ATM withdrawals | Cashback |
|---|---|---|---|---|---|
| Go | £0 | 3 free per month, then pay-as-you-go | Non-sterling fee applies | Pay-as-you-go | None |
| Extra | £9 | Higher free allowance | Usually fee-free on eligible non-sterling spend | More inclusive terms | Cashback on eligible spend |
| Pro | £19 | Much higher free allowance | Usually fee-free on eligible non-sterling spend | Most inclusive | Higher cashback cap |
Go
Fee: £0
Allowance: 3 free UK transfers monthly
Best for: light activity
Extra
Fee: £9
Allowance: higher free transfers
Best for: moderate monthly payments
Pro
Fee: £19
Allowance: much higher free transfers
Best for: heavy monthly payments and higher limits
Some possible drawbacks
To be objective and to help you decide whether or not the Zempler business bank account is suitable for you, here are a few drawbacks, which may or may not influence your decision.
| Drawback | Why it matters |
|---|---|
| No way to use cheques | Not an issue for many sole traders, but some customers still pay this way |
| Money can only be transferred inside the UK | No international payments on Go |
| Lack of a 24/7 customer support line | Support hours are UK-based, not round-the-clock |
| No way of contacting Zempler via mail | Digital-first service with limited offline options |
| There are no physical branches | Everything is managed online or via the Post Office for cash |
| Pay-as-you-go fees can add up | Frequent payments, cash deposits or withdrawals increase costs |
No cheques
Impact: inconvenient if clients insist on cheques
UK only payments
Impact: no international payments on Go
Support hours
Impact: not a 24/7 phone line
No branches
Impact: digital first, Post Office for cash
Usage fees
Impact: heavy activity can be costly
Which small businesses is this account aimed at?
Business Go suits freelancers and small businesses that mainly trade online, make a modest number of outgoing payments, and are comfortable managing everything in the app.
If you frequently pay suppliers or handle cash, or need higher limits, consider the Extra or Pro plans, or compare them with other providers in our banking guides.
Verdict
Zempler Business Go is a strong free option for freelancers and smaller businesses with lighter banking needs. It gives you the essentials without monthly charges, making it easy to get started.
Before applying, think about how many payments and withdrawals you make each month.
If your transaction volume increases over time, one of the paid tiers may be a better value.
Open a Zempler Business Go account here