Choosing the right business bank matters. If you run a small business or freelance full-time, you want an account that’s easy to open, simple to use and doesn’t cost you more in fees than it saves you in time.
For many UK small businesses, this means considering digital banking options rather than traditional high-street banks.
Zempler Business Go is a free digital business current account offered by British challenger bank Zempler.
It’s designed to help sole traders, freelancers, and small businesses manage everyday banking on your phone or online, with no monthly charges.
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.
Open a free Zempler Business Go account here
Business banking basics
Do you need a separate business account?
If you operate a limited company, you must use a business bank account in the company’s name.
For sole traders, there’s no legal requirement, but a dedicated account makes tax admin and bookkeeping far simpler. It also keeps business and personal funds clearly separate, which you’ll appreciate at tax time.
What matters when choosing a business bank account
- Monthly cost and transaction charges
- Ease of application and online access
- How many payments you send and receive each month
- Whether you need cash deposit or ATM access
- Accounting software integrations and tools
What is Zempler Business Go?
Zempler Business Go is a free business current account with no monthly fee. It offers online and mobile banking, a business Mastercard debit card, and basic tools for managing payments and finances.
Because Zempler is a fully regulated British bank, eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000.
How much does Business Go cost?
While there is no monthly charge for Business Go, additional fees apply to cash and certain other transactions.
| Activity | Allowance / Cost |
|---|---|
| Sending money | 3 free per month, then 35p each |
| Receiving money | Free and unlimited |
| Cash withdrawals (UK ATM) | £2 per withdrawal |
| Cash withdrawals (abroad) | £3 per withdrawal |
| Cash at Post Office | £4 minimum fee or 0.55% of total |
The free sending allowance and simple fee structure make Business Go a good fit if you don’t make many outgoing payments each month.
Key features
- Fast setup: Apply online or in the app and get going in minutes.
- FSCS protection: Eligible deposits are protected up to £120,000.
- Telephone support: UK customer support team by phone.
- Cashflow and business tools: In-app tracking, notifications and simple finance tools.
- Accounting integrations: Connect with popular software such as Xero, QuickBooks and Sage.
- Post Office banking: Deposit cash in person at UK Post Offices (fees apply).
Other Zempler business plans
Zempler also offers paid plans with higher allowances and additional perks:
- Business Extra (£9/month): More free outgoing payments each month and cashback on card spend.
- Business Pro (£19/month): Even higher free payment allowance, stronger perks and a savings pot option.
Some possible drawbacks
- If you make many outgoing payments each month, the 3-free allowance may not be enough.
- Cash withdrawal and deposit fees can add up if used frequently.
- Like most digital accounts, it doesn’t offer traditional branch access.
Who is this account best for?
Business Go suits sole traders, freelancers and small businesses that mostly trade online and have lighter monthly banking needs.
If you make frequent payments or handle cash often, one of the paid plans or a different provider may be a better fit.
Verdict
Zempler Business Go provides a genuinely free business bank account with straightforward pricing and a clean digital experience.
It’s not the most feature-rich offering, but for many smaller businesses it delivers the essentials without monthly charges.
Consider how many outgoing payments you make before relying solely on the free plan, as additional costs can add up.
Open a free Zempler Business Go account here
If you’d like to compare this with two other popular options, read our Tide and ANNA Money reviews.
