Is Cashplus (Zempler Bank) right for me?
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 (Zempler Bank) could suit a small business that takes cash and wants to pay it in at the Post Office, with phone support and a free starting plan. Count your monthly transfers first.
Cashplus (Zempler Bank) at a glance
| Question | What we found |
|---|---|
| Monthly fee? | £0 / £9 / £19 |
| Free payments out? | 3 / 20 / 500 |
| Cash deposits? | Post Office, £4 minimum or 0.55% |
| Fees abroad? | 2.99% on Go; none on Extra and Pro |
| FSCS? | Yes, eligible deposits |
Figures as of 4 October 2026, taken from the provider’s own website. Rates and fees can change. This is general information, not a recommendation.
Who it’s for
- You take cash
- You make three or fewer payments out a month, or will pay for a plan
- You want an overdraft decision quickly
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You spend abroad on the free plan
- You make many transfers but want to pay nothing
Full explanation
If you make 20 payments a month, Go would cost £5.95 in payment fees (17 × 35p), less than Extra’s £9 — but Extra adds other features.
The catch
Cashback has limits; cash deposits cost at least £4.
Read the full Cashplus page or check Zempler’s site.
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
Which Cashplus plan is cheapest for me?
Add up payments out, cash deposits and card spend abroad for a typical month and compare the three plans.
Is Zempler a bank?
Zempler Bank says eligible deposits are FSCS protected.
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