Wise Business vs Cashplus (Zempler) compared
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
They do different jobs. Wise Business (50 GBP set-up, then pay per use) is built for paying and getting paid in other currencies; Zempler’s Business Go (£0 a month) is a UK account with Post Office cash deposits and FSCS protection.
Many businesses use both: a UK account for day-to-day banking and Wise for international payments.
Wise Business vs Cashplus compared
| Feature | Wise Business | Cashplus (Zempler) Business Go |
|---|---|---|
| Set-up / monthly | 50 GBP one-off | £0 a month |
| International | From 0.24% conversions, many currencies | 2.99% on card spend abroad (Go) |
| Cash deposits | No | Post Office, £4 minimum or 0.55% |
| Protection | Safeguarded (not FSCS) | FSCS on eligible deposits |
| Overdraft | No | Yes, subject to eligibility |
Figures as of 4 October 2026, taken from the provider’s own website. Rates and fees can change.
Who each suits
- Wise Business: international payments
- Cashplus: UK micro-businesses handling cash
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You need FSCS protection on Wise balances — it’s safeguarded instead
Full explanation
If you rarely deal in other currencies, Wise Business’s strengths may not matter to you.
The catch
Zempler’s Go plan charges 2.99% on card spend abroad.
Check each provider’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
Can I use Wise Business as my only business account?
Some do, but it has no cash deposits, overdraft or FSCS deposit protection.
Is Zempler good for international payments?
It offers international payments, but Go charges 2.99% on card spend abroad.
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