Is Zempler Bank (formerly Cashplus) or HSBC Kinetic better for your small business?
Below we look at both Zempler Bank (formerly Cashplus) and HSBC Kinetic reviews on Trustpilot along with their App reviews from Apple and Google.
We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.
Zempler Bank (formerly Cashplus) vs HSBC Kinetic Trustpilot Reviews
| Zempler Bank (formerly Cashplus) | HSBC Kinetic | |
| Trustpilot Review Score (out of 5) | 3.7 | 1.9 |
| Percent 5-Star Reviews | 54% | 0% |
| Percent 1- Star Reviews | 30% | 100% |
| Total Number of Reviews | 9,921 | 13 |
https://www.trustpilot.com/review/www.cashplus.com
https://www.trustpilot.com/review/hsbckinetic.co.uk
Zempler Bank (formerly Cashplus) vs HSBC Kinetic App Reviews
| Zempler Bank (formerly Cashplus) | HSBC Kinetic | |
| iPhone Review Score (out of 5) | 4.7 | 4.8 |
| Number of iPhone Reviews | 48,000 | 15,000 |
| Android Review Score (out of 5) | 4.5 | 4.7 |
| Number of Android Reviews | 23,400 | 4,000 |
https://apps.apple.com/gb/app/cashplus-bank/id709473017
https://apps.apple.com/gb/app/hsbc-kinetic/id1457310350
Zempler Bank (formerly Cashplus) vs HSBC Kinetic Account Fees & Charges
| Zempler Bank (formerly Cashplus) | HSBC Kinetic | |
| Free Business Bank Account | Yes | Yes |
| Free Business Account Term Length | No Limit | 12 Months |
| Cheapest Monthly Account Fee | No | £6.50 |
| Most Expensive Monthly Account Fee | £9 | £6.50 |
| Electronic Payment Cost (in/out) | Free / 30p | Free |
| Cash Payments Cost (in/out) | 0.5% / £2 | 1.10% |
| Cheques (in/out) | Unknown | 50p per cheque |
| CHAPS Payments Cost | £20 | £17 |
| SEPA Payments Cost | £15 | 24p |
Zempler Bank (formerly Cashplus) vs HSBC Kinetic Business Savings Rates
| Zempler Bank (formerly Cashplus) | HSBC Kinetic | |
| Types of Business Savings Accounts | None | Instant access, 30+ day, 60+ day |
| Lowest Savings Rate (AER) | NA | 1.94% |
| Maximum Savings Rate (AER) | NA | 2.02% |
| Minimum Savings Amount | NA | No |
| Interest Paid On Foreign Currencies | No | Yes |
Zempler Bank (formerly Cashplus) vs HSBC Kinetic Account Opening Times
| Zempler Bank (formerly Cashplus) | HSBC Kinetic | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 day | 48 hours |
| Do They Check Your Credit? | No | Yes |
| Current Account Switch Service | No | Yes |
Zempler Bank (formerly Cashplus) vs HSBC Kinetic Features & Account Types
| Zempler Bank (formerly Cashplus) | HSBC Kinetic | |
| Business Current Account | Yes | Yes |
| Business Savings Account | No | Yes |
| Business Credit Card | Yes | Yes |
| Business Overdraft | Yes | Yes |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | No |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | No |
| Card Type | Mastercard | Visa |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In Person/Branch Banking | No | No |
| Branch Locations | None, online only | Can use HSBC branches for some services |
Zempler Bank (formerly Cashplus) vs HSBC Kinetic Customer Support Options
| Zempler Bank (formerly Cashplus) | HSBC Kinetic | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | Yes |
| Web Based Support | Yes | Yes |
| In person Customer Support | No | No |
Zempler Bank (formerly Cashplus) vs HSBC Kinetic Foreign Currency Accounts
| Zempler Bank (formerly Cashplus) | HSBC Kinetic | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: | No |
|
Other Business Services From Zempler Bank (formerly Cashplus) and HSBC Kinetic
| Zempler Bank (formerly Cashplus) | HSBC Kinetic | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | No | No |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | No | No |
| Free Accounting Software | No | No |
Zempler Bank (formerly Cashplus) vs HSBC Kinetic Banking Basics
| Zempler Bank (formerly Cashplus) | HSBC Kinetic | |
| Bank Type | Challenger | High Street/Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 671140 | 765112 |
| Website | Zempler Bank (formerly Cashplus) Website | HSBC Kinetic Website |
Common Comparison Questions
Does Zempler Bank (formerly Cashplus) or HSBC Kinetic have better customer reviews?
Zempler Bank (formerly Cashplus) scores 3.7 out of 5 based 9,921 Trustpilot reviews. Of these reviews 54% are 5-star and 30% are 1-star.
Whereas, HSBC Kinetic scores 1.9 out of 5 based 13 Trustpilot reviews. Of which 0% are 5-star and 100% are 1-star.
Does Zempler Bank (formerly Cashplus) or HSBC Kinetic have a better App?
Zempler Bank (formerly Cashplus) ‘s iPhone App is rated 4.7 out of 5 based on 48,000 reviews. And it’s Android App is rated 4.5 out of 5 based on 23,400 reviews.
In comparison, HSBC Kinetic’s iPhone App is rated 4.8 out of 5 based on 15,000 reviews. And it’s Android App is rated 4.7 out of 5 based on 4,000 reviews.
Does Zempler Bank (formerly Cashplus) or HSBC Kinetic have better business savings rates?
Zempler Bank (formerly Cashplus) offers the following types of business savings accounts: None with interest rates ranging from NA to NA. (AER)
In contrast, HSBC Kinetic offers Instant access, 30+ day, 60+ day accounts with interest rates ranging from 1.94% to 2.02% (AER).
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For other business bank accounts see our guide here.