Is Zempler Bank (formerly Cashplus) or United Trust Bank better for your small business?
Below we look at both Zempler Bank (formerly Cashplus) and United Trust Bank 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 United Trust Bank Trustpilot Reviews
| Zempler Bank (formerly Cashplus) | United Trust Bank | |
| Trustpilot Review Score (out of 5) | 3.7 | 4.6 |
| Percent 5-Star Reviews | 54% | 78% |
| Percent 1- Star Reviews | 30% | 3% |
| Total Number of Reviews | 9,921 | 1,372 |
https://www.trustpilot.com/review/www.cashplus.com
https://www.trustpilot.com/review/utbank.co.uk
Zempler Bank (formerly Cashplus) vs United Trust Bank App Reviews
| Zempler Bank (formerly Cashplus) | United Trust Bank | |
| iPhone Review Score (out of 5) | 4.7 | 5 |
| Number of iPhone Reviews | 48,000 | 5 |
| Android Review Score (out of 5) | 4.5 | No Rating |
| Number of Android Reviews | 23,400 | No Reviews |
https://apps.apple.com/gb/app/cashplus-bank/id709473017
https://apps.apple.com/us/app/united-trust-bank/id6444029400
Zempler Bank (formerly Cashplus) vs United Trust Bank Account Fees & Charges
| Zempler Bank (formerly Cashplus) | United Trust Bank | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | No Limit | NA |
| Cheapest Monthly Account Fee | No | £12.50 |
| Most Expensive Monthly Account Fee | £9 | £25 |
| Electronic Payment Cost (in/out) | Free / 30p | Free |
| Cash Payments Cost (in/out) | 0.5% / £2 | Free / £1.50 |
| Cheques (in/out) | Unknown | Free / £2.50 |
| CHAPS Payments Cost | £20 | £25 |
| SEPA Payments Cost | £15 | No |
Zempler Bank (formerly Cashplus) vs United Trust Bank Business Savings Rates
| Zempler Bank (formerly Cashplus) | United Trust Bank | |
| Types of Business Savings Accounts | None | Fixed Term Business Bonds, Notice Accounts, Tracker Accounts |
| Lowest Savings Rate (AER) | NA | 3.75% |
| Maximum Savings Rate (AER) | NA | 5.25% |
| Minimum Savings Amount | NA | £5,000 |
| Interest Paid On Foreign Currencies | No | Yes |
Zempler Bank (formerly Cashplus) vs United Trust Bank Account Opening Times
| Zempler Bank (formerly Cashplus) | United Trust Bank | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 day | 7 Working days |
| Do They Check Your Credit? | No | Yes |
| Current Account Switch Service | No | Yes |
Zempler Bank (formerly Cashplus) vs United Trust Bank Features & Account Types
| Zempler Bank (formerly Cashplus) | United Trust Bank | |
| Business Current Account | Yes | Yes |
| Business Savings Account | No | Yes |
| Business Credit Card | Yes | No |
| Business Overdraft | Yes | Yes |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | Yes |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Mastercard | Visa |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In Person/Branch Banking | No | No |
| Branch Locations | None, online only | London office only |
Zempler Bank (formerly Cashplus) vs United Trust Bank Customer Support Options
| Zempler Bank (formerly Cashplus) | United Trust Bank | |
| 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 United Trust Bank Foreign Currency Accounts
| Zempler Bank (formerly Cashplus) | United Trust Bank | |
| 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 United Trust Bank
| Zempler Bank (formerly Cashplus) | United Trust Bank | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | No | Yes |
| Invoice Financing | Yes | Yes |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | No |
| Card Machines | No | No |
| Free Accounting Software | No | No |
Zempler Bank (formerly Cashplus) vs United Trust Bank Banking Basics
| Zempler Bank (formerly Cashplus) | United Trust Bank | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 671140 | 204463 |
| Website | Zempler Bank (formerly Cashplus) Website | United Trust Bank Website |
Common Comparison Questions
Does Zempler Bank (formerly Cashplus) or United Trust Bank 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, United Trust Bank scores 4.6 out of 5 based 1,372 Trustpilot reviews. Of which 78% are 5-star and 3% are 1-star.
Does Zempler Bank (formerly Cashplus) or United Trust Bank 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, United Trust Bank’s iPhone App is rated 5 out of 5 based on 5 reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.
Does Zempler Bank (formerly Cashplus) or United Trust Bank 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, United Trust Bank offers Fixed Term Business Bonds, Notice Accounts, Tracker Accounts accounts with interest rates ranging from 3.75% to 5.25% (AER).
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For other business bank accounts see our guide here.