Merchant Machine

Cater Allen VS SumUp Business Account: Business Banking Review & Fee Comparison


By: Ian Wright | Last Updated: May 22, 2025

Is Cater Allen or SumUp Business Account better for your small business?



Compare UK Business Bank Accounts

Powered By BusinessBankAccounts.co.uk



Below we look at both Cater Allen and SumUp Business Account 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.

Cater Allen Homepage
Cater Allen Homepage


SumUp Business Account Homepage
SumUp Business Account Homepage
 

Cater Allen vs SumUp Business Account Trustpilot Reviews

Cater AllenSumUp Business Account
Trustpilot Review Score (out of 5)1.94.2
Percent 5-Star Reviews7%64%
Percent 1- Star Reviews80%22%
Total Number of Reviews13618,247
Sources:
https://www.trustpilot.com/review/www.caterallen.co.uk
https://www.trustpilot.com/review/sumup.com

Cater Allen vs SumUp Business Account App Reviews

Cater AllenSumUp Business Account
iPhone Review Score (out of 5)No Rating4.8
Number of iPhone ReviewsNo Reviews12,400
Android Review Score (out of 5)No Rating4.7
Number of Android ReviewsNo Reviews84,500
Sources:
https://www.apple.com/uk/app-store/
https://apps.apple.com/gb/app/sumup/id514879214

Cater Allen vs SumUp Business Account Account Fees & Charges

Cater AllenSumUp Business Account
Free Business Bank AccountNoYes
Free Business Account Term LengthNANo Limit
Cheapest Monthly Account FeeFreeNo
Most Expensive Monthly Account Fee£25No
Electronic Payment Cost (in/out)£2Free
Cash Payments Cost (in/out)FreeFree
Cheques (in/out)£6Free
CHAPS Payments Cost£25No
SEPA Payments Cost£2No

Cater Allen vs SumUp Business Account Business Savings Rates

Cater AllenSumUp Business Account
Types of Business Savings AccountsFixed Term, Notice AccountNone
Lowest Savings Rate (AER)3.00%NA
Maximum Savings Rate (AER)4.70%NA
Minimum Savings AmountNoNA
Interest Paid On Foreign CurrenciesYesNo
 

Cater Allen vs SumUp Business Account Account Opening Times

Cater AllenSumUp Business Account
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
7 days10 minutes
Do They Check Your Credit?YesYes
Current Account Switch ServiceNoNo

Cater Allen vs SumUp Business Account Features & Account Types

Cater Allen Account Types
Cater Allen Features & Account Types


SumUp Business Account Account Types
SumUp Business Account Features & Account Types


Cater AllenSumUp Business Account
Business Current AccountYesYes
Business Savings AccountYesNo
Business Credit CardNoNo
Business OverdraftNoNo
Accounts For StartupsYesYes
Accounts For CharitiesYesYes
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesNo
Card TypeMastercardMastercard
Online BankingYesYes
Mobile BankingYesYes
In Person/Branch BankingNoNo
Branch LocationsNone, online and phone onlyNone, online only

Cater Allen vs SumUp Business Account Customer Support Options

Cater AllenSumUp Business Account
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support NoYes
Web Based SupportYesYes
In person Customer SupportNoNo

Cater Allen vs SumUp Business Account Foreign Currency Accounts

Cater AllenSumUp Business Account
US Dollar (USD) Bank AccountsYesNo
Euro (EUR) Bank AccountsYesNo
Other Currencies Available:
  • CHF (Swiss Franc)
  • CAD (Canadian Dollar)
  • AUD (Australian Dollar)
  • NZD (New Zealand Dollar)
  • SGD (Singapore Dollar)
  • HKD (Hong Kong Dollar)
No

Other Business Services From Cater Allen and SumUp Business Account

Cater Allen Account Types
Other Cater Allen Services


SumUp Business Account Account Types
Other SumUp Business Account Services


Cater AllenSumUp Business Account
Business LoansNoNo
Commercial MortgagesNoNo
Invoice FinancingNoNo
International PaymentsYesYes
Merchant Payment ServicesNoYes
Card MachinesNoYes
Free Accounting SoftwareNoNo

Cater Allen vs SumUp Business Account Banking Basics

Cater AllenSumUp Business Account
Bank TypeHigh StreetChallenger
FSCS ProtectionYes, up to £85,000No
FCA Number178737900700
WebsiteCater Allen WebsiteSumUp Business Account Website

Common Comparison Questions

Does Cater Allen or SumUp Business Account have better customer reviews?

Cater Allen scores 1.9 out of 5 based 136 Trustpilot reviews. Of these reviews 7% are 5-star and 80% are 1-star.

Whereas, SumUp Business Account scores 4.2 out of 5 based 18,247 Trustpilot reviews. Of which 64% are 5-star and 22% are 1-star.

Does Cater Allen or SumUp Business Account have a better App?

Cater Allen’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.

In comparison, SumUp Business Account’s iPhone App is rated 4.8 out of 5 based on 12,400 reviews. And it’s Android App is rated 4.7 out of 5 based on 84,500 reviews.

Does Cater Allen or SumUp Business Account have better business savings rates?

Cater Allen offers the following types of business savings accounts: Fixed Term, Notice Account with interest rates ranging from 3.00% to 4.70%. (AER)

In contrast, SumUp Business Account offers None accounts with interest rates ranging from NA to NA (AER).

See Other Comparisons:
Cater Allen vs Cambridge & Counties Bank
Cater Allen vs Recognise Bank
Cater Allen vs Dudley Building Society
Cater Allen vs MyPOS
Cater Allen vs Ampere


For other business bank accounts see our guide here.

 



Please note: Merchant Machine is an information and comparison website only.
We do not provide merchant services nor can we recommend which solution is right for you and your business.
Blog · About · Privacy Policy · Terms of Use · Contact Us
Copyright © 2025 Brilliant British Ltd trading as Merchant Machine

Registered Office Address:
3rd Floor Great Titchfield House, 14-18 Great Titchfield Street, London, United Kingdom, W1W 8BD
Company number 10490224