Is NatWest or Zempler Bank (formerly Cashplus) better for your small business?
Below we look at both NatWest and Zempler Bank (formerly Cashplus) 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.
NatWest vs Zempler Bank (formerly Cashplus) Trustpilot Reviews
| NatWest | Zempler Bank (formerly Cashplus) | |
| Trustpilot Review Score (out of 5) | 1.4 | 3.7 |
| Percent 5-Star Reviews | 8% | 54% |
| Percent 1- Star Reviews | 86% | 30% |
| Total Number of Reviews | 5,984 | 9,921 |
https://www.trustpilot.com/review/www.natwest.com
https://www.trustpilot.com/review/www.cashplus.com
NatWest vs Zempler Bank (formerly Cashplus) App Reviews
| NatWest | Zempler Bank (formerly Cashplus) | |
| iPhone Review Score (out of 5) | 4.8 | 4.7 |
| Number of iPhone Reviews | 456,700 | 48,000 |
| Android Review Score (out of 5) | 4.4 | 4.5 |
| Number of Android Reviews | 349,000 | 23,400 |
https://apps.apple.com/gb/app/natwest-mobile-banking/id334855322
https://apps.apple.com/gb/app/cashplus-bank/id709473017
NatWest vs Zempler Bank (formerly Cashplus) Account Fees & Charges
| NatWest | Zempler Bank (formerly Cashplus) | |
| Free Business Bank Account | Yes | Yes |
| Free Business Account Term Length | 24 Months | No Limit |
| Cheapest Monthly Account Fee | Free | No |
| Most Expensive Monthly Account Fee | Free | £9 |
| Electronic Payment Cost (in/out) | 35p | Free / 30p |
| Cash Payments Cost (in/out) | 70p per £100 | 0.5% / £2 |
| Cheques (in/out) | 70p per item | Unknown |
| CHAPS Payments Cost | £20 | £20 |
| SEPA Payments Cost | 45p | £15 |
NatWest vs Zempler Bank (formerly Cashplus) Business Savings Rates
| NatWest | Zempler Bank (formerly Cashplus) | |
| Types of Business Savings Accounts | Instant access, notice and fixed-term savings accounts | None |
| Lowest Savings Rate (AER) | 1.46% | NA |
| Maximum Savings Rate (AER) | 4.25% | NA |
| Minimum Savings Amount | No | NA |
| Interest Paid On Foreign Currencies | Yes | No |
NatWest vs Zempler Bank (formerly Cashplus) Account Opening Times
| NatWest | Zempler Bank (formerly Cashplus) | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 10 Working days | 1 day |
| Do They Check Your Credit? | Yes | No |
| Current Account Switch Service | Yes | No |
NatWest vs Zempler Bank (formerly Cashplus) Features & Account Types
| NatWest | Zempler Bank (formerly Cashplus) | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | No |
| Business Credit Card | Yes | Yes |
| 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 | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In Person/Branch Banking | Yes | No |
| Branch Locations | UK-wide including the ability to use some RBS locations | None, online only |
NatWest vs Zempler Bank (formerly Cashplus) Customer Support Options
| NatWest | Zempler Bank (formerly Cashplus) | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | Yes |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | No |
NatWest vs Zempler Bank (formerly Cashplus) Foreign Currency Accounts
| NatWest | Zempler Bank (formerly Cashplus) | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
| No |
Other Business Services From NatWest and Zempler Bank (formerly Cashplus)
| NatWest | Zempler Bank (formerly Cashplus) | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | Yes | No |
| Invoice Financing | Yes | Yes |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | Yes | No |
| Free Accounting Software | Yes | No |
NatWest vs Zempler Bank (formerly Cashplus) Banking Basics
| NatWest | Zempler Bank (formerly Cashplus) | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 121882 | 671140 |
| Website | NatWest Website | Zempler Bank (formerly Cashplus) Website |
Common Comparison Questions
Does NatWest or Zempler Bank (formerly Cashplus) have better customer reviews?
NatWest scores 1.4 out of 5 based 5,984 Trustpilot reviews. Of these reviews 8% are 5-star and 86% are 1-star.
Whereas, Zempler Bank (formerly Cashplus) scores 3.7 out of 5 based 9,921 Trustpilot reviews. Of which 54% are 5-star and 30% are 1-star.
Does NatWest or Zempler Bank (formerly Cashplus) have a better App?
NatWest’s iPhone App is rated 4.8 out of 5 based on 456,700 reviews. And it’s Android App is rated 4.4 out of 5 based on 349,000 reviews.
In comparison, 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.
Does NatWest or Zempler Bank (formerly Cashplus) have better business savings rates?
NatWest offers the following types of business savings accounts: Instant access, notice and fixed-term savings accounts with interest rates ranging from 1.46% to 4.25%. (AER)
In contrast, Zempler Bank (formerly Cashplus) offers None accounts with interest rates ranging from NA to NA (AER).
See Other Comparisons:NatWest vs Co-operative Bank
NatWest vs Aldermore
NatWest vs Handelsbanken
NatWest vs Anna
NatWest vs Hampshire Trust Bank
For other business bank accounts see our guide here.