Is Santander or Zempler Bank (formerly Cashplus) better for your small business?
Below we look at both Santander 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.
Santander vs Zempler Bank (formerly Cashplus) Trustpilot Reviews
| Santander | Zempler Bank (formerly Cashplus) | |
| Trustpilot Review Score (out of 5) | 1.4 | 3.7 |
| Percent 5-Star Reviews | 8% | 54% |
| Percent 1- Star Reviews | 85% | 30% |
| Total Number of Reviews | 6,868 | 9,921 |
https://www.trustpilot.com/review/www.santander.co.uk
https://www.trustpilot.com/review/www.cashplus.com
Santander vs Zempler Bank (formerly Cashplus) App Reviews
| Santander | Zempler Bank (formerly Cashplus) | |
| iPhone Review Score (out of 5) | 4.8 | 4.7 |
| Number of iPhone Reviews | 1,100,000 | 48,000 |
| Android Review Score (out of 5) | 4.4 | 4.5 |
| Number of Android Reviews | 54,300 | 23,400 |
https://apps.apple.com/gb/app/santander-mobile-banking/id482973524
https://apps.apple.com/gb/app/cashplus-bank/id709473017
Santander vs Zempler Bank (formerly Cashplus) Account Fees & Charges
| Santander | Zempler Bank (formerly Cashplus) | |
| Free Business Bank Account | Yes | Yes |
| Free Business Account Term Length | 18 Months | No Limit |
| Cheapest Monthly Account Fee | Free | No |
| Most Expensive Monthly Account Fee | £7.50 | £9 |
| Electronic Payment Cost (in/out) | Free | Free / 30p |
| Cash Payments Cost (in/out) | 70p per £100 | 0.5% / £2 |
| Cheques (in/out) | Unknown | Unknown |
| CHAPS Payments Cost | £25 | £20 |
| SEPA Payments Cost | No | £15 |
Santander vs Zempler Bank (formerly Cashplus) Business Savings Rates
| Santander | Zempler Bank (formerly Cashplus) | |
| Types of Business Savings Accounts | Instant access, Business Reward Saver, Fixed Rate Business Bond, Treasurer’s Savings Account | None |
| Lowest Savings Rate (AER) | 0.40% | NA |
| Maximum Savings Rate (AER) | 3.60% | NA |
| Minimum Savings Amount | £1 | NA |
| Interest Paid On Foreign Currencies | Yes | No |
Santander vs Zempler Bank (formerly Cashplus) Account Opening Times
| Santander | Zempler Bank (formerly Cashplus) | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | Few minutes | 1 day |
| Do They Check Your Credit? | Yes | No |
| Current Account Switch Service | Yes | No |
Santander vs Zempler Bank (formerly Cashplus) Features & Account Types
| Santander | 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 | None, online only |
Santander vs Zempler Bank (formerly Cashplus) Customer Support Options
| Santander | 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 |
Santander vs Zempler Bank (formerly Cashplus) Foreign Currency Accounts
| Santander | 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 Santander and Zempler Bank (formerly Cashplus)
| Santander | 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 |
Santander vs Zempler Bank (formerly Cashplus) Banking Basics
| Santander | Zempler Bank (formerly Cashplus) | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 106054 | 671140 |
| Website | Santander Website | Zempler Bank (formerly Cashplus) Website |
Common Comparison Questions
Does Santander or Zempler Bank (formerly Cashplus) have better customer reviews?
Santander scores 1.4 out of 5 based 6,868 Trustpilot reviews. Of these reviews 8% are 5-star and 85% 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 Santander or Zempler Bank (formerly Cashplus) have a better App?
Santander’s iPhone App is rated 4.8 out of 5 based on 1,100,000 reviews. And it’s Android App is rated 4.4 out of 5 based on 54,300 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 Santander or Zempler Bank (formerly Cashplus) have better business savings rates?
Santander offers the following types of business savings accounts: Instant access, Business Reward Saver, Fixed Rate Business Bond, Treasurer’s Savings Account with interest rates ranging from 0.40% to 3.60%. (AER)
In contrast, Zempler Bank (formerly Cashplus) offers None accounts with interest rates ranging from NA to NA (AER).
See Other Comparisons:Santander vs Co-operative Bank
Santander vs Aldermore
Santander vs Handelsbanken
Santander vs Anna
Santander vs Hampshire Trust Bank
For other business bank accounts see our guide here.