Cashplus Bank review
Updated October 12, 2026 · VaultCue Editorial Team
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Our verdict
Cashplus Bank differs from traditional branch banking by offering business accounts designed for crafters, grafters and self starters who manage money digitally. The service provides in app and online management with cash handling options and practical tools that suit micro businesses across hospitality, construction and retail.
Key facts
- Best for
- Digital business banking for self starting micro businesses
- Monthly fee
- £0↗
- Transfer fee
- 3 free a month, 99p after↗
- Support channels
- Phone, Help-centre↗
- Official website
- cashplus.com
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- WikidataWikipediaLinkedInTrustpilot
Pros and cons
Pros
- In app cashflow tracking with integrated accounting support for daily admin
- Instant payment notifications with round the clock fraud monitoring and card freeze
Cons
- Digital and telephone management only without physical branches for face to face service
- Range centres on micro businesses so larger organisations may need wider capability
Who it suits
- Retail and hospitality operators taking contactless smartphone payments
- Tradespeople handling cash alongside digital account management
Who should look elsewhere
- Firms seeking branch based relationship management
How your money is protected
FSCS protection covers eligible deposits held with the bank, giving reassurance if the institution fails. Day to day security includes continuous fraud monitoring with immediate alerts when payments move. The app allows an immediate card freeze when a card goes missing. Regulation underpins these arrangements, so reader money benefits from recognised safeguards and clear routes for help.
How Cashplus Bank compares
Where Cashplus Bank is available
- Available
- United Kingdom
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can apply for a business account?+
The accounts suit micro businesses, including crafters, grafters and self starters across sectors such as hospitality, construction and retail. Applicants complete a short application and manage the account in the app or online once approved. Eligibility criteria apply before an account opens.
What account choices does the brand offer?+
The range includes an entry choice alongside higher tiers that expand everyday banking capacity. Higher tiers broaden payment capability and add tools such as a savings pot. Every choice provides app and online access with notifications, cash handling and accounting support.
How can small firms take card payments?+
A payments partnership enables contactless acceptance directly within the banking app. A smartphone acts as the terminal, so customers tap cards or mobile wallets to pay. The setup removes the need for separate reader hardware.
Does Cashplus Bank charge a monthly fee?+
The monthly fee at Cashplus Bank is £0. (Source, checked September 26, 2026)
How can I contact Cashplus Bank support?+
Cashplus Bank offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- zemplerbank.com/personal/current-account checked September 26, 2026
Backs: Transfer fee
“Freedom - 3 free a month (99p after)”
- zemplerbank.com/personal/current-account/freedom checked September 26, 2026
Backs: Monthly fee, Support channels
“Freedom - GBP 0 monthly”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.