<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WTMQ4QSL" height="0" width="0" style="display:none;visibility:hidden" title="gtm-frame"></iframe>All personal current account products
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Personal current accounts

Are you self-employed?

We’re not accepting applications for personal current accounts. But we do business accounts starting at £0 monthly.

Compare business accounts
Are you self-employed?

Looking to open a business bank account?

Starting at £0 monthly

Apply for your business account in minutes and start taking payments.  

Bank the way you want in our easy-to-use app or online.  

Starting at £0 monthly

Tools that help with money admin

Like our easy invoice generator, integrated accounting and digital receipt capture.   

Tools that help with money admin

Human support when you need it

Our UK phone support team are small business specialists.  

They’re only ever a phone call away.   

Human support when you need it
Compare business accounts

Already a personal account holder?

See more account information below.

Freedom

£0 monthly

  • Bank in-app or online

  • FSCS protection up to £85,000 on eligible deposits

  • 24/7 built-in fraud monitoring

  • UK telephone support from real humans

  • Sending money: 3 free payments & transfers a month (99p after)

  • Card fee

    £9.95

  • Receiving money (payments & transfers)

    Free & unlimited

  • Sending money (payments and transfers)

    3 free a month (99p after)

  • Cash withdrawals

    £1 (UK), £3 (non-UK)

  • Pay in cash at any UK Post Office

    £4 minimum fee (or 0.6% of the total amount paid in)

Explore Freedom

Activeplus

£5.95 monthly

  • Everything you get with Freedom plus:

  • Sending money: 9 free payments & transfers a month (99p after)

  • Improve your credit rating with Creditbuilder at no extra cost

  • Card fee

    £5.95

  • Receiving money (payments & transfers)

    Free & unlimited

  • Sending money (payments & transfers)

    9 free a month (99p after) 

  • Cash withdrawals

    Free (UK), Free (non-UK)

  • Pay in cash at any UK Post Office 

    £4 minimum fee (or 0.6% of the total amount paid in)

Freedom

£0 monthly

  • Bank in-app or online

  • FSCS protection up to £85,000 on eligible deposits

  • 24/7 built-in fraud monitoring

  • UK telephone support from real humans

  • Sending money: 3 free payments & transfers a month (99p after)

  • Card fee

    £9.95

  • Receiving money (payments & transfers)

    Free & unlimited

  • Sending money (payments and transfers)

    3 free a month (99p after)

  • Cash withdrawals

    £1 (UK), £3 (non-UK)

  • Pay in cash at any UK Post Office

    £4 minimum fee (or 0.6% of the total amount paid in)

Activeplus

£5.95 monthly

  • Everything you get with Freedom plus:

  • Sending money: 9 free payments & transfers a month (99p after)

  • Improve your credit rating with Creditbuilder at no extra cost

  • Card fee

    £5.95

  • Receiving money (payments & transfers)

    Free & unlimited

  • Sending money (payments & transfers)

    9 free a month (99p after) 

  • Cash withdrawals

    Free (UK), Free (non-UK)

  • Pay in cash at any UK Post Office 

    £4 minimum fee (or 0.6% of the total amount paid in)

Get more with Zempler

Customise your personal account with useful add-ons, available if you need them.

  • Overdrafts

    Ease the burden of unexpected expenses.

  • Travel currency cards

    Take off with local currency cash cards. Add a Euro or US dollar card to your account at no extra cost.

  • Creditbuilder

    Build your credit score at no extra cost available with our ActivePlus account.

A credit card that gives you control

New applications for our credit card are currently closed on our website.

Whether you’re looking for your first credit card or have had credit problems in the past, Zempler credit card allows you to borrow money in a flexible and affordable way.

Learn more
Zempler Bank personal credit card

Find out more about our Personal Bank account service information.

Personal Service information


© 2025 Zempler Bank


Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. 

For full website terms including information on Zempler Bank, Mastercard and use of trademarks, please see our full legal disclosures at https://www.zemplerbank.com/legal/. Zempler Bank Limited (“Zempler Bank”) is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). Zempler Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140. 

Zempler Bank provides credit facilities subject to approval and affordability, and where accounts continue to meet Zempler Bank credit criteria.