Zempler Bank Reviews 

17,558
TrustScore 4.5 out of 5

4.5

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 4,338 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for being helpful, polite, and knowledgeable, making interactions pleasant and productive. Many people highlight the excellent customer service, noting quick response times and efficient problem resolution. Reviewers often describe the overall service as excellent, appreciating the ease and understanding provided. However, some customers experienced significant issues with their accounts, including unexpected suspensions or closures and difficulties accessing their funds. These situations were often compounded by a lack of clear communication, long waiting times for resolution, and repeated requests for documentation without progress.

What people talk about most

Staff

Customers had positive experiences with staff, frequently praising their helpfulness, efficiency, and... See more

Customer service

Users describe positive interactions with customer service, highlighting helpful, knowledgeable, and... See more

Service

Reviewers mention positive feedback about service, with many describing it as amazing, professional, and... See more

Response time

Clients share positive opinions on response time, with many reviewers highlighting short call hold times and... See more

Payment

Reviewers highlight ambiguous aspects of payment, with many expressing frustration over accounts being... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I had a really positive experience speaking with Zempler’s call assistant Libbie. She was absolutely lovely, patient, and very helpful throughout my query. She took the time to understand my issue,... See more

Company replied

Rated 5 out of 5 stars

I've recently changed phones and couldn't log in to my account. Having explained this to your operator he was very helpful with getting me to remember my log in details. He managed to do this without... See more

Company replied

Rated 5 out of 5 stars

The new PIN for my new card did not arrive so I called customer support team. As soon as the customer representative answered the phone, he sorted my issue in 2 minutes and sent through another PIN... See more

Company replied

Rated 5 out of 5 stars

I had a great experience with zempler customer service. The advisor was helpful and friendly and took his time to guide me through changing my account to Business go plan. Everything was explained cl... See more

Company replied


Company details

  1. #25 of 50 best companies in Bank

Written by the company

Hello, we’re Zempler Bank. We’re here to make money simpler. We know that banking isn’t at the top of most people’s to do lists, that’s why making it less of a chore is at the top of ours. We don’t do banking the traditional way – the wrong way. We do banking that works for the people that need it, when they need it. We’re for the crafters, the grafters, and the self starters. The bank for sole traders and those just starting up. And small businesses with growth on their minds and less time than they’d like. Just because you’re going it alone doesn’t mean you have to do it on your own. That’s where we step in – smart technology, straightforward human service, and bank accounts that meet real-life needs. We’ve already helped over 650,000 businesses get off the ground. We’re here to do banking right and support our customers for the long haul.


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

18k reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.5

All reviews

(17,558)

4,306 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

Account blocked out of the blue

Account blocked out of the blue, I sent the documents, the next day they asked for the same documents again, I find it unbelievable that a bank doesn't have an email address for contact, they have a phone number, of course no one answers that number!

Think twice before you open an account here, you simply have no one to talk to if you have a problem

21 July 2026
Unprompted review
Zempler Bank logo

Reply from Zempler Bank

Hello Courtney, I'm really sorry to read of your recent experience. Under certain circumstances, we may request information including statements to comply with any applicable regulations or legislation. We do have a review period for this documentation but will always look to investigate this within a suitable timeframe. Kind regards - RO

Rated 5 out of 5 stars

Impressed.

Polite,efficient and most importantly "A person"not a bot.
My inquiry including call answering,security check and problem resolved took no more than 10mins32secs.
Impressive ! All of these online chat bots and email inquiries which seem to be rife can literally drain the life out of the customer. 10/10 Zempler Well done and keep it up.

23 July 2026
Zempler Bank logo

Reply from Zempler Bank

Thanks Dean! We're grateful you shared your thoughts with us - it really helps 🌟 Kind regards - RO

Rated 5 out of 5 stars

A Happy Customer

The customer service employee who I spoke with was knowledgeable and helpful regarding my enquiry. It did not take to long to get the information I needed and this resolved my issue quickly and satisfact satisfactorily. It's always Good when that happens.

23 July 2026
Zempler Bank logo

Reply from Zempler Bank

Much appreciated, Owen! Your review helps us keep doing what we love 💙 Warm regards - RO

Rated 1 out of 5 stars

It appears Zempler Bank is doing this…

It appears Zempler Bank is doing this deliberately. I've read other comments and in exactly the same situation with them. I have invoices to settle and tradesmen calling me to pay up. It's very embarrassing and makes one appear unprofessional when the bank withholds funds coming into your account. This is not good service for business owners

23 July 2026
Unprompted review
Zempler Bank logo

Reply from Zempler Bank

Hi, we're sorry to hear that you feel this way! We'd like to look into this for you to see if there is anything we can do to resolve any issues you've faced. Could you please respond to the TrustPilot email we've sent with your account name and post code so we can look into this for you? Kind regards - RO

Rated 5 out of 5 stars

Polite and efficient

The gentleman was polite, respectful and efficient. Everything was dealt with the minimum of fuss.

23 July 2026
Zempler Bank logo

Reply from Zempler Bank

Much appreciated, Sharon! Your review helps us keep doing what we love 💙 Warm regards - RO

Rated 1 out of 5 stars

Avoid this bank

Avoid this bank. The suspended all payment staying they were concerned about money laundering. The amount paid in was from my personal account with the same name as the business and was for £500. They stopped a payment to a credit card company. When the account was restored they process the payment even though 4 days had passed.

Trying to get them to refund this money back using direct debit guarantee was a nightmare. Despite the error being a bank issue.

When you call the call center the start talk like they are half asleep and don't listen to question being ask.

Can't wait for the money to be returned so I can close the account.

22 July 2026
Unprompted review
Zempler Bank logo

Reply from Zempler Bank

Hi Adam, we're sorry to hear that you feel this way! We'd like to look into this for you to see if there is anything we can do to resolve any issues you've faced. Could you please respond to the TrustPilot email we've sent with your account name and post code so we can look into this for you? Kind regards - RO

Rated 1 out of 5 stars

BE AWARE BE AWARE BE AWARE

BE AWARE BE AWARE BE AWARE

Absolutely disgraceful service. Blocked my account and my incoming transfer for no reason (the transfer is a loan from a reputable company - urgently needed for daily essentials). Then they proceeded to ask for proof of ID and proof of address. I sent what they have requested and they rejected it (their excuse is wrong address on the bill sent - which is obviously a lie because IT MATCHES EXACTLY MY ADDRESS). They are a HUGE fraud.

I have taken it to the Financial Ombudsman Service so they can sort it out with them.

BE AWARE BE AWARE BE AWARE.

Reference: 02600100336304

19 July 2026
Unprompted review
Zempler Bank logo

Reply from Zempler Bank

Hi Zak, we're very sorry to hear you had this experience. I can see our team have been in touch with you. If there's anything further we can do to help, please call us on 0330 024 0924. Kind regards RO

Rated 1 out of 5 stars

Review / Complaint to Zempler Bank


I am writing to raise a serious concern regarding the prolonged delay in releasing my father’s accounts. It has now been several weeks since we submitted all requested information, yet his accounts remain inaccessible with no meaningful update or explanation from your team.

This ongoing delay has caused significant distress and financial instability for my father. The lack of communication and clarity has left him feeling overwhelmed and hopeless. I need you to understand the gravity of the situation: the continued withholding of his funds is having a severe impact on his wellbeing.

I am urgently requesting that this matter be escalated and reviewed immediately. Please provide a clear update, a timeline for resolution, and confirmation that his case is being prioritised. The current situation is unacceptable, and the prolonged inaction is causing harm.
ref# 80000100785089
I expect a response as soon as possible before my dad does the unspeakable because of what he is going through

22 July 2026
Unprompted review
Rated 5 out of 5 stars

Very good service

22 July 2026
Zempler Bank logo

Reply from Zempler Bank

Hi Mark, thank you for your review! We're delighted to hear your feedback 😃 Best wishes - RO

Rated 5 out of 5 stars

The adviser took all the issues…

The adviser took all the issues meticulously and resolved all the issues patiently and appropriately. No calling back on the issues addressed.

22 July 2026
Zempler Bank logo

Reply from Zempler Bank

Much appreciated,Adekunle! Your review helps us keep doing what we love 💙 Warm regards - RO

Rated 4 out of 5 stars

Straight forwardtax

Straight forward

22 July 2026
Zempler Bank logo

Reply from Zempler Bank

Hi Lynn, thank you for your review! We're delighted to hear your feedback 😃 Best wishes - RO

Rated 1 out of 5 stars

Worst bank you can ever deal with

Worst bank you can ever deal with. Lock the accounts even
When you send over all details they ask for, still refuse to unlock and zero reasoning behind why. Then constantly tell you they will be in touch, weeks go by zero communication. The customer service is awful and could not care less . Put peoples lives on hold and disrupt financial situations massively. Suggest people use other banks such as wise etc, Zempler is simply the worst bank I have ever dealt with. Avoid like the plague

22 July 2026
Unprompted review
Zempler Bank logo

Reply from Zempler Bank

Hi Scott, we're sorry to hear that you feel this way! We'd like to look into this for you to see if there is anything we can do to resolve any issues you've faced. Could you please respond to the TrustPilot email we've sent with your account name and post code so we can look into this for you? Kind regards - RO

Rated 1 out of 5 stars

Still no resolution - accounts restricted, now waiting on a formal response

Still no resolution - accounts restricted, now waiting on a formal response

Update on my previous reviews: my accounts (personal, business, and my wife's) are still restricted, with no explanation given. I have now sent Zempler a formal request directly, asking them to either reinstate the accounts immediately or release our funds in full, and I am waiting on their response.

These accounts are our entire financial lifeline - my salary, a loan repayment, and all our household direct debits go through them. With no access to our own money, we cannot afford food for our children, our direct debits are at risk of failing, and we are now at real risk of losing our home.

Reference numbers: 02600100391699 / 80000100785089

A bank has no right to hold a family's essential funds hostage with no explanation and no timeline. If I do not receive a substantive response very soon, I will be filing a formal complaint with the Financial Ombudsman Service.

22 July 2026
Unprompted review
Zempler Bank logo

Reply from Zempler Bank

Hi Seth, I'm very sorry to hear you had this experience. I can see our team has been in contact with you since you made this review. For your security, please could you remove your account details from the review. If you need further help, please call us on 0330 024 0924. Kind regards RO.

Rated 5 out of 5 stars

Lucy was friendly

Lucy was friendly, efficient and clearly explained what was happening.

21 July 2026
Zempler Bank logo

Reply from Zempler Bank

Hi there, we really appreciate you taking the time to leave a review! We’re so pleased Lucy was able to support you - your feedback has been shared with the team 💚Kind regards - RO

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look