Zempler Bank Reviews 

17,499
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Considering 4,363 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, politeness, and professionalism, often noting the quick resolution of issues, sometimes within minutes. Many describe the customer service as excellent, with advisors taking time to understand and effectively guide users through their queries. However, some people experienced significant issues with payment processing and account restrictions, reporting unresponsiveness from customer care for complex problems like held funds or hacked accounts. Concerns were also raised about slow identity verification and security, including an unauthorized account opening using another person's details.

What people talk about most

Staff

Reviewers mention positive feedback about staff, frequently highlighting their politeness, helpfulness, and... See more

Customer service

Customers consistently note positive experiences with customer service, praising representatives for being... See more

Service

Customers had positive experiences with service, often describing it as fantastic, quick, and smooth, with... See more

Response time

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

Payment

Users describe ambiguous interactions with payment, with many expressing significant dissatisfaction and... 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

Lucy was top shelf i sometimes rue online banking but this was arguably the best most efficient experience I’ve had. If it can work like this all the time then I see why banks want to move to online i... 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


Company details

  1. 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

17K reviews

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4.5

All reviews

(17,499)

4,254 reviews in the last 12 months

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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 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
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
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
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 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
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

Rated 1 out of 5 stars

I am extremely disappointed with the…

I am extremely disappointed with the service I have received. Since opening my account a month ago, I have barely been able to use it. My account has been locked three times, and even after being reopened with an apology, it gets locked again.

What makes even less sense is that you are holding very small incoming payments of £2 and £4. This is causing unnecessary disruption to my business.

I have been reporting these issues for the past two weeks, but the problem still hasn't been resolved. This is not the level of service I expected, and it is having a negative impact on my business operations.

Please allow me to use my account without repeated restrictions. Once the issue is fully resolved and I can use the account reliably, then it would be appropriate to ask me to leave a Trustpilot review. At the moment, my experience has been very poor, and I cannot recommend your service.

I would appreciate an urgent and permanent resolution to this matter.

Thank you.

13 July 2026
Zempler Bank logo

Reply from Zempler Bank

Hi there, I'm really sorry to hear this! As part of being a regulated financial institution, we may need to ask you for further information from time to time including proof of payment. This is to ensure that we're complying with any applicable regulations or legislation and protecting our customers accounts. You can send this into us via email to payments@Zempler.com. All the best - RO

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