Cashplus Bank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Cashplus Bank suits people who spend in several currencies and want no ongoing charge on the card. A monthly fee of £0 and a currency conversion fee of 0% put it at the top of the rankings, 1 of 379 and 1 of 237.
Pros and cons
Pros
- A monthly fee of £0 means there is no charge for holding the account open.
- A conversion fee of 0% on foreign currency spend, ranked 1 of 237.
- The card is debit and the account is listed under its travel feature, travel.
- Support covers phone and help centre, so a phone call or a help centre article covers most questions.
Cons
- The free ATM allowance is £0, so cash machine withdrawals carry a charge and the account ranks 38 of 104 on free withdrawals.
- Support runs on phone and help centre only, so email and live chat are not among the listed options.
Who it suits
- Travellers who pay in several currencies and read the conversion fee first.
- Anyone who wants a debit card with a monthly fee of £0.
- People comfortable getting help through phone and help centre.
Who should look elsewhere
- Not for heavy cash machine users: Monzo Flex includes £200 of free ATM withdrawals, while the free allowance here is £0.
- Not for readers who will decide on conversion cost alone: Wise lists a fee of 0.1% against 0% here, so the choice rests on other grounds.
- Not for euro budgeting: Bitpanda's monthly fee is €0 in euros, which sits against £0 in pounds here.
Trading and withdrawal fees
The monthly fee is £0 and the currency conversion fee is 0%. Both apply to the same current account, so there is no tier to choose between and nothing to pay for keeping it open. For anyone paying abroad, a 0% charge on conversion removes the cost that usually comes with spending in another currency on a card.
Where it sits among rivals
On the monthly fee the account ranks 1 of 379, and on the currency conversion fee 1 of 237. Free ATM withdrawals are the weaker measure, at 38 of 104, which is where cards that include an allowance sit well ahead. So the strengths are fees and the weakness is cash machine use.
How Cashplus Bank compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.6
9.1 vs 9.0
9.1 vs 9.1Priced in euros rather than pounds, with a monthly fee of €0.
9.1 vs 8.9
9.1 vs 8.1
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 8.9- 9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.3
Where Cashplus Bank is available
- Available
- United Kingdom
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a monthly fee to hold the account?+
The monthly fee is £0, the same figure most of the brands compared charge, and the site median across compared brands is €0. On the monthly fee the account ranks 1 of 379, and nothing changes over a year of holding it open.
What does it cost to convert money?+
The currency conversion fee is 0%, and the account ranks 1 of 237 on that measure. Wise lists its own conversion fee as 0.1%, so card spending abroad costs less here. That matters most on trips with several currencies in a single week.
Are cash machine withdrawals free?+
The free ATM allowance is £0, so withdrawals are not part of the free offer. That places the account at 38 of 104 on free withdrawals, and Monzo Flex includes £200. Compare that before picking a card for a cash heavy trip.
What kind of card is it?+
It is a debit card, so spending draws on the balance in the account. The account is listed under its travel feature, travel, and carries a conversion fee of 0% for spending in other currencies.
How do I get help if something goes wrong?+
Support runs on phone and help centre, so a phone call or a written answer in the help centre covers most questions. Email and live chat are not listed, which makes the phone line the faster route for anything urgent.
Who is this account for?+
It suits people who travel and pay in other currencies, since the account is built around its travel feature, travel, and charges a conversion fee of 0%. It suits less well anyone who takes out cash often, with a free ATM allowance of £0.
How does it compare with Monzo Flex and Bitpanda on running costs?+
Monzo Flex includes £200 of free ATM withdrawals, where the allowance here is £0, and Bitpanda lists a monthly fee of €0 in euros against £0 here. Cash users and euro budgeters have reasons to look elsewhere.
Sources
- zemplerbank.com/contact checked September 26, 2026
Backs: Support channels
“UK Customer Service 0330 024 0924 - Help Centre”
- zemplerbank.com/personal/current-account/freedom checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Features, Currency conversion fee, Monthly fee
“Freedom Cash withdrawals GBP 1 (UK), GBP 3 (non-UK)”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Related by the facts
Cashplus Bank
A fee free card for travellers who convert money and rarely use cash machines.