Zempler Bank vs Algbra
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zempler Bank
Open a business bank account online in minutes with a fast application and instant decision. Manage spending, track transactions, and keep your money safe with advanced security features. Designed for small to medium businesses and sole traders.
- Fast online business account application
- No credit check required
- Accept payments immediately
- Track spending and categorize transactions
- Manage multiple cards
- 24-hour fraud monitoring
- Add team cards
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Download the app to open a business bank account in minutes. Over 1.6 million people use Zempler Bank to manage their money. OPEN A BUSINESS ACCOUNT ONLINE There’s no credit or trading history required, and you won’t have to visit a branch to open your account. • Fast online application & instant decision • No credit check to apply • Start accepting payments immediately with your account number and sort code MANAGE YOUR SPENDING • Check your account balance, track spending & make payments seamlessly • Manage multiple cards, including foreign currency cards • Request your pin number on the go • Access your account from the mobile app or online from your PC • Friendly UK based telephone support – 7 days a week KEEP YOUR MONEY SAFE • 24 hour fraud monitoring for your security • FSCS protection up to £85,000 on eligible deposits • Secure face and biometric ID • Block cards from the app or online • Instant app notifications when money leaves your account BUSINESS CURRENT ACCOUNTS MADE SIMPLE Our business current account is designed for small to medium business and sole traders. From startups to contractors, freelancers to entrepreneurs – all kinds of businesses trust Zempler business accounts. IMPROVE YOUR BOOKEEPING • Download statements to your phone or PC • Categorised transactions help organise your spending • Customise categories to match your business • Store logos in your statement make it easy to find transactions • Mark transactions as non-allowable expenses, add notes and a photo of your receipt EXTRA CARDS FOR YOUR TEAM • Add up to 20 cards, personalised with your business name • Block cards and restrict transactions like gambling and ATM withdrawals • Order travel cards for USD and EURO spending LENDING OPTIONS We’ve been helping businesses grow for 14 years. We offer a range of different credit products, with personalised limits that vary based on your individual circumstances. • Opportunities to apply for an overdraft or business credit card -------------- Zempler cards are issued by Zempler Bank Ltd (APS) pursuant to license by Mastercard International Incorporated. Zempler Bank Ltd is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). Zempler Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140.
Algbra
Manage your money ethically with a platform that prioritizes people and the planet. Open an account, save with competitive returns, and support causes you care about, all while tracking your environmental impact.
- Ethical savings with competitive returns
- Multi-currency accounts and transfers
- Borderless UK accounts
- Donate to charities directly
- Track and offset carbon footprint
- Contactless and virtual debit cards
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Algbra is the ethical finance platform designed to help you spend, save, and manage money in a way that puts people and the planet first. Open an account with ease, manage multiple currencies, grow your savings, and support causes that matter, all from within one app. Finance, made for humans. Your money should work for you without compromising your values. When we hold your money, we ensure that it’s protected from harmful industries such as arms, tobacco, fossil fuels, and gambling, helping to create a more responsible financial system. Ethical Saver Cubes Grow your savings while helping to support sustainable development globally. Create dedicated saving goals and earn competitive fixed returns in just a few taps. • Competitive returns • Choose fixed terms that suit you • Create multiple saving goals • FSCS protection up to £120,000 (T&Cs apply) • Sharia-compliant and Ethical One app. Multiple currencies Hold, send, receive, and convert money across currencies without juggling multiple apps. • Hold multiple currencies in one place • Send money to 20+ countries • Convert currencies with clear, competitive exchange rates Borderless accounts Open a UK account from wherever you call home. • Get an Algbra account with IBANs for GBP, USD, EUR and other supported currencies • Make international transfers • Enhanced fee-free allowances • Spend abroad with ease Algbra’s Borderless Account allows eligible customers to access UK financial services globally, making it easier to manage money internationally. T&Cs apply. Donate with a tap Support the causes that matter to you directly from the app. With Algbra Donations, you can make a difference in seconds. • Donate to trusted charities • Set up recurring or one-off donations 100% of your donation goes directly to the charity. Planet impact tracking Discover how your spending impacts the planet. Track your estimated carbon footprint and offset your impact to take meaningful steps towards a more sustainable world. Everything else you'd expect • Fast signup, no credit score impact • Contactless & virtual debit cards • Add to Apple Wallet • Instant top-ups via Open Banking • Spending analytics • Secure Biometric login (Face ID & fingerprint) Algbra FS UK Limited is authorised as an Electronic Money Institution by the UK Financial Conduct Authority (FCA) (FRN: 952360). Algbra FS UK Limited is registered in England and Wales (Company No. 12629086). Funds held in your Ethical Saver Cubes are protected by the FSCS up to £120,000. T&Cs apply. The Algbra card is issued pursuant to licence by Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. IMPORTANT: This content is provided for informational purposes only and is not intended as marketing or solicitation in jurisdictions where we are not licensed or authorised to operate.
Screenshots
Verdict
The clearest difference is ratings volume: Zempler Bank at 201 against Algbra's 19. On price, rating, review sentiment and update cadence there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Algbra holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Zempler Bank has 201 ratings behind it against 19, so its average is the more settled of the two. Written reviews split almost evenly too, at 55% and 55% positive.
Zempler Bank ships an update monthly, Algbra fortnightly. The most recent releases landed on October 26, 2026 and October 20, 2026 respectively.
| Parameter | Zempler Bank | Algbra |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (201 ratings) | 5.0 (19 ratings) — better |
| Positive reviews | 55.2% of reviews — better | 55.0% of reviews |
| Number of ratings | 201 — better | 19 |
| Update frequency | Monthly | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 89 MB | 134 MB |
| Age rating | 4+ | 4+ |
| Developer | Advanced Payment Solutions Ltd | Algbra FS UK Limited |
Customer experience
Zempler Bank
Algbra
User reviews
Zempler Bank
From 201 App Store ratingsWhat we love
- 🚀 Efficient and easy to use
- 🔒 Secure banking
- 👍 Great customer service
- 💡 Helpful credit building features
- 👍 Smooth and seamless banking experience
Room to improve
- 🐛 Buggy app with limited functionality
- 💰 High fees and charges
- 🔒 Overly strict security measures
- ⏱️ Slow transaction processing times
- 🤖 Poor communication and unresponsive support
Algbra
From 19 App Store ratingsWhat we love
- 👍 Clean and straightforward UI
- 🚀 Speedy ecosystem
- 🔒 Safe and essential banking
- 👍 Easy to use
- ✨ Ethical and sustainable values
Room to improve
- 😞 No response after applying
- ⚠️ Account blocked for no reason
- 🆘 Unable to spend/send
- 🚫 Not for NI residents
- 😥 Withholding funds
Bugs and requests
Zempler Bank
Reported bugs
4 issues- App crashes and freezes frequently
- Inconsistent account balance display
- Issues with activating and using the card
- Problems with transferring and receiving payments
Requested features
4 requests- Add Apple Pay support
- Improve in-app navigation and usability
- Provide more detailed transaction history and statements
- Offer higher credit limits and overdraft options
Algbra
Reported bugs
34 issues- App keeps telling to update even after update
- Account frozen and restricted
- Account blocked randomly
- App crashing non-stop
- Balance not showing
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- Cube not showing
- No transactions showing
- Account closed on Christmas Eve
- Account closed randomly
- Account closed with money in it
- Account closed without reason
- Account closed while abroad
- Money not returned within 28 days
- Passport picture flare causing rejection
- Card blocked randomly
- Account on hold
- Account blocked after wages paid in
- Account blocked after receiving payment
- Account blocked before Christmas
- Account blocked after sending payslip and bank statement
- Account closed without explanation
- Account on hold with no explanation
- Card declining
- Account closed without reason given
- Account closed with rent money in it
- Account closed without valid reason
- Account blocked each time making a transfer
- Account blocked after receiving wages
- Account blocked after sending documents
- Account blocked after sending proof
- Account blocked after sending ID/selfie
- Account blocked after sending nominated account
- Account blocked after sending bank transfers
- Account blocked after receiving a payment over £50
Requested features
10 requests- Ability to delete bank contacts
- Apple Pay
- Debit card top ups
- Subscription plan for cashback/credit score
- Interest on balances
Show 5 moreShow fewer
- Disposable cards
- Savings Pots
- Dark mode
- Apply Pay
- Option to update personal details
In-app purchases
Zempler Bank
No in-app purchases
Algbra
No in-app purchases









