For freelancers, sole traders, SMEs and growing businesses

United Kingdom

British pound

Personal/Business

Cashplus is a leading UK challenger bank for small businesses. They offer current accounts for the entrepreneurs, independent businesses and consumers that power the UK economy, yet are too often overlooked by high street banks. Since 2005, we’ve created easier ways for more than 1.6m customers to pay, bank and borrow through our user-friendly digital platform.

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Cashplus Bank

Business Bank account

Personal Bank account

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cashplus are thieves they freeze your account for no reason and keep your money. mine was frozen for over 9 months

cashplus are thieves

Very nice service

I was not advised when I opened my account that £2 deductions are taken for every deposit made at a post office. As Cash Plus does not have a customer bank account I cannot deposit monies into it any other way. If I pay in £1000 via Post Office they will take 3%!
Better to use a Building Society or an ISA account as they cost zero!
Very disappointed.

I was not advised when I opened my…

Can't play the stock market.
Cashplus declined

Can't play the stock market.

Excellent service

Feel safe with banking with you . Keep up the good work

Feel safe with banking with you

We have just opened a business bank account. The process was straight forward, easy phone calls that get answered in no time. The teams is able to answer and resolve many queries in 30 seconds. Why did we bank with Barclays in the past 💁🏿‍♂️

We have just opened a business bank…

Everything fine so far.

Great service easy to open an account with them.

Great service easy to open an account…

Excellent bank and also good customer service

Excellent bank and also good customer…

Great and reliable banking

Good customer service

Excellent is working good

I have only been with Cashplus for a matter of weeks.  I am making the changes required to move banks myself, and so far, so good.

There is one thing I don't like, needing a code to log in when on the computer, to get the code I must log in on my mobile-first.  Doing that there is no need to use the computer, but I prefer the computer!

So far, so good

Good card

Was straightforward to open account,Card arrived and everything starightforward .

Was straightforward to open…

What is the review team adress?

Very useful card to have in your wallet as a back up.Would recommend it 👍

Very useful card to have in your wallet…

As we head into the third year of events caused by the ineptitude of this company. I would just like to commend them on not following procedure, being clueless and costing the business thousands of pounds both financially and in time. 

We are still none the wiser on how they allowed an account to be opened and then emptied despite being restricted and despite information pertaining to the company being freely available online.

We have been to civil court this week and now are faced with even more protraction  that could have been easily avoided had Cashplus not been so shocking in their approach to dealing with things. 

Do not put any trust in this business, you will regret it and this is coming from someone who didn't even open an account with them in the first place but should have been taken seriously when we contacted the about it.

Since 2019

Very good service straight forward to use thanks

Very good service straight forward to…

Opened a business account using my passport and utility bill. Account opened fine and account details were provided. 

I was a little sketchy after reading mixed reviews so I decided to transfer £1 from my current account to make sure everything works, low and behold ACCOUNT BLOCKED for security reasons. 

When I called customer services they now require 2 extra forms of photographic ID and 2 extra forms of address letters. 

This needs to be sent in the post and could take upto 10 days. Every bank has its procedures but I’m so glad I only deposited £1 and not anything large where my business would depend on. 

Anyway goodbye Cashplus, Thankyou for a poor service. I have now looked into ANNA money and have so far been happy with there services.

WASTE OF TIME

Understanding and Patience 
The Customer Service advisor was very patient and quickly understood that...I had no knowledge dealing with technology. He showed me how to resolve the issue at hand and he reassured me...that in the future ...I can handle the issue quickly and safely by following the instructions...he had taught me.  He was awesome!!!

Understanding and Patience

Helpful and knowledgeable staff who stated on the phone until issue was sorted and unlike must banks these days the phone was answered within ten minutes!

Helpful and knowledgeable staff who…

Ok
Mati helped to secure my account a lot

D123

They Closed down my buisness account. No bills paid, unable to re stock, basically unable to function. Wouldn’t transfer our money until I had another buisness account set up elsewhere which has took nearly 3 weeks. Rang to ask them to transfer our money to our new buisness account immediately, to be told it could take up to 30 days?!! Causing more problems, holding our money. Why 30 days? Send our money NOW!! You have withheld our money for 3 weeks already? Closing our account with no reason, refusing to send our money, then keeping hold of it for another 30 days has destroyed our buisness. We can’t work with nothing. Shocking customer care, AVOID AVOID AVOID

They Closed down my buisness account

Very good bank sometimes faster payments take a while to appear so they loose a star but apart from that all good so far

Very good bank sometimes faster…

Since the 7th April I tried to open a business account with Cashplus.The set up initially was simple and the card arrived within 5 working days.
The requirements what is needed to open an account haven’t been clear I had to call them 3 times and every time they told me about anything else missing item to open my account .I also sent them 7 e-mails and I had no response. The last two e-mails had the partner e-mail included which should be a customer service line and the response should be 24 hours as on their website. I got no response.On the 10 th May I ask them to send me my money back ( I even sent them a faster payment identifier number ) as I now can’t imagine working with them in the future. Today is the 20th I haven’t received any e-mails from them either confirming my request or asking any questions. I would strongly advise not to open an account with Cashplus

Worst bank re opening an account and communication

All the positive reviews are blatantly written by Cashplus staff, it is so obvious! Worst banking experience ever. As a business customer, if you want your account frozen for no reason, weeks without access to your cash/hard earned money ( Cashplus quickly stop you accessing it and take weeks to resolve it) zero customer service ( they are call loggers, no more) and constant stress from a bank that could not care less, then open an account. They also love sending threats through email that if you do not action certain things, they will restrict your account. These threats are then followed by telling you that THEY will contact you about said action and if you phone customer services they can’t help. Shambolic operation and utterly amazed that they got a banking license; these guys need reporting and stripes of the license with immediate effect. Actually the FCA are inundated with complaints about Cashplus so hopefully some action will be taken asap. It was a great day when I closed my account but I just hope that this review will prevent others from the misery I endured because of this bank that ‘absolutely does not care about small businesses’ as they claim they do.

All the positive reviews are blatantly…

Thank you Cashplus 🙏

I have recently opened an account as I’m starting a new business. The whole process was easy to do & I am happy with the services provided. They are just like any other bank 👍

New Bank Account

New to this bank but very good service

I like the fact that you can call the cash plus centre and a reasonable price but I don't like the fact that you need to pay YOUS £2  just so I can lift OUT MY OWN MONEY EVERY TIME A NEED MONEY OUT THE MACHEINE,  SO U NEEDTY LIFT ALL YER MONEY PUT AT THE 1 TIME OR YO LOSE 2POUNDS EVERY SINGLE TIME.  A need MY MONEY 💰🤑

How u feel

Cashplus have been very helpful by giving me an overdraft which has been instrumental in managing my cashflow. Besides this point, their service is excellent and the staff are very helpful.

Difficult to get through the phone its vert very busy.
CSA are not very cooperative.

Today after I left the review received a phone call and  complain was heard and promised to resolve there issue and it will be better in future so I am happy that some action are taken and thanks to the complain handlers.

Seems its listening to customer

It’s good account and easy

Very happy with this choice - no hitches to date.

Very happy with this choice

Great account, excellent customer service

Great account

Good afternoon,
My name is Cristina and a few months ago I opened a business through you service. I proceeded into opening a business bank account with Cashplus, but due to some unknown reason or some type of mistake, I ended up without having access to my business debit card. Instead of sending me the card at my chosen adress it ended up being sent to your adress. No one contacted me regarding this and for three months now I have been trying to get another card sent to me so I can access my money. I have sent them numerous documents that prove my identity and every time they end up apologising and that they’re not the right documents. I have sent them bank statements that I acquired straight from my bank physically not through the Internet and much more. Would you be so kind to sort out this mess. It’s been almost 5 months since I have no access to my business bank account.

Thank you and I am looking forward to hear from you soon.

Waiting for card

Just call customer servcie and its like nightmare. The person serve me said his name is Paul. I asked him his full name and due to data protection he can not disclose his full name. But again he can not serve me without knowing my full name (while i'm in a public place). Just thinking what kind of data protection and security they providing to the customer!!


SKR- your reply did not clarify why does the customer service representative disclose his full name.

Think before call who has the control!

I have not been offered an overdraft facility that I expected

I have not been offered an overdraft…

I am very happy to work with Cashplus

I like every other services I have been rendered till now but I am not happy with the time it takes for money to reflect in the third party account when sent out and in my account when receiving from a third party too. This is taking around 30 minutes or so. I am so surprised why it is not immediate.

This is my only problem with the bank for now.


Thank you

Time taken for money to reflect.

Excellent Bank. I started off with just the prepaid credit card to build up a credit rating - I owed no-one money as I never used credit - so my rating was rubbish - Cashplus made building up my credit rating easy. They have been a delight to use and I have always found answers to questions in their extensive online help sections. I only wish Barclays (whom I have a current account with) were 10% as easy to deal with.

Excellent Bank

Great experience so far with Cashplus Bank. Opening the account was very straightforward and stress free. Account was open very quickly and business debit card arrived super fast. I am now up and trading through my new business account.

Great experience

I am very satisfied with the bank services

I am very satisfied with the bank…

Easy to use money is available to transfer straight away

Easy to use

Very pleased quick and easy to use 5stars 👍

Very pleased quick and easy to use…

very easy and quick to set up

Very good service, has helped me from day one of opening my account.

Very good service

Great thanks

They have had my money for 12 months and are asking for id to return it. I have never seen such extensive negative reviews about a financial organisation that the authorities have not acted on. Today I will be writing to the serious fraud office to bring their attention to this organisation

Plain and simply thieves using banking regulations to legitimise

Hi my name is Saeed khan my business account is restricted from about 5 weeks due to £200 deposit from some one account which I don’t have any proof of payment and my account is restricted when ever call to customer service they saying you have to wait the relevant departments will contact you I’m still waiting from 4weeks and I have about £1400 in my business account.don’t know how long should I wait more to sort out thx

Hi my name is Saeed khan my business…

Fraudulent company who puts false and incorrect information on your credit files. Stay away from this cowboy company they will add incorrect information to your credit files, I have had to take them to court to rectify this. Awful experience with this company and still no apology from them for there mistake.

Fraudulent company who puts false and…

After  speaking to many of your colleagues and told various  ways of getting my new account sorted out which miserably failed.I finally spoke with gentleman colleague who patiently did everything to get account sorted out.soorry can't r7 his name but should be on your system yesterday. He is an asset to cash plus.Now I have account  up and running again thanks to him.Thankyou to this excellent gentleman.

After  speaking to many of your…

Polite and efficient answered all my questions

Polite and efficient answered all my…

Very helpful and professional.  Thanks Jenny

Very helpful and professional

The lady I spoke to on the phone was very helpful. Everything I asked for done with no problem. The experience was effortless.
Thank you Cashplus

The lady I spoke to on the phone was…

Excellent customer service by your team, superb can-do attitude and really helpful.

Excellent customer service by your…

Their entire process thus far strongly suggests that Cashplus Bank deliberately employs tactics that allows them to "delay" giving access to my own money.

In a time when cost of living is getting higher and people are struggling to make ends meet they just abuse their power over people's accounts and hold their hard earned money?
 
Secondly, they operate in a very suspicious manner.

They reinstated access to my business account but kept me locked out of my personal account.
Business account: Low Balance
Personal account: £7470

Why? Because it's part of their strategy to keep people's funds by stalling the verification process.

They requested a list of documents.
I provided all verifiable documents, more than what was requested.

Cashplus: That's not enough, we need also X, Y, Z.
(They already knew they would request a 2nd set of documents after a long wait period. They need to stall the verification process as long as possible to keep your money)

Sent that 2nd request of documents as well a week ago via post.
I even went to a solicitor and paid a hefty sum to have it all certified.

Verdict:
Still holding my money, for no justifiable reason.

As you have now received every possible document to verify the source of funds, as well as my identity, what other ridiculous tactic do you plan to execute next in an effort to keep my money?

It's time to take some legal action.

Very suspicious bank. Might have to resort to legal action to get back my own money

Day 3 of Cashplus, today the account is back showing and the card works, but the bank transfers dont, maybe they will later, I am very happy to add a positive today as it has been sorted out ( nearly) however I do feel that customers should be informed when accounts are to be restricted and not find out after it happens.

Day 3 of Cashplus

So four phone calls and 16 days later, but still no statements. Bunch of cowboys who have no idea how a business runs  - Had an email from Trustpilot asking me to provide Cashplus with more info - apparently a reference number is supposed to be given by customer services ???????  As stated earlier, four phone calls, a lot of "unfortunately we are not able to ...." but no reference number, no resolution, no statements.  I will be leaving a one star review several times a day until my statements reach me -  Pull your finger out Cashplus, so far absolutely useless customer service, appalling understanding of business  and a " we don't give a stuff about our customers attitude.

! star because not possible to give zero - which is what is deserves!!

Hopeless bank. You can't deposit a cheque. Payments made into the account can take more than 24hrs to show and be available. Time to look elsewhere.

Hopeless bank

Day 3 and have just spoken to Ryan .. the matter is all resolved and very professionally, I think it only fair to credit when things go right
 Day 2 of the Cashplus saga which I refuse to let go of, still no word as to why the account is suspended with nearly £6k in it, stock answers about we have no information to update you, you will get a phone call.
Sadly I havent had any phone call as to why the account was stopped in the first place and no actual time when it might be resolved and lots of other people seemingly in the same position, I am not going to let this rest no matter who I have to get involved to fight my cause.

Day 2 of the Cashplus saga which I…

Cashplus have been absolutely amazing, helping me a great deal. Excellent service just hope it continues.

Cashplus have been absolutely amazing

Immediately after I transferred money from my business account to the second cashplus account of a large amount of money. So from the cashplus account I started making transfers to my employees when the account was blocked - no information what to do?!  - I called the costumer service 4 times I heard only SORRY, please wait 5 days (the first time I called, the app was blocked) - and finally after 10 days I regained access to the account .......... To unlock the account I had to send  email from which end the money was sent and to which and including account details ...........

Immediately after I transferred money…

Extremely Poor , our buisness account was restricted because customer paid a deposit ,  and we were  told to get  his bank statement showing the deposit he made , customer refused to provide his bank statement which was a right thing as no one wants to send his personal documents to unknown company . Our account is still restricted without any type of communication from cash plus team about the way forward .

Extremely Poor

I would have given you 5 stars but I cannot log in on my PC. The PC is easier and quicker to use than a mobile telephone.

I would have given you 5 stars but I…

I have used Cashplus Bank for my business over the last year and more.  They have provided excellent communications and good service with reasonable costs.  Many thanks.

Excellent Service

Just spent 30 minutes on the phone for the guy to suddenly say he wasn't authorised to speak to me anymore - We are trying to open a joint account - We haven't even opened it yet how is this security? There's nothing to protect - We will take our business elsewhere until you can afford actual call centre workers.

Just spent 30 minutes on the phone for…

Have been with Cashplus a long time and perfectly satisfied till this morning, account blocked, customer services dont know why, its not so much that as the non advance communication from Cashplus to say they were going to do this, or why they were going to do it, business needs a little more 'partnership' than simply blocking accounts and not forewarning, I still have no idea, or a timeline when this might be resolved

Blocked account - no forewarning - not good

You holding my money for two weeks. I don’t get any access to be able  use my money. I can’t pay my workers and my supplies and because of this I’m loosing money every day coz I can’t buy any stuff and my shelves are empty. I can’t believe how is possible I’m working hard and I can’t touch the money which I made !!!! I opened  business and I was thinking I will be alright first week to pay for my supplies and because of you I having big troubles and no money for nothing !!!!
I was happy I can get quick business account and use card payment and finally my business, people who works for me and my family is suffering because my money must wait till I will pass verification.To open account for me and let money goes in you didn’t ask about anything but from me person who been opened this account you need verification it’s very unfair. Every day I m calling you and giving you all my details so I’m not understanding why it’s not enough to let me use MY MONEY!!!! and the same time don’t putting me and my business at risk of loosing money. 90% of my payments coming to your account and right now I don’t making enough cash to pay for things which keeps my shop alive. I’m also not understand why you send the card if I can not get the pin?!

You holding my money for two weeks

Easy setup, good banking app. Overall good bank account with overdraft.

Great Bank

Excellent service fast transactions and safe. Easy online app to check balance and move money.

Excellent service fast transactions and…

It was probably my fault but I appeared to have opened 2 new accounts simultaneously....I lost the signal at one point.
Did phone to query the 2 accounts and the error was quickly resolved though a later E confirmed 1 account being closed...I was unsure if it was the right one ?? as I had already started to use one.
Early days for me but it seems to have covered all things I need.,,and easy to get the hang of ....
The Account that was cancelled was the one that incurred a £69 fee !! which I did not want and not sure what it did...but all's well...Still awaiting a refund...!...but help desk is always there...GREAT

It was probably my fault but I appeared…

very easy to use, great customer service, I am new to the bank but happy so far

very easy to use

Am really enjoying my cashplus card

Some stores and my credit card don’t accept payment from my card

Some stores and my credit card don’t…

Hi
Im very happy to use Cashplus bank. I'm recommended for any friend. I hope we will make good progress with business things.
Enjoy !!!

Hello

Very good! Easy to work and secure like any bank!

Very good!

So far so good.

Excellent

I like to work with Cashplus

A business bank account that only lets you access 18 months of statements, anything later has to be requested by phone, then posted out. So an app that relies on Royal Mail to service customers. 15 days after requesting statements, I am still waiting. Not “able” to email me my banking records, very good at apologising but seem to have no understanding how a business runs. I am changing banks to one that is actually set up for business accounts, these guys are Mickey Mouse operators and their inability to give me access to my records has just cost my business £625.

A business bank account that only lets…

So far so good excellent banking product for a busy professional

So far so good excellent banking…

For some reason i can log in and my card not showing also not receiving payments atm

For some reason i can log in and my…

Friendly and helpful staff, dealt with my enquiry in an easy to understand and professional way.

Friendly and helpful staff

Cameron was very helpful and resolved issue quick

Cameron was very helpful and resolved…

Very helpful lady, made each step clear in my enquiries.

Very helpful lady

I spoke to Phil who quickly gave me all the info I needed from an old statement.
Everything was great and he's a credit to Cashplus.

I spoke to Phil who quickly gave me all…

I was having a conversation with a guy called Joe and he was very helpful.

I was having a conversation with a guy…

I would like to say thank you for all your help, and your customer support were excellent,
I also find it very easy and convenient having a contactless card to,
Thankyou again

I would like to say thank you for all…

Very nice 👍🏻👍🏻

I have been with cash plus for almost 2 years and never had any problem. the only thing is the way when you try to reach them and that charge when you try to cash but so far it worked for me , they even upgraded my account and increased my overdraft limit....

I have been with cash plus for almost 2…

Easy to use, easy to apply for, bank card is contactless and accepted everywhere, thoroughly recommend cash plus to anyone

Brilliant bank

Easy to use app always keeps you informed about different offers and account updates

Easy to use app always keeps you…

It was easy to open and have professional customer services.

Cashplus Bank

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cashplus are thieves

Very nice service

I was not advised when I opened my…

cashplus are thieves

Can't play the stock market.

Excellent service

Feel safe with banking with you

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