Zempler Bank (Formerly Cashplus) Travel Currency Card Review 2025
- November 23, 2025
Two simple travel money cards (Euro or US Dollar) tied to your Zempler current account. Purchases and overseas ATM withdrawals are fee-free in the card’s currency; spending in other currencies (including GBP) uses Mastercard’s wholesale rate + 2.99% fee. UK ATM withdrawals in the card’s currency have a fixed fee (€4 for Euro / $3 for USD). Best for existing Zempler customers visiting the Eurozone or the US.
Initial Viewpoint:
Best for Zempler customers who want predictable, fee-free EUR/USD spending and cash abroad. Not ideal for mixed-currency trips due to the 2.99% fee on non-card currencies.
ptc. Rating: 3.8 / 5
Highlights
Free purchases in card currency (EUR/USD)
Free overseas ATM in card currency
Easy in-app ordering and management (typical delivery 3–5 working days)
Cautions
Methodology: Data taken from Zempler’s Travel Cards page and Currency Card Terms & Fee Summary; verified 11 Oct 2025.
2.99% fee for non-card currencies (incl. GBP)
Requires a Zempler current account to load and manage
Overview
What it is
Zempler’s Euro and US Dollar prepaid currency cards (Mastercard) linked to your Zempler current account for fee-free purchases/ATM in the card’s currency.
Who it’s for
UK residents (18+) who already bank with Zempler and want low-friction EUR/USD travel spend without FX surprises in those currencies.
Key Facts
Issuer (UK)
Zempler Bank Ltd (authorised by the PRA, regulated by the FCA & PRA; FRN 671140).
Network
Mastercard (contactless)
Protection
FSCS-eligible deposits up to £85,000 (scheme rules apply)
Card type
Bank-issued prepaid currency cards (Euro / US Dollar; not credit).
Monthly fee
FREE (both cards).
FX fee
2.99% on non-card currencies (e.g., spending GBP on the Euro card; EUR on the USD card).
ATM fees
Abroad in card currency = FREE. UK in card currency = €4 (Euro) / $3 (USD).
Topups
Transfer from linked Zempler current account; funds usually within ~30 minutes.
Limits
Max balance €5,000 / $7,500; daily ATM €500 / $500; annual ATM withdrawals unlimited.
Apple/Google Pay
Not stated for the travel currency cards (manage via app/online banking).
Last updated: 11 Oct 2025
Pricing & Fees
| Fee Type | Euro Card (EUR) | US Dollar Card (USD) | Notes |
|---|---|---|---|
|
Monthly/plan fee |
FREE |
FREE |
Cards are free to hold |
|
Purchases in card currency |
FREE |
FREE |
No transaction fee in EUR/USD respectively |
|
Purchases not in card currency |
2.99% of amount |
2.99% of amount |
Mastercard rate + 2.99% |
|
ATM cash withdrawal (Abroad, card currency) |
FREE |
FREE |
ATM owner surcharges may apply |
|
ATM cash withdrawal (UK, card currency) |
€4 per withdrawal |
$3 per withdrawal |
Fixed fee in the UK |
|
Topup by bank transfer (from Zempler) |
£0 |
£0 |
Transfer from linked GBP account; ~30 minutes |
|
Topup by debit card |
N/A |
N/A |
Not supported for currency cards |
|
Cash load (PayPoint/Post Office) |
N/A |
N/A |
Not supported |
|
Additional card |
€7.50 |
$10.00 |
Optional |
|
Card renewal |
€4.95 |
$4.95 |
|
|
Replacement card |
€7.50 |
$7.50 |
|
|
Cancellation/refund fee (if applicable) |
€10.00 |
$15.00 |
When refunding remaining balance on closure |
FX & ATM Details
FX conversion
Non-card currencies use Mastercard wholesale rate + 2.99% fee. Avoid DCC (Dynamic Currency Conversion) at ATMs/merchants.
Free ATM allowance
Free when withdrawing in the card’s currency overseas; UK fee applies for card-currency cash withdrawals.
Top-ups & Payments
| Method | Fee or limit | Notes |
|---|---|---|
|
Faster Payments (bank transfer) |
£0 |
Transfer from linked Zempler GBP account; ~30 minutes |
|
Debit card load |
N/A |
Not supported for currency cards |
|
Cash load (PayPoint/Post Office) |
N/A |
Not supported |
|
Apple Pay / Google Pay |
N/A |
Use the physical currency card; manage via app/online banking |
Applying for the Card?
Apply from your Zempler account. Standard ID and account checks apply for eligibility. Designed primarily for existing Zempler customers.
Limits & KYC
| Tier | Load limit (daily) | ATM limit (daily) | ID required |
|---|---|---|---|
|
Basic (lite KYC) |
— |
— |
Name, email, phone (account opening) |
|
Standard (full KYC) |
Max balance €5,000 / $7,500 |
€500 / $500 per day |
Photo ID & address |
|
Enhanced (higher caps) |
Not advertised |
Not advertised |
Additional checks (e.g., source of funds) if requested |
App & Features
Virtual/disposable cards
Not stated for travel cards
Controls
Manage card & view transactions in Mobile App and Online Banking
Budgeting/analytics
Real-time balance/transactions in app
Cards
Physical Mastercard; easy in-app ordering; typical delivery 3–5 working days
Security
Standard card security; PIN help/activation via support flows
Who it’s for (and who it’s not)
Best For
Zempler personal customers travelling to the Eurozone/US who want fee-free card-currency purchases and ATM withdrawals, with simple top-ups from their GBP account.
Not ideal for
Mixed-currency itineraries or travelers who expect to spend frequently in currencies other than the card’s currency (2.99% FX fee); anyone who doesn’t hold a Zempler current account.
Pros
Free purchases in card currency (EUR/USD)
Free overseas ATM in card currency
Clear, predictable fee model
Simple top-ups from linked Zempler account
Cons
2.99% fee for non-card currencies (incl. GBP)
Requires a Zempler current account
Balance and daily ATM cap
How it compares
At a glance: Zempler’s fixed‑currency model (EUR/USD) gives fee‑free usage only in the card’s currency; multi‑currency e‑money cards often offer interbank‑style FX but may charge for ATM or require paid tiers.
| Feature | Zempler Travel Currency Card | Multi currency travel card | No fee abroad UK debit card |
|---|---|---|---|
|
Wallets |
Single currency (EUR or USD) |
Multiple currencies |
No wallets |
|
Purchases in wallet currency |
Free |
Often free |
Often free |
|
Non wallet currencies |
Mastercard wholesale rate plus a fee |
Provider rate or spread |
Scheme rate, sometimes no FX fee |
|
ATM pricing |
Free abroad in card currency; Euro card €4 in UK |
Free up to a plan cap then fee |
Often £0 issuer fee with daily cash caps |
Alternatives
Wise multi-currency card
Hold many currencies with interbank-style FX and strong global acceptance. Check ATM caps and transfer fees.
Revolut Travel Money Card
Multi-currency wallets with plan tiers, smart app controls and travel perks on higher plans. Review weekend FX markups and fair usage.
Starling Bank debit card
Simple fee-free FX on a UK current account with strong acceptance. Check ATM and replacement policies.
Caxton travel money card
Multi-currency wallet with 15 currencies and £0 Caxton fees abroad. Red plan advertises 0% FX markup.
Ratings
| Category | Score 1 to 5 | Notes |
|---|---|---|
|
Fees and FX |
4 |
0% in card currency; 2.99% otherwise |
|
ATM and cash |
4 |
Free overseas in card currency; UK fee applies |
|
Topups |
3 |
Internal transfers only |
|
Features and app |
3 |
App controls; physical card; 3–5 day delivery |
|
Support and trust |
5 |
UK bank; FSCS on eligible deposits |
Compliance & Methodology
Regulatory
Zempler Bank Ltd is authorised by the PRA and regulated by the FCA & PRA (FRN 671140). FSCS eligibility up to £85,000 on deposits.
Data sources
Zempler Travel Cards page; Currency Card Terms & Conditions (Fee Summary); Help Centre; FSCS info page – checked 11th Oct 2025.
Editorial policy
Independent, fact‑checked comparison.
Click here for editorial guidelines.
Ready to apply?
Compare Zempler Bank Travel Money Card with
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FAQs about Zempler Bank Travel Money Card
No. You need to open a Zempler personal current account first.
Yes, when withdrawing overseas in the card’s currency. UK withdrawals in the card currency have a fixed fee (€4 / $3)
Mastercard wholesale rate applies plus a 2.99% fee
Transfer from your linked Zempler current account; funds usually appear within about 30 minutes.
Zempler is covered by the FSCS for eligible deposits if it can’t meet obligations; see the bank’s FSCS information and Currency Card Terms.
What You Should Do Now
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Read Expert Reviews.
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