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Zempler Bank vs B4B Payments: Which Is The Better Company Expense Card?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Zempler Bank and B4B Payments are two of the leading companies when it comes to expense cards for your UK business. But which one is better?

Below we look at how they compare. From reviews to costs to features we look at all the key things you want to know before making your decision.

Zempler Bank HomepageB4B Payments Homepage
 

Zempler Bank vs B4B Payments Reviews

Zempler BankB4B Payments
Trustpilot Review Rating 3.91.7
Number of Trustpilot Reviews9489248
iPhone App Rating4.72.5
Number of iPhone App Reviews4570022
Android App Rating4.62.3
Number of Android App Reviews22500117
Note these figures we’re taken from each company’s website and may have changed since publication

Zempler Bank vs B4B Payments Key Details

Zempler BankB4B Payments
WebsiteClick Here to Visit Zempler Bank WebsiteClick Here to Visit B4B Payments Website
Card TypeMastercardVISA/Mastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?YesYes
Cashback Plans?YesYes
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Zempler Bank vs B4B Payments Cost

Zempler Bank PricingB4B Payments Pricing
Zempler BankB4B Payments
Free Plan?YesNo
Free Trial?NoNo
Cheapest Plan Price Per MonthFreePricing Not On Website
Mid Plan Price Per MonthNot ApplicableNot Applicable
Top Plan Price Per Month£9.00Not Applicable
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Zempler Bank vs B4B Payments Features

Zempler Bank FeaturesB4B Payments Features

Zempler Bank Features

Go

  • Card issuing fee-Contactless Mastercard
  • Payments & transfers-Sending money
  • Payments & transfers-Receiving money
  • Cash deposits-At any UK Post Office*
  • UK ATM withdrawals-Terms apply*
  • ATM withdrawals abroad-Terms apply*
  • Additional cards-Up to 20 cards
  • Accounting integrations-Inc. Xero, Quickbooks & Sage
  • Create invoices-To make payments easier
  • Spending reports-Categorise spending automatically
  • Export statements-PDF or CSV format
  • UK phone support-Liverpool based

No Mid-Tier Plan

Not Applicable

Extra

  • Card issuing fee-Contactless Mastercard
  • Payments & transfers-Sending money
  • Payments & transfers-Receiving money
  • Cash deposits-At any UK Post Office*
  • UK ATM withdrawals-Terms apply*
  • ATM withdrawals abroad-Terms apply*
  • Additional cards-Up to 20 cards
  • Cashback-On your card spend**
  • Creditbuilder-Improve your credit score
  • Accounting integrations-Inc. Xero, Quickbooks & Sage
  • Create invoices-To make payments easier
  • Spending reports-Categorise spending automatically
  • Export statements-PDF or CSV format
  • UK phone support-Liverpool based

Zempler Bank Accounting Software Integrations

  • Xero
  • Quickbooks
  • Sage

B4B Payments Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

B4B Payments Accounting Software Integrations

  • Xero
  • Quickbooks
  • Sage

Zempler Bank vs B4B Payments Features Comparison

Zempler BankB4B Payments
Apple Pay CompatibleNoYes
Google Pay CompatibleNoYes
Expense ClaimsNoYes
Expense ReimbursementsNoYes
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlYesNo
Budget ControlNoYes
Expense CategorisationNoYes
Compliance ManagementYesYes
Customizable Fields NoNo
Fraud DetectionYesYes
Multi-Currency CardsYesYes
Mileage TrackingNoNo
Mobile Receipt UploadYesNo
Real Time Notifications & ReportingYesYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management YesYes

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