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


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

Zempler Bank and CaxtonFX 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 HomepageCaxtonFX Homepage
 

Zempler Bank vs CaxtonFX Reviews

Zempler BankCaxtonFX
Trustpilot Review Rating 3.94.8
Number of Trustpilot Reviews94894831
iPhone App Rating4.72.5
Number of iPhone App Reviews45700273
Android App Rating4.63.9
Number of Android App Reviews225001110
Note these figures we’re taken from each company’s website and may have changed since publication

Zempler Bank vs CaxtonFX Key Details

Zempler BankCaxtonFX
WebsiteClick Here to Visit Zempler Bank WebsiteClick Here to Visit CaxtonFX Website
Card TypeMastercardMastercard
Offers Physical Cards?YesYes
Offers Virtual Cards?YesYes
Offers Prepaid Cards?YesYes
Cashback Plans?YesNo
Plans for Freelancers?YesNo
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Zempler Bank vs CaxtonFX Cost

Zempler Bank PricingCaxtonFX Pricing
Zempler BankCaxtonFX
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 CaxtonFX Features

Zempler Bank FeaturesCaxtonFX 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

CaxtonFX Features

Standard

No Features Listed On Website

No Mid-Tier Plan

Not Applicable

Not Top Plan

Not Applicable

CaxtonFX Accounting Software Integrations

  • Xero
  • Quickbooks

Zempler Bank vs CaxtonFX Features Comparison

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

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Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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