Zempler Bank
Zempler Freedom
Score
out of 5rubric 2026.1
- FX cost on £1,500/mo
- £44.85
- Conversion fee
- 2.99%
- Fee-free allowance
- None
- Currencies held
- 1
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Who this is for
The summary is editorial. The two lists beneath it are read from this product's verified attributes against the rest of its table, and change when a figure does.
The free plan charges 2.99% on every card payment in a foreign currency and £3 per cash withdrawal abroad, which is what puts it last on the spending scenario. Zempler's paid Activeplus plan (£5.95 a month) removes both; only the free plan is priced here, consistent with the other providers' standard tiers.
Who this suits
Nothing in this product's verified data distinguishes it from the rest of this table.
Who it doesn’t
Spending abroad at around £1,500 a month, where it costs £44.85 — the most of any account here at that volume.
Occasional low-value spending. The 2.99% conversion fee applies from the first pound, with no fee-free allowance to sit under.
The score, taken apart
Every criterion, its published weight, what it earned and what that contributed.
| Criterion | Weight | Score | PointsContribution |
|---|---|---|---|
| FX cost on £1,500/mo spend | 45% | 0.00 | 0.00 |
| Currency coverage | 35% | 0.13 | 0.04 |
| Account fee | 20% | 5.00 | 1.00 |
| Total | 100% | 1.0 |
Basic tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.
Every stored figure
One row per attribute, each with the source it was read from and the date it was read. Every row has its own anchor, so a single figure can be linked to directly — for example /neobanks/zempler#monthly-fee-gbp.
| Attribute | Value | ||
|---|---|---|---|
| Monthly fee | Freezemplerbank.comVerified against the source Oct 2026 | zemplerbank.com | Verified against the source Oct 2026 |
| conversion feeWhat a provider adds to the mid-market exchange rate when it converts your money, quoted as a percentage or in basis points. It is separate from any monthly account fee, and it is usually the reason two accounts with identical headline pricing cost different amounts to use. | 2.99%zemplerbank.comVerified against the source Oct 2026 | zemplerbank.com | Verified against the source Oct 2026 |
| fee-free allowanceA monthly amount a provider converts at no charge before its conversion fee starts applying. An allowance makes a headline rate of nothing true only up to a threshold, which is why this site compares a defined spending scenario rather than a headline rate. | Nonezemplerbank.comVerified against the source Oct 2026 | zemplerbank.com | Verified against the source Oct 2026 |
| Currencies held | 1zemplerbank.comPast its re-verification window; last checked Sep 2026 | zemplerbank.com | Past its re-verification window; last checked Sep 2026 |
| Free ATM withdrawals | £3 per withdrawal abroadzemplerbank.comVerified against the source Oct 2026 | zemplerbank.com | Verified against the source Oct 2026 |
| Local account details | GBP only; payments from abroad arrive to a GB IBAN and are convertedzemplerbank.comVerified against the source Oct 2026 | zemplerbank.com | Verified against the source Oct 2026 |
| Currencies with local account details | 1zemplerbank.comVerified against the source Oct 2026 | zemplerbank.com | Verified against the source Oct 2026 |
Sources
Checked between Sep 2026 and Oct 2026.
Monthly fee · Conversion fee · Fee-free FX allowance · Currencies held · Free ATM withdrawals
Local account details · Currencies with local account details
Use this record
The figures above are meant to be quoted and checked, not just read.
Cite this pageplain text or BibTeX
Plain text
Points Architect. "Zempler Freedom: verified product record." Rubric 2026.1. Verified Sep 2026. https://pointsarchitect.com/neobanks/zempler
BibTeX
@misc{pointsarchitect-neobanks-zempler,
title = {Zempler Freedom: verified product record},
author = {{Points Architect}},
year = {2026},
howpublished = {\url{https://pointsarchitect.com/neobanks/zempler}},
note = {Verified Sep 2026; rubric 2026.1}
}Canonical URL https://pointsarchitect.com/neobanks/zempler. Every row in the attribute table has its own anchor, so a single fee can be cited without citing the whole record.
Figures on this page are dated individually to the day each was checked against its source. Nothing here is an estimate, and the score is calculated from the attributes above rather than entered by hand. See methodology.