Zempler Bank Limited

Reference number: 671140

Instant download

Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When zemplerbank.com first appeared online, and whether it can receive email
  • What kind of line 0330 024 0924 is
  • Who else gives the postcode SE1 2QG
Instant PDF download
Other names (5)

If you were contacted under any of these names, it is this firm.

  • Advanced Payment Solutions Limited Former name
  • APS Financial Former trading name
  • Capital Recovery Solutions Former trading name
  • Cashplus Former trading name
  • Cashplus Bank Former trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • 0131 618 7132
Fake email addresses (1)
  • info@cashplusxpress.com
Fake websites (1)
  • cashplusxpress.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
  • Accepting Deposits
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Dealing in investments as principal
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
72
upheld, against a 31% median
40%
about banking and credit
72

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
04947027
Company status
Active
Company type
Private limited company
Incorporated
29 October 2003 (22 years old)
Registered office
Cottons Centre, Cottons Lane, London, SE1 2QG, England
Nature of business
  • Banks (SIC 64191)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Timothy John Sismey-Durrant Director Mar 1959 21 Nov 2018 3 other companies
Francesca Shaw Director May 1960 25 Mar 2021 None
Peter Charles Elcock Director Aug 1963 2 Dec 2021 4 other companies
Dominic Simon Francis Wade Director Aug 1972 24 Jul 2024 2 other companies
Vikas Monawer Director Feb 1966 27 Feb 2026 1 other company
Jamie Kevin Simmonds Director Jan 1960 27 Feb 2026 None
Stephen Clark Director Jul 1948 27 Feb 2026 36 other companies
Adam Mcnichol Director Mar 1984 25 Jun 2026 None
Alexandra Marie Rice Director Jan 1975 1 Sep 2026 None
Leo Alexander Nuttall Secretary Not published 31 Mar 2022 –

Other companies run by these 9 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
45
closed down
18
went insolvent
1

In the full report: all 45 companies, named

  • What each company does, and whether it is still trading
  • Which of these 9 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 7 on the FCA register, including one no longer authorised
  • The 1 company these 9 directors run together
  • All 21 people who have ever been directors, with their dates
Instant PDF download

Key dates in its history

Zempler Bank’s history from the FCA register and Companies House, newest first.

Key events (8) All events (49)

2026

27 February 2026

  • The Access Bank UK Limited took control (75–100% of shares)

Companies House

2024

8 July 2024

  • Changed its registered name from "Advanced Payment Solutions Limited"

FCA register

2021

3 February 2021

  • Regulated by the Prudential Regulation Authority from this date

FCA register · Companies House

2018

9 July 2018

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

5 February 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2003

29 October 2003

  • Incorporated at Companies House

Companies House

In the full report: all 49 events

  • All 49 events in its history (8 shown here)
  • Every director appointment and resignation: 31
Instant PDF download

Firms connected to Zempler Bank

Other FCA-listed firms that share a director, phone number or address with Zempler Bank. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share a director
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 6 past links through former directors
Instant PDF download

Firms like Zempler Bank

Other firms of the same type (bank or building society), nearest first.

In London

Santander UK PLCLondonAuthorisedMonzo Bank LimitedLondonAuthorisedNational Westminster Bank Public Limited CompanyLondonAuthorisedLloyds Bank PLCLondonAuthorisedBarclays Bank PLCLondonAuthorisedBarclays Bank UK PLCLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Zempler Bank

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 45 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 49 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Zempler Bank Limited FCA authorised?
Yes, Zempler Bank Limited (FRN 671140) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a bank or building society. The FCA has placed a limit on what it may do.
What is Zempler Bank’s phone number and website?
The FCA register lists the phone number 0330 024 0924 and the website zemplerbank.com for Zempler Bank. If you were given different contact details, use these to check with the firm before going any further.
Is Zempler Bank a scam or clone?
Scammers have impersonated Zempler Bank: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Zempler Bank, shown on this page.
Is my money safe with Zempler Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Zempler Bank to the Financial Ombudsman Service, free of charge.
Who owns Zempler Bank?
Zempler Bank is owned by The Access Bank UK Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 27 February 2026.
Who runs Zempler Bank?
Companies House lists 9 directors of Zempler Bank: Mark Timothy John Sismey-Durrant, Francesca Shaw, Peter Charles Elcock, Dominic Simon Francis Wade, Vikas Monawer, Jamie Kevin Simmonds and 3 more.
How long has Zempler Bank been in business?
The company was formed on 29 October 2003, and has held its current FCA authorisation since February 2016.
How many complaints does Zempler Bank get?
In January–June 2025, the Financial Ombudsman Service received 72 new complaints about Zempler Bank, and upheld 40% of those it decided.
Does Zempler Bank use any other names?
It has previously used 5 other names, including Advanced Payment Solutions Limited, APS Financial and Capital Recovery Solutions.

Sources and links

The full report on Zempler Bank Limited

£19.99 · Instant PDF download

Loading secure checkout…