Zempler Bank Limited

Reference number: 671140

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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.

Identity

Check their details

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.

Company details

From the company's Companies House record.

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)

Current directors and secretaries

Name Role Born Appointed
Mark Timothy John Sismey-Durrant Director Mar 1959 21 Nov 2018
Francesca Shaw Director May 1960 25 Mar 2021
Peter Charles Elcock Director Aug 1963 2 Dec 2021
Dominic Simon Francis Wade Director Aug 1972 24 Jul 2024
Vikas Monawer Director Feb 1966 27 Feb 2026
Jamie Kevin Simmonds Director Jan 1960 27 Feb 2026
Stephen Clark Director Jul 1948 27 Feb 2026
Adam Mcnichol Director Mar 1984 25 Jun 2026
Leo Alexander Nuttall Secretary Not published 31 Mar 2022

Check on the FCA register → Report a scam →

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.

Activities and protection

What they can do, and how you are protected

  • 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.

Check your FSCS cover →

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

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

What customers have complained about

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Advanced Payment Solutions Limited

Names it no longer trades under

This firm has retired 4 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • APS Financial
  • Capital Recovery Solutions
  • Cashplus
  • Cashplus Bank

Complaints record

In January–June 2025, the Financial Ombudsman Service received 72 new complaints about this firm, and upheld 40% of the ones it decided.

That is above the 31% median for the firms the Ombudsman reports on.

  • Banking and credit 72

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is Zempler Bank Limited FCA authorised?
Yes, Zempler Bank Limited (FRN 671140) is authorised by the FCA to carry out regulated activities.
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.
Is Zempler Bank a scam or clone?
Zempler Bank is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Zempler Bank's Firm Reference Number (FRN)?
Zempler Bank's FRN is 671140. You can verify it on the FCA register.