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Zempler Bank Limited
Legal entity: Zempler Bank Limited
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 04947027, incorporated October 2003
95banking decisions
50.5%uphold rate
47not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| APP scam refund refused | 28 | 12 | 42.9% |
| Funds blocked or frozen | 27 | 18 | 66.7% |
| Account closed or refused | 19 | 11 | 57.9% |
| Complaint handling | 15 | 8 | 53.3% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FCA | 2025-H2 2025-04-01 to 2025-09-30 | 43.0% | 1,519 | 1,538 | — |
| FCA | 2025-H1 2024-10-01 to 2025-03-31 | 44.0% | 1,507 | 1,456 | — |
| FCA | 2024-H2 2024-04-01 to 2024-09-30 | 46.9% | 1,805 | 1,816 | — |
| FCA | 2024-H1 2023-10-01 to 2024-03-31 | 45.5% | 1,769 | 1,624 | — |
| FOS | 2025-H2 | 33.0% | — | — | 113 |
| FOS | 2025-H1 | 40.0% | — | — | 72 |
| FOS | 2024-H2 | 36.0% | — | — | 115 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.