Contacting Ampere: Phone, Customer Service and Complete Guide to the British Neobank Key Facts

• Customer service phone: +44 20 7964 0500
• Service hours: Monday-Friday, 9am-6pm
• Languages: French, English, Spanish
• Contact methods: Phone, Email, Mobile App, Live Chat

About Contacting Ampere: Phone, Customer Service and Complete Guide to the British Neobank

Contacting Ampere: Phone, Customer Service and Complete Guide to the British Neobank

Are you looking to contact Ampere by phone or learn more about this innovative British neobank? Ampere is a UK-based fintech that offers all-in-one business bank accounts, accessible directly from a mobile app. Unlike traditional banks, Ampere does not have a conventional phone number: all customer relations go through the app and digital channels. In this comprehensive guide, we detail everything you need to know about Ampere: its history, plans, pricing, features, security, customer service and much more. Whether you want to find the Ampere phone number, understand Ampere pricing or simply discover how to open an account, this article answers all your questions.

Ampere positions itself as a major player in the UK neobanking sector, offering British businesses a modern alternative to traditional banking institutions. Founded in 2022, this fintech has won over more than 8,000 businesses in three years thanks to an approach centered on simplicity, speed, and transparency. If you're looking for information about the Ampere phone number, Ampere customer service phone, or ways to reach Ampere by phone, you'll find all the answers here. All customer support is accessible via the Ampere app — there is no dedicated phone number to call directly, but assistance is available 24/7 via the app.

1. Background and History of Ampere

The origins of Ampere: a response to the shortcomings of traditional banking

Ampere was launched in 2022 by Novo World Ltd, a company registered in the UK, with a clear mission: to simplify the financial management of British businesses. The starting observation was simple: for most company founders, opening a business bank account was the first major administrative hurdle. Endless forms, delayed approvals, incomprehensible limits, and opaque fees — all frustrations that Ampere wanted to address with a modern and efficient solution.

The parent company, Novo World Ltd, is the developer and distributor of the Ampere apps. Its subsidiary, AMPR Finance Ltd, manages the regulated financial aspects. This dual structure allows Ampere to maintain a clear separation between technology development and financial activities subject to regulation by the UK's Financial Conduct Authority (FCA).

From its very first version, Ampere online bank allowed users to open a business account in just a few minutes directly from a smartphone. This promise of speed and simplicity immediately won over British entrepreneurs, from sole traders to tech startups, design studios, and logistics companies.

Three years of evolution: from startup to established neobank

In its three years of existence, Ampere has experienced remarkable growth. More than 8,000 businesses have joined the platform, attracted by the promise of a bank that "makes sense." Each new feature was developed in direct response to user feedback. For example, when a user pointed out that they still had to manually transfer their statements to their accountant each month, that remark directly led to the development of view-only access roles.

Ampere's story perfectly illustrates the philosophy of modern neobanks: starting from users' real needs rather than adapting legacy systems. Where traditional banks treat SMEs like scaled-down versions of large corporations, Ampere neobank recognizes that small businesses operate differently. They evolve faster, adapt constantly, and don't have the time to chase down banking support or explain a failed payment twice to their team.

The UK neobanking market in 2022-2026

To understand Ampere's emergence, its launch must be placed in the context of the UK financial market. The UK is the cradle of the global fintech revolution, with a particularly favorable ecosystem for banking innovation. The Financial Conduct Authority (FCA) has established a regulatory framework that encourages competition while protecting consumers, notably through the Electronic Money Institution (EMI) regime, which allows fintechs to offer payment services without holding a full banking license.

The UK business banking market was historically dominated by the "Big Four" (Barclays, HSBC, Lloyds, and NatWest), who held the vast majority of business accounts. Neobanks like Monzo, Starling, and Revolut first targeted consumers before turning to businesses. It was in this gap that players like Ampere positioned themselves from the outset in the professional segment, with an offering specifically designed for the needs of SMEs and entrepreneurs.

Brexit also played a role in the market's evolution. The UK's departure from the European Union created additional complexities for businesses operating between the two zones, reinforcing the need for simple and affordable multi-currency solutions. Ampere, with its GBP and EUR accounts with dedicated IBANs, provides a direct response to this post-Brexit challenge.

The UK regulatory context

Ampere operates within a strict regulatory framework in the UK. The company is registered with the Financial Conduct Authority (FCA) as an authorized electronic money institution. This means that funds deposited in Ampere accounts are "safeguarded," meaning they are protected separately from the company's own funds. However, it's important to note that Ampere is not a bank in the traditional sense and is not part of the Financial Services Compensation Scheme (FSCS), the UK deposit guarantee scheme that protects up to £85,000 per depositor per institution.

This distinction is essential for potential customers: funds are protected by electronic money regulations, but not by classic deposit insurance. This is a common feature with many neobanks and fintechs that operate under an EMI (Electronic Money Institution) license rather than a full banking license.

The long-term vision

Ampere's roadmap for the coming years focuses on the most pressing needs of British businesses: faster FX routing with more currencies, better integration with invoicing and payroll tools, expanded support for EU-based subsidiaries, and automation of compliance processes to reduce verification times. Ampere does not offer credit or loan products directly — its focus remains on current accounts and payment infrastructure, in strict compliance with FCA guidelines.

2. Ampere Plans and Pricing

Transparent pricing structure

One of Ampere's major strengths lies in the transparency of its Ampere fees and pricing. Unlike some traditional banks that multiply hidden charges, Ampere clearly displays all its costs on its website. Here is a detailed overview of the main Ampere pricing applicable in 2026:

Business Accounts

The Ampere business account is the neobank's flagship product. Here are the associated fees:

• Opening fee (Application Review): £35 — This amount covers the account opening application review. If the account is approved, all features are included. This fee is non-refundable if the application is declined.
• Monthly maintenance fee: £20/month — Maintenance fees are charged from the second month of use.
• Card issuance: £15 — Included in the opening fee for the first card. Replacement cards in case of loss or theft cost an additional £15.
• Employee card: Free
• Monthly card fees: Free
• Card transactions: Free

If you're wondering how much an Ampere business account costs, the total cost in the first year comes to approximately £255 (£35 opening + 11 months × £20), or about £21.25 per month on average. This fee includes full access to all platform features.

Private Accounts

Ampere also offers a private account, accessible once the business account is active:

• Opening fee: £25
• Monthly maintenance fee: £10/month

This private account allows you to separate personal expenses from business expenses — a considerable advantage for business owners who want to use a single platform to manage all their finances.

Transfers and currency exchange

Transfer fees are often a decisive criterion when choosing a business bank. Ampere stands out here with very competitive pricing:

• Local GBP transfer (UK Faster Payment): Free — This is a major advantage for businesses making many domestic transactions.
• Local EUR transfer (SEPA): Free — Ideal for businesses working with European partners.
• International transfer (SWIFT): £25 — For transfers from other currency accounts: $35 USD for dollar accounts, 28 CHF for Swiss franc accounts. The Ampere international transfer via SWIFT remains competitive compared to traditional banks.
• Inbound BACS transfer: £0.50
• GBP and EUR exchange rate: 0.35% of the exchanged amount
• USD and CHF exchange rate: 0.55% of the exchanged amount

These exchange rates are particularly attractive. The Ampere no foreign fees on local GBP and EUR transfers is a considerable advantage for international businesses. The Ampere transfer time for local GBP is near-instantaneous thanks to the Faster Payments system, while SEPA transfers are generally processed the same day. The Ampere instant transfer via Faster Payments allows sending and receiving funds within seconds in the UK.

Withdrawals and card usage

Fees related to withdrawals and card usage are as follows:

• Domestic ATM withdrawal: 2% + £1.50
• International ATM withdrawal: 2% + £1.50
• Foreign currency markup: 0.55% of the transaction amount
• Lost card replacement: £15
• Chargeback in case of dispute: £50

Unfortunately, free Ampere withdrawals are not available: every ATM withdrawal incurs a fee of 2% + £1.50, whether in the UK or abroad. This is one of Ampere's weak points compared to some competitors. The Ampere withdrawal limit and Ampere payment limit vary depending on the account type and can be adjusted from the app. To increase your Ampere limit, simply contact support via the app.

Merchant Services

Ampere also offers card payment acquiring services, exclusively for UK-based merchant business accounts:

• Setup fee: Free
• Rolling reserve (Low Risk): 5% of transaction amount for 120 days
• Rolling reserve (Medium Risk): 10% of transaction amount for 120 days
• GBP/EUR/USD acquiring commission (Low Risk): From IC++ 0.35%
• GBP/EUR/USD acquiring commission (Medium Risk): From IC++ 0.95%
• Other currency acquiring commission (Low Risk): From IC++ 0.65%
• Other currency acquiring commission (Medium Risk): From IC++ 1.45%

Exact pricing and conditions may vary depending on the individual review of each application. The IC++ (Interchange Plus Plus) model is considered the most transparent in the payments industry, as it allows the merchant to see the exact breakdown of fees.

Fees for international businesses

For businesses regularly making international transactions, Ampere's fee structure deserves particular attention. The £25 SWIFT transfer cost may seem high for small amounts, but it becomes competitive for large transfers. For example, on a £10,000 transfer to the US, the total cost with Ampere would be approximately £25 + 0.55% exchange = £80, whereas a traditional bank might charge £25-40 in transfer fees plus a 2-3% exchange margin, totaling £225-340. The potential savings are therefore substantial for businesses with high international volumes.

The 0.55% foreign currency markup on card transactions in a currency different from the account's primary currency is also below the market average, where markups of 1.5-3% are common at traditional banks. This competitiveness on exchange fees constitutes one of Ampere's strongest commercial arguments for internationally oriented businesses.

Comparative pricing analysis

At £20 per month in maintenance fees, the Ampere business account sits in the upper range of UK neobanks. However, this fixed monthly cost includes free local GBP and EUR transfers, which can represent substantial savings for businesses making a high volume of transactions. For a business making 100 transfers per month, the absence of per-transaction fees represents considerable savings compared to banks charging £0.20-0.50 per transfer.

3. Ampere Features

The Ampere mobile app: the heart of the experience

The Ampere mobile app is the nerve center of the entire banking experience. Available on iOS (App Store) and Android (Google Play), the app lets you manage all your business finances from your smartphone. To download the Ampere app, simply go to the App Store or Google Play Store and search for "Ampere Mobile Banking App." The app is free to download.

The Ampere customer portal is accessible from both the mobile app and a web interface. This online space allows users to check their balances, make transfers, manage their cards, and access all platform features. The interface is designed to be intuitive and fast, with a clean design that facilitates navigation.

Multi-currency account

One of Ampere's flagship features is its multi-currency account. Each business account includes:

• A UK IBAN with account number and sort code
• A European IBAN (EU IBAN)
• The ability to hold funds in GBP, EUR, USD, and CHF
• Instant exchange rate for conversion between currencies

The Ampere bank details and Ampere SWIFT BIC are provided automatically when the account is opened. A specifically French IBAN is not available — Ampere provides a UK IBAN and a European IBAN, but not a specifically French one. To update Ampere bank details, users can contact support via the app.

Bank cards: Business and Private

Ampere offers two types of Mastercard cards, allowing effective separation of business and personal expenses:

Ampere bank card Business:

• Issued from the business account
• Payment in local currency
• 24/7 access to ATM withdrawals and payments
• Online payments with no additional fees
• Ability to issue cards for employees for free

Private card:

• Available once the business account is active
• Designed for dividends, director's salary, or non-business expenses
• Spending from balance with no overdraft

The free Ampere card refers to employee cards and monthly card fees, which are zero. The main card is included in the £35 opening fee. For a lost Ampere card or in case of Ampere card theft, users can instantly freeze their card from the app. Blocking an Ampere card is instantaneous: it takes just seconds to activate, freeze, or unfreeze a card directly from the app. If you lose your Ampere card, a replacement costs £15. To report a lost card by phone, the procedure is done via the app, accessible 24/7.

Team card management

Ampere offers advanced team card management functionality. Administrators can:

• Issue cards to team members based on roles and departments
• Control spending limits per card
• Pause or activate cards instantly
• Track spending in real time

This feature is particularly useful for businesses that need to give controlled access to their funds to multiple team members. The Ampere payment limit can be set individually for each employee card, offering flexibility and total control over team spending.

Invoicing and payment tracking

The Ampere app integrates an automated invoicing system that allows you to:

• Generate and send invoices to clients directly from the app
• Track payment status in real time
• Receive notifications when a payment is received
• Manage follow-ups on unpaid invoices

This feature eliminates the need for separate invoicing software, considerably simplifying the administrative management of small and medium-sized businesses.

Access roles and permissions

Ampere offers a sophisticated access roles system that allows businesses to define different permission levels for their collaborators. For example, an accountant can be given view-only access to review statements and transactions, while a CFO can have full access with payment approval rights.

According to an internal Ampere analysis, businesses using access roles and multi-currency accounts have saved up to 41% of administrative time on financial operations by eliminating delays and centralizing tasks. This figure illustrates the concrete impact of these features on business operational efficiency.

Open Banking

Ampere integrates Open Banking features, allowing businesses to connect their Ampere accounts to other financial tools and third-party apps. This interoperability facilitates financial data aggregation and automation of certain accounting tasks, reducing the time spent on manual financial management.

Cashback program

The Ampere cashback program is available for businesses with significant spending volumes. Designed for companies spending more than £50,000 per month by card, this program offers weekly cashbacks every Monday. It's open to all business types, with no credit check, and funds are available immediately. To benefit, you need to contact the Ampere sales team via the app. Ampere cashback represents a significant advantage for large businesses with high transaction volumes.

4. Ampere Additional Services

Business Loans

Ampere offers loans to eligible businesses. Although the company is not a direct lender, it facilitates access to financing for businesses that have an established account history on the platform. Loan terms (amounts, rates, durations) vary depending on the business profile and its transaction history.

Commercial Mortgages

Among additional services, Ampere provides access to commercial mortgages, allowing businesses to finance the acquisition of commercial property. This service is generally offered through financial partners, and terms are assessed on a case-by-case basis.

Business Insurance

Ampere also offers access to professional insurance products. This integration allows businesses to purchase the necessary coverages directly from the Ampere platform, without having to deal with multiple providers. Available insurance types may include professional liability insurance, commercial premises insurance, and other coverages tailored to SME needs.

Payment Acquiring Services

One of Ampere's most important additional services is its card payment acquiring offering. Businesses can turn their website into an online store by opening a merchant account and starting to process card payments almost immediately. Setup fees are free, and acquiring commissions are competitive, based on the IC++ (Interchange Plus Plus) model.

This service is particularly relevant for e-commerce businesses and service providers who want to accept online card payments. Integration with the Ampere business account enables unified tracking of incoming and outgoing flows.

Real-time currency converter

Ampere provides a real-time currency converter on its website and in its app. This tool allows users to check exchange rates before making a conversion, including the Mastercard margin and Ampere commission. This total transparency on conversion costs is a major asset for businesses regularly making multi-currency transactions.

Referral and welcome offer

The Ampere referral program allows existing customers to recommend Ampere to other businesses. Program details and conditions are available directly in the app. As for the Ampere welcome offer, it may vary over time — it's recommended to regularly check the ampere.co.uk website or the app for current promotions.

Mobile payment compatibility

Ampere Apple Pay and Ampere Google Pay are among the features sought by many users. Ampere allows you to use its cards with major digital wallets, facilitating contactless payments from a smartphone or smartwatch. This compatibility with modern mobile payment systems enhances the convenience of Ampere's offering in everyday use.

Accessibility for different types of businesses

Ampere is designed to accommodate different types of legal structures. For Ampere business banking, accounts are open to UK-registered businesses (LTD, LLP, LP), run by directors based in the UK or EU. Ampere micro-entrepreneurs and Ampere sole traders can also benefit from the offering, provided their legal structure is compatible with Ampere's criteria. This flexibility allows Ampere to serve a wide range of businesses, from freelancers to mid-sized companies.

5. Security at Ampere

An absolute priority

Ampere account security is a fundamental priority for the neobank. Ampere implements multiple layers of protection to ensure the security of clients' funds and data. In a context where cyber threats continue to grow, Ampere continuously invests in its security infrastructure.

Two-factor authentication

Ampere two-factor authentication (2FA) is enabled by default on all accounts. This mechanism requires the user to confirm their identity via two separate channels before being able to access their account or validate a sensitive transaction. This additional layer of security significantly reduces the risk of unauthorized access, even in the event of password theft.

3D Secure for online purchases

All Ampere cards benefit from 3D Secure technology for online purchases. This protocol adds an additional verification step during Internet payments, requiring the cardholder to confirm their identity before the transaction is authorized. This protection is essential for preventing online payment fraud.

PIN code management

If you've forgotten your Ampere PIN code, users can reset their PIN directly from the app. There's no need to visit a branch or call a phone number — the entire procedure is managed digitally via the app, securely and instantly.

Instant card freezing and unfreezing

In case of suspected fraud, loss, or theft, Ampere users can instantly freeze their card from the app. Blocking an Ampere card takes effect in seconds. If the card is found, it can be unfrozen just as quickly. This responsiveness is essential for minimizing risk in the event of an incident.

High cybersecurity standards

Ampere applies high cybersecurity standards, compliant with UK and European regulatory requirements. Data is encrypted in transit and at rest, systems are regularly audited, and penetration tests are conducted to identify and remediate potential vulnerabilities.

Regulatory protection

As an electronic money institution authorized by the FCA, Ampere is required to safeguard its customers' funds. This means that deposited funds are separated from the company's own assets and held in dedicated safeguarding accounts with partner financial institutions. In the event of Ampere's failure, these funds would be protected and returned to customers.

It's important to remember that Ampere does not benefit from the FSCS (Financial Services Compensation Scheme). For customers who consider this point essential, it may be wise not to keep excessively large sums in the account and to diversify holdings across multiple institutions.

6. Ampere Customer Service

How to contact Ampere?

If you're looking for the Ampere phone number or want to call Ampere, it's essential to understand that the neobank operates exclusively through digital channels. There is no conventional Ampere telephone number or Ampere toll-free number to dial. All communication with customer service is done via the Ampere app or by email.

Here are the main ways to contact customer service:

• Via the app (integrated chat): This is the primary and recommended channel. The Ampere online chat is accessible 24/7, directly from the mobile app or web interface. To reach an Ampere advisor, simply open the support section of the app.
• By email: The Ampere contact email is help@ampr.network. This channel is suitable for less urgent requests, compliance questions, or formal complaints.
• 24/7 card support: Card-related support is available around the clock via the app.

To contact Ampere by phone, you must therefore go through the app. The reason is simple: as a 100% digital neobank, Ampere has chosen to concentrate all its support resources on digital channels, which reduces costs and offers a faster, more traceable service.

Why no phone number?

Many users look for an Ampere phone line, an Ampere phone number, or want to speak to an Ampere advisor by phone. Ampere's model, like that of many neobanks, relies on an entirely digital customer service. This choice offers several advantages:

• Traceability: Every exchange is recorded and accessible in the app's history
• Availability: App-based support is accessible 24/7, with no phone wait times
• Efficiency: Support agents can handle multiple requests simultaneously, reducing response times
• Documentation: Written exchanges provide a useful record in case of a dispute or complaint

To speak to a real Ampere advisor, the in-app chat allows you to interact with real human agents, not just chatbots. If you want to speak to a real advisor at Ampere, simply ask in the chat and an agent will handle your request.

The complaints service

The Ampere complaints service is accessible via the app and by email. If you have a complaint about a service or transaction, you can submit a formal complaint via the in-app chat or by sending a detailed email to help@ampr.network. Ampere is committed to handling complaints within the regulatory timeframes imposed by the FCA.

In case of persistent disagreement, customers can contact the Financial Ombudsman Service (FOS), the UK financial mediation body. This procedure is free for the consumer and constitutes an effective recourse in case of an unresolved dispute with the institution.

Hours and availability

The Ampere customer service hours are extensive. Chat support via the app is available 24/7 for card-related questions. For more complex requests (account opening, compliance, etc.), response times may vary, but Ampere strives to respond as quickly as possible.

There is no Ampere branch nearby or physical counter. Ampere is a 100% online neobank with no bank branches. All operations are done remotely, via the mobile app or web interface.

Summary of contact methods

To summarize, here's how to contact Ampere support:

• Calling Ampere customer service: via the integrated chat in the app (no phone number)
• Ampere telephone contact: not available — contact is via the app
• Telephone contact Ampere: replaced by chat and email
• Ampere telephone contact: via the app only
• Calling Ampere customer service: directly from the app
• Calling Ampere: chat via the app or email to help@ampr.network
• Reaching an Ampere advisor: support section of the app
• Contacting an Ampere advisor: via the 24/7 online chat
• Ampere customer service phone: support is via the app, not by phone
• Ampere customer service line: same, via the app
• Ampere customer service line: no dedicated number
• Ampere customer service phone: replaced by in-app chat
• Ampere customer service phone: use the app to contact support
• Ampere phone customer service: contact only via the app and email
• Ampere emergency number: in case of emergency, use the in-app chat (24/7) or freeze the card instantly
• Ampere emergency number: no specific number — card freezing via the app is immediate
• Ampere emergency number: use the app to block a lost or stolen card
• Ampere emergency phone: the app allows instant reaction
• Ampere emergency phone: via the app
• Ampere emergency phone: support chat is available 24/7
• Ampere phone number: non-existent, support is digital
• Ampere phone number: use the app
• Ampere phone number: no dedicated phone number
• Ampere non-premium number: not applicable, support is free via the app
• Ampere toll-free number: the in-app chat is free and unlimited
• Ampere phone: all communication goes through the app
• Ampere phone: use the integrated chat in the app
• Ampere business number: no dedicated business number
• Ampere business number: business support is via the app
• Ampere business number: chat in the app
• Ampere business phone: dedicated business support via the app
• Ampere business phone: via the mobile app
• Ampere business phone: integrated business support chat
• Ampere business phone: business support is accessible via the app only
• Speak to a real Ampere advisor: request a human agent in the chat
• Calling Ampere: via the in-app chat

7. Customer Reviews of Ampere

Overall rating and reputation

Ampere customer reviews are a valuable indicator of the neobank's service quality. On Trustpilot, Ampere displays a rating of 4.73/5 based on more than 60 reviews as of February 2026, which is a remarkably high score for a financial institution. On G2, a platform specializing in B2B reviews, Ampere also receives positive evaluations for its ease of use and professional features.

Recurring positive points in reviews

Analysis of customer reviews identifies several recurring themes:

• Speed of account opening: Many users praise the ability to open an account in minutes, without the endless formalities of traditional banks. For how to open an Ampere account, the process is simple: download the app, submit your documents, and wait for approval (usually fast).
• Intuitive user interface: The app is regularly praised for its simplicity and ergonomics.
• Responsive support: Several reviews mention fast and effective customer support via the in-app chat.
• Free GBP and EUR transfers: The absence of fees for domestic and SEPA transfers is frequently cited as a decisive advantage.
• Competitive exchange rates: FX rates starting from 0.35% are considered attractive compared to the competition.

Negative points mentioned

Despite a very positive overall rating, some reviews raise areas for improvement:

• Strict compliance checks: Some users complain about having to justify every transaction received or sent from their business account. Ampere sometimes asks for explanations about the nature of payments, which can be perceived as intrusive but results from regulatory anti-money laundering obligations.
• High maintenance fees: At £20/month for the business account, some users feel the fees are higher than those of some competitors.
• Absence of FSCS protection: The lack of coverage by the UK deposit guarantee scheme is a concern for some customers.
• ATM withdrawal fees: The 2% + £1.50 fee for ATM withdrawals is considered excessive by some users.

Industry professional reviews

Finder UK, a site specializing in financial product comparisons, summarizes Ampere's position well: "Ampere could be a useful option for businesses that want to pay a single monthly flat fee and budget accordingly. But £20 per month is quite high compared to other options." The site nonetheless highlights the advantages of free GBP and SEPA transfers, as well as competitive FX fees.

Merchant Machine, another UK comparison site, notes that Ampere offers free inbound and outbound electronic payments, which is an advantage over some competitors charging £0.20 per transaction.

Analysis of reviews by user category

Looking more closely at customer reviews, several profiles of satisfied and dissatisfied users can be identified:

• International service businesses: These users are generally very satisfied, citing savings from free SEPA transfers and competitive exchange rates as the main advantages.
• Early-stage startups: Feedback is mixed — the speed of account opening is praised, but the £20 monthly fee is considered high when revenue is still low.
• E-commerce merchants: Users of the acquiring services appreciate the all-in-one integration, although some note that the rolling reserve fees (5-10% for 120 days) tie up a significant portion of their cash flow.
• Consultants and freelancers: They appreciate the integrated invoicing and simplicity of management, but some would have preferred a lighter pricing plan with fewer features at a reduced price.

Trend of reviews over time

The overall trend in Ampere reviews is positive and improving. Early reviews (2022-2023) mentioned more technical issues and support response time delays, while recent reviews (2025-2026) reflect significant improvement in the user experience and customer service responsiveness. This progression demonstrates Ampere's ability to listen to user feedback and continuously improve.

To close an Ampere account, the procedure is also done via the app or by email. Users wishing to end their banking relationship with Ampere must contact support, transfer their remaining balance, and follow the account closure instructions.

8. Ampere vs Competitors: Monzo, Starling, and Revolut

The UK neobanking landscape

The UK neobanking market is one of the most competitive in the world. Ampere operates alongside giants like Monzo, Starling Bank, and Revolut, each with millions of customers. To help businesses make the best choice, we offer a detailed comparison of these four players.

Ampere vs Monzo Business

Monzo is one of the most popular neobanks in the UK with over 9 million customers. Its business offering, Monzo Business, comes in several plans:

• Monthly fees: Monzo offers a free Lite account and a Pro account starting at £7/month. Ampere charges £20/month, which is significantly more expensive.
• Domestic transfers: Free at both, but Monzo also includes free BACS transfers, while Ampere charges £0.50 per inbound BACS.
• Multi-currency: Monzo primarily offers GBP accounts. Ampere provides accounts in GBP, EUR, USD, and CHF with a UK and European IBAN, which is a significant advantage for international businesses.
• FSCS protection: Monzo is a licensed bank and benefits from FSCS (up to £85,000). Ampere does not have this protection.
• App: Both offer well-designed mobile apps, but Monzo has a head start in terms of community features and integrations.
• Payment acquiring: Ampere offers integrated merchant acquiring services. Monzo does not natively offer this service.

Verdict: Monzo is more affordable and benefits from FSCS protection, but Ampere offers better multi-currency coverage and integrated acquiring services. For a purely UK-based business on a tight budget, Monzo may be preferable. For an international business needing multiple currencies and merchant services, Ampere has the edge.

Ampere vs Starling Bank Business

Starling Bank is another major UK neobank, regularly award-winning for the quality of its customer service and app:

• Monthly fees: Starling offers a free business account for sole traders and £7/month for companies. Ampere is significantly more expensive at £20/month.
• Transfers: Free at Starling for domestic transfers. Same at Ampere for GBP and SEPA.
• Multi-currency: Starling offers a EUR account in addition to GBP. Ampere provides GBP, EUR, USD, and CHF, which is more comprehensive.
• FSCS protection: Starling is a licensed bank benefiting from FSCS. Ampere does not.
• ATM withdrawals: Starling offers free withdrawals within certain limits. Ampere charges 2% + £1.50 per withdrawal.
• Features: Starling offers "Spaces" (sub-accounts), accounting integrations (Xero, QuickBooks, FreeAgent), and a partner app marketplace. Ampere offers integrated invoicing, payment acquiring, and team access roles.
• Customer service: Starling is regularly ranked among the best banking customer services in the UK. Ampere offers 24/7 support via the app.

Verdict: Starling is cheaper, protected by FSCS, and offers excellent customer service. Ampere stands out with its extended multi-currency coverage (4 currencies vs 2) and integrated acquiring services. For businesses with a strong international dimension, Ampere can offer significant added value.

Ampere vs Revolut Business

Revolut is the largest European neobank, with over 40 million customers and a comprehensive range of financial services:

• Monthly fees: Revolut Business offers a free plan, a Grow plan at £25/month, a Scale plan at £100/month, and an Enterprise plan with custom pricing. Revolut's free plan already includes many features. Ampere at £20/month sits between Revolut's Free and Grow plans.
• Multi-currency: Revolut excels here with accounts in over 25 currencies. Ampere offers 4 currencies (GBP, EUR, USD, CHF), which is significantly fewer.
• Exchange rates: Revolut offers interbank rates with a markup of 0 to 0.6% depending on the plan. Ampere offers 0.35% for GBP/EUR and 0.55% for USD/CHF, which is comparable.
• International transfers: Revolut offers transfers to 150+ countries at competitive rates. Ampere charges £25 per SWIFT transfer, which is higher.
• Additional features: Revolut offers trading tools, cryptocurrency, travel insurance, VAT reclaim, and much more. Ampere focuses on essential banking features and payment acquiring.
• FSCS protection: Revolut recently obtained its UK banking license, bringing enhanced protection. Ampere does not benefit from FSCS.

Verdict: Revolut is more comprehensive, more international, and offers more features at every price point. Ampere can distinguish itself through its simplicity (less complexity for businesses that don't need 25 currencies), its integrated acquiring services, and potentially more personalized customer service due to its smaller size.

Summary comparison table

Here is a summary of the main comparison criteria:

• Monthly fees: Ampere £20 | Monzo £0-7 | Starling £0-7 | Revolut £0-100
• Currencies: Ampere 4 | Monzo 1-2 | Starling 2 | Revolut 25+
• Domestic GBP transfers: Free at all
• SEPA transfers: Ampere Free | Monzo Variable | Starling Free | Revolut Free (paid plans)
• SWIFT: Ampere £25 | Monzo Variable | Starling £5.50 | Revolut £0-5
• FSCS: Ampere No | Monzo Yes | Starling Yes | Revolut In progress
• Payment acquiring: Ampere Yes | Monzo No | Starling No (marketplace) | Revolut Yes
• ATM withdrawals: Ampere 2%+£1.50 | Monzo Limited free | Starling Limited free | Revolut Limited free

9. Case Studies: Ampere in Real Situations

Case Study 1: A London design agency

Creative Pulse Design, a London-based design agency with 12 employees, joined Ampere in 2023 after several years with a traditional bank. The main problem was the time spent managing finances: between manual transfers to European suppliers, their bank's prohibitive exchange rates, and the inability to give view-only access to their external accountant, the administrative team was spending an average of 8 hours per week on banking tasks.

After opening an Ampere account, the agency immediately benefited from several improvements. Free SEPA transfers to their European suppliers (printers in Germany, freelancers in France) saved approximately £150 per month in bank fees. The 0.35% exchange rate for EUR replaced the 2.5% their traditional bank charged, generating estimated additional savings of £300 per month on a monthly volume of approximately £40,000 in euro transactions.

The access roles feature allowed view-only access for their external accountant, eliminating the monthly manual transfer of statements and saving about 2 hours per month. Free employee cards were distributed to project managers for supply purchases and business travel, with individual spending limits. In total, Creative Pulse Design estimates it reduced its financial administrative time by 45%, from 8 to approximately 4.4 hours per week.

Case Study 2: An independent IT consultant

James, an independent IT consultant based in Manchester, has been running his limited company (LTD) since 2021. Working with clients in the UK and Europe, he needed a simple, economical, and multi-currency banking solution. After comparing several options, he chose Ampere for its GBP and EUR account with a dedicated IBAN.

The main benefit for James was the ability to receive payments in euros directly into his Ampere account, without the intermediate conversion fees his previous bank charged. His European clients could make standard SEPA transfers as if sending money to a local account. James estimated the savings at approximately £80 per month, which more than covers Ampere's £20 monthly fee.

The integrated invoicing in the app also simplified his administrative management. Instead of using separate invoicing software (which cost £10/month), James now generates his invoices directly from Ampere and tracks payments in real time. The instant notification when a client pays an invoice allows him to monitor his cash flow in real time, without having to manually check his account.

An initial point of friction was compliance checks. When receiving an unusual payment from a new Swiss client, Ampere requested supporting documents (contract, invoice) before releasing the funds. Although this procedure was perceived as cumbersome at the time, James acknowledges it's a necessary security measure in line with anti-money laundering regulations.

Case Study 3: A fast-growing e-commerce startup

GreenBox Supplies, an e-commerce startup specializing in eco-friendly products, was founded in Bristol in 2024. With rapid growth (revenue going from £5,000 to £80,000 per month in less than a year), the company needed a banking solution capable of efficiently managing both inbound flows (customer payments) and outbound flows (international suppliers).

GreenBox Supplies chose Ampere primarily for its integrated payment acquiring services. Instead of juggling between a bank, a payment provider (Stripe or PayPal), and an invoicing tool, everything was centralized on Ampere. Merchant acquiring starting from IC++ 0.35% proved competitive compared to competing offers, and the absence of setup fees was a decisive factor for a startup mindful of controlling costs.

Multi-currency management allowed GreenBox Supplies to pay its Chinese suppliers in USD and its European logistics partners in EUR, all from a single account. SWIFT transfers at £25 represented a predictable fixed cost, and exchange rates at 0.55% for USD were significantly lower than typical bank fees of 3-4%.

Employee cards were distributed to the team for marketing purchases (online advertising, SaaS tools) with individual limits. Real-time expense tracking allowed the founder to maintain total control over company finances, even while traveling. By reaching a card spending volume exceeding £50,000/month, GreenBox Supplies was able to benefit from the cashback program, generating additional returns on its spending.

The only notable drawback was the absence of FSCS protection. With balances regularly reaching £50,000-100,000, the founder opted for a prudent strategy of regularly transferring excess cash to a bank account protected by FSCS, keeping only the funds needed for daily operations in Ampere. This hybrid approach combines Ampere's operational advantages with the security of traditional deposit guarantees.

10. Ampere's Expansion and Outlook

The 2025-2026 roadmap

Ampere has defined an ambitious roadmap for the coming years, focused on the most pressing needs of British businesses. Here are the priority development areas:

• Faster FX routing: Ampere is working on improving its exchange circuits to offer more currencies and faster conversion times. The goal is to provide competitive exchange rates on a greater number of currency pairs, reducing costs for businesses making international transactions.
• Integrations with invoicing and payroll tools: One priority is to connect Ampere to the main accounting and payroll management tools used by British businesses (Xero, QuickBooks, Sage, etc.). These integrations will automate account reconciliation and reduce manual accounting data entry work.
• Expanded support for EU-based subsidiaries: With Brexit and the complexities it has created for businesses operating between the UK and the EU, Ampere wants to facilitate the financial management of European subsidiaries of its British clients.
• Automation of compliance processes: Ampere plans to automate part of the compliance checks (KYC/AML) to reduce verification times that sometimes constitute a friction point for users.

The evolution of the UK neobanking market

The UK neobanking market continues to grow and diversify. According to industry data, the UK has more than 20 active neobanks, with increasingly specialized offerings. Some focus on consumers (Monzo, Starling), others on businesses (Tide, Anna), and still others on niche markets (Cashplus for SMEs, Kroo for young adults).

In this competitive context, Ampere positions itself as a B2B (business-to-business) neobank offering an all-in-one solution for businesses. Its differentiation rests on three pillars: the multi-currency account, integrated payment acquiring, and a flat-rate rather than transactional pricing structure.

The challenges ahead

Despite encouraging growth (more than 8,000 businesses in three years), Ampere faces several challenges:

• Obtaining a full banking license: Currently operating under an EMI license, Ampere could eventually seek to obtain a full banking license, which would allow it to benefit from FSCS and offer credit products directly. This evolution would be a strong signal of credibility and longevity for existing and potential customers.
• Geographic expansion: Ampere currently serves UK-registered businesses run by directors based in the UK or EU. Expansion to other markets (continental Europe, North America) could open up significant new growth opportunities.
• Increased competition: Facing players like Revolut, which has millions of customers and a constantly expanding range of services, Ampere must continue to innovate and differentiate to maintain its market position.
• Long-term profitability: Like many fintechs, Ampere must demonstrate its ability to achieve profitability while maintaining high service quality and competitive pricing. The balance between growth and profitability is a challenge common to the entire sector.

The impact of regulation

The UK regulatory framework continues to evolve, with direct implications for Ampere and its competitors. The FCA regularly strengthens its requirements regarding consumer protection, anti-money laundering, and operational resilience. For Ampere, strict compliance with these regulations is both a cost (in terms of resources and processes) and a competitive advantage (in terms of customer trust and credibility).

The FCA's Consumer Duty initiative, which came into effect in 2023, requires financial institutions to place customers' interests at the heart of their activities. This requirement translates into reinforced obligations regarding pricing transparency, customer service quality, and product design. Ampere, with its transparent fee schedule and commitment to simplicity, is well positioned to meet these requirements.

Technology outlook

Ampere's future will also involve the adoption of new technologies:

• Artificial intelligence: AI could be used to improve fraud detection, automate compliance processes, and personalize the user experience. For example, machine learning algorithms could analyze business spending patterns to detect anomalies in real time.
• Open Banking and APIs: The development of open APIs would allow Ampere to integrate more easily with the existing fintech ecosystem, offering businesses greater flexibility in managing their finances.
• Blockchain and instant payments: The adoption of distributed ledger technologies could accelerate international payments and reduce transaction costs — an area where traditional banks often remain slow and expensive.

Conclusion on outlook

Ampere has come a remarkable way in three years, going from a fintech startup to an established neobank serving more than 8,000 British businesses. The company's vision — a bank that makes sense for modern businesses — resonates with the real needs of SMEs seeking simple, transparent, and efficient solutions.

While challenges remain numerous (competition, regulation, profitability), the fundamentals are solid: a growing customer base, differentiating features (multi-currency, integrated acquiring), and a culture of listening to users that has enabled Ampere to continuously improve since its launch. The future will tell whether Ampere manages to rise among the leaders of the UK B2B neobanking market, but the early signs are encouraging.

Frequently Asked Questions about Ampere

How to open an Ampere account?

For how to open an Ampere account, the procedure is entirely online. Download the Ampere mobile app from the App Store or Google Play Store, fill in the registration form with your business information (UK registration required), provide an ID and proof of address, and wait for validation. Opening an Ampere account generally takes a few minutes to submit the application, and approval can be obtained quickly subject to all documents being in order. Opening fees are £35 for a business account and £25 for a private account.

What is Ampere's phone number?

Ampere does not have a traditional Ampere phone number. As a 100% digital Ampere neobank, all customer support is provided via the app (24/7 online chat) and by email at help@ampr.network. To call Ampere customer service, use the integrated chat in the app. Ampere customer service phone does not exist as a traditional phone line — contact is via the app.

How to block your Ampere card in case of loss or theft?

In case of a lost Ampere card or stolen Ampere card, you can immediately freeze your card from the Ampere app. Blocking an Ampere card is instantaneous and doesn't require calling a phone number. For reporting a lost Ampere card, open the app, go to the cards section, and tap "Freeze." A replacement card can be ordered for £15. To report a lost card by phone, everything is managed via the app 24/7.

Is Ampere a safe bank?

Ampere account security relies on multiple layers of protection: Ampere two-factor authentication (2FA), 3D Secure for online purchases, data encryption, and compliance with FCA regulatory requirements. Funds are safeguarded in accordance with electronic money regulations. However, Ampere does not benefit from FSCS protection. A forgotten Ampere PIN code can be reset directly from the app.

What are Ampere's fees?

The main Ampere fees are: £35 account opening (business), £20/month maintenance, free GBP and SEPA transfers, £25 per SWIFT transfer, exchange rates starting from 0.35%. ATM withdrawals cost 2% + £1.50. Check the official pricing page at ampere.co.uk/fees for the most up-to-date information on Ampere pricing.

Can you get a French IBAN with Ampere?

A French Ampere IBAN is not available. Ampere provides a UK IBAN and a European IBAN (EU), but not a specifically French IBAN. The Ampere foreign IBAN for Europe does, however, allow you to receive and send SEPA transfers for free, which is functionally equivalent for intra-European transactions. The Ampere SWIFT BIC is provided for international transfers.

How to make an international transfer with Ampere?

The Ampere international transfer is done via the SWIFT network from the mobile app or web interface. The cost is £25 per transfer (or $35 USD / 28 CHF depending on the account currency). The Ampere transfer time for international transfers generally varies from 1 to 5 business days depending on the destination country and receiving bank. The Ampere instant transfer is available for domestic GBP transfers via Faster Payments.

How to close an Ampere account?

To close an Ampere account, contact support via the in-app chat or by email at help@ampr.network. You will need to transfer your remaining balance to another bank account and ensure there are no pending transactions. The closure procedure is handled by customer service and generally takes a few business days.

How to update your Ampere bank details?

To update Ampere bank details or modify your banking information, contact customer support via the app. Changes to sensitive data are subject to security verifications to protect your account.

Does Ampere offer contactless payments?

Yes, Ampere cards are compatible with contactless payments. Additionally, Ampere Apple Pay and Ampere Google Pay allow you to make payments from a smartphone or smartwatch. This compatibility with major mobile wallets facilitates everyday payments.

Practical Guide: Common Procedures on Ampere

Step-by-step account opening

For those wondering how to open an Ampere account, here are the detailed steps of the registration process:

1. Download the app: Go to the App Store (iOS) or Google Play Store (Android) and search for "Ampere Mobile Banking App." The app is free.
2. Create a profile: Enter your personal information (name, email address, phone number).
3. Enter business information: Provide your company registration number at Companies House, registered office address, and director details.
4. Identity verification: Submit a valid ID (passport or identity card) and a recent proof of address.
5. Pay the opening fee: Pay the £35 application review fee (non-refundable if declined).
6. Wait for validation: Verification is usually quick but may take a few days depending on the complexity of the application.
7. Receive your card: Once the account is approved, your corporate Mastercard will be sent by post.

Daily account management

The Ampere customer portal allows you to perform all routine banking operations directly from the mobile app. Here are the main features accessible on a daily basis:

• Balance checking: View your balances in real time across all currencies (GBP, EUR, USD, CHF).
• Transaction history: Review all your banking movements with filters by date, amount, or category.
• Transfers and payments: Make domestic (Faster Payments) and international (SWIFT, SEPA) transfers in a few taps.
• Card management: Activate, freeze, unfreeze your cards, and modify your security settings.
• Invoicing: Create and send professional invoices to your clients.
• Currency conversion: Convert funds between your different currency accounts at competitive rates.
• Statement export: Download your bank statements in PDF or CSV format for your accounting.

Special procedures

For special procedures like the Ampere complaints service, closing an Ampere account, or updating Ampere bank details, the process always goes through customer support accessible via the app. Formal complaints can also be sent by email to help@ampr.network. It's recommended to document every exchange and keep the case references provided by support to facilitate follow-up.

Conclusion: Ampere, a Promising B2B Neobank in the UK

Ampere has established itself in three years as a relevant banking solution for British businesses seeking a modern alternative to traditional banks. With its multi-currency account (GBP, EUR, USD, CHF), free domestic and SEPA transfers, integrated payment acquiring services, and intuitive interface, Ampere meets the concrete needs of UK SMEs, startups, and sole traders.

Admittedly, the £20 monthly fee is higher than some competitors like Monzo or Starling, and the absence of FSCS protection is a drawback. But for businesses that make a significant volume of transactions, work internationally, and want an all-in-one platform integrating invoicing, payment acquiring, and multi-currency management, Ampere offers a value proposition that's hard to beat.

To contact Ampere, remember that everything goes through the app. No Ampere phone number to call, no branch to visit — but an online chat available 24/7, with human agents ready to help. The Ampere contact email at help@ampr.network remains available for formal requests.

If you're considering opening an account with Ampere, don't hesitate to download the Ampere app from the App Store or Google Play Store and explore the features for yourself. Opening an Ampere account takes just a few minutes, and trying it out will let you judge whether this neobank meets your professional needs.

Our final recommendations

To help you determine if Ampere is the right solution for your business, here are our recommendations based on your profile:

• You're a UK SME working with European clients or suppliers: Ampere is an excellent choice thanks to its free SEPA transfers, integrated European IBAN, and competitive exchange rates at 0.35% for EUR. The savings on exchange fees more than offset the £20 monthly subscription.
• You're a freelancer or sole trader with few transactions: The cost-benefit ratio is less obvious. The £20 monthly fee can represent a significant expense if your transaction volume is low. Alternatives like Starling (free for sole traders) or Revolut's free plan might be better suited to your needs.
• You're an e-commerce merchant looking for an all-in-one solution: The integration of payment acquiring services with the business bank account is a unique Ampere advantage. Centralizing all your financial flows on a single platform considerably simplifies management and tracking of your business.
• You need FSCS protection: If deposit guarantee is an essential criterion for you, Ampere is not the ideal solution. Look toward Monzo or Starling, both of which benefit from FSCS protection up to £85,000 per depositor.
• You make many international transactions in various currencies: If you need more than 4 currencies (GBP, EUR, USD, CHF), Revolut Business with its 25+ currencies will be more suitable. However, if your needs are limited to these four main currencies, Ampere offers very competitive rates.

Whatever your profile, we recommend comparing several offerings before making your decision. Each business's financial needs are unique, and the best neobank will be the one that most precisely matches your particular situation. Don't hesitate to download the Ampere app to explore the features for yourself and assess whether the interface and services offered meet your expectations.

Sources: ampere.co.uk, Trustpilot, Finder UK, G2, Merchant Machine, Google Play Store, Apple App Store, PR Newswire, neobanks.app. Last updated: April 2026.

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