Zeller vs SumUp: which should you choose?
Zeller undercuts SumUp on price and bundles a free business account — but it's a brand-new UK entrant against one of the most established names in the market. This one is a genuine trade-off between price and pedigree, not a clean win either way.
Quick verdict
Zeller wins clearly on price and comes with a bundled free business account — a strong pick if the rate is your main driver and you're comfortable with a newer UK provider. SumUp remains the safer default if you want the most widely recognised, longest-tenured option in the UK market.
Who should choose Zeller
Cost-conscious businesses who want the lowest domestic card-present rate on the market, plus a free bundled business account, and don't mind backing a fintech that only launched in the UK in April 2026.
Who should choose SumUp
Businesses who value an established UK track record, the widest brand recognition among customers and staff, and a reader ecosystem that's been through years of real-world use.
Real fees, side by side
| Category | Zeller | SumUp | Winner |
|---|---|---|---|
| Domestic card-present rate | 1.3% | 1.69% flat | Zeller |
| Monthly fee | £0 | £0 (optional Payments Plus £19/mo for 0.99% domestic) | Tie |
| Business account | Bundled free business account included | Requires a separate bank account or business account | Zeller |
| Contract | None | None | Tie |
| Payout speed | Overnight to Zeller Business Account; next business day if settling externally | By 7am next day, incl. weekends, to its own free linked account | Tie |
| UK track record | Launched UK April 2026 | Long-established in the UK market | SumUp |
| WMP score | Zeller |
Zeller figures checked directly against myzeller.com/gb/pricing on 30 July 2026. SumUp figures from sumup.com. See methodology. We may earn a commission when you sign up through a link on this page — see our Affiliate Disclosure.
Cost difference at £5,000/month
| Zeller (1.3%) | £65.00/month |
| SumUp (1.69%) | £84.50/month |
| Difference | £19.50/month (£234/year) |
A meaningful gap at this volume — enough that price alone may settle it for many businesses, unless SumUp's longer track record is worth the premium to you.
Which one fits your situation
New business, cost is critical
Zeller — the lowest rate on the market plus a free account removes an extra sign-up step entirely.
Risk-averse, prefer proven providers
SumUp — years of UK operation and the most widely recognised card reader brand for staff and customers alike.
Already have a business bank account
Either works well — Zeller's bundled account becomes less of a differentiator, so the decision comes down to rate vs. track record.
Final recommendation
Neither choice is wrong here. If price and a bundled account matter most, Zeller's 1.3% rate is hard to argue with. If you'd rather back the more established name while Zeller builds its UK reputation, SumUp remains a safe, well-tested choice.
Frequently asked questions
Is Zeller or SumUp cheaper?
Zeller's 1.3% beats SumUp's 1.69% — about £19.50/month (£234/year) cheaper at £5,000/month in sales.
Is Zeller really available in the UK?
Yes — Zeller launched its UK platform in April 2026. Its official site is myzeller.com/gb; zeller.co.uk is an unrelated parked domain, not the company.
How does Zeller compare to Square?
See our Zeller vs Square head-to-head.
Methodology: Figures pulled directly from myzeller.com/gb/pricing and sumup.com official UK pricing pages on 30 July 2026. See our Editorial Policy.