Starling Bank
Pros
- FSCS-protected UK bank with no fees abroad at all
- Genuinely strong free business account
- Interest paid on the current-account balance
Cons
- Limited multi-currency holding beyond GBP, EUR and USD
- No cash-back or rewards programme
Neobank comparison
Starling Bank vs Vivid Money
Compare Starling Bank and Vivid Money side by side: fees, regulation, platforms.
Starling Bank
Best for business banking
Starling is the most complete UK bank account on this list: free abroad, FSCS protected, and with a business …
VS
Vivid Money
Best for cashback and investing
Vivid bundles spending cashback, savings interest and commission-light investing into one account, which make…
Head-to-head comparison
| Feature | Starling Bank | Vivid Money |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 0% |
| Savings APY | 3.25% | 3.50% |
| Currencies | 3 | 40 |
| Card network | Mastercard | Visa |
| Deposit protection | FSCS up to 85,000 GBP | DGS up to 100,000 EUR via Solarisbank |
| Regulators | - | - |
| Best for | Best for business banking | Best for cashback and investing |
| Markets & account | ||
Pros & cons
Vivid Money
Pros
- Cashback on everyday spending plus in-app investing
- Multi-currency pockets with interest
- Backed by a licensed partner bank with EU deposit cover
Cons
- E-money model relying on its partner bank for protection
- Best perks sit behind the paid Prime plan
Starling Bank
Starling is the most complete UK bank account on this list: free abroad, FSCS protected, and with a business account that punches far above its price.
Confirm current fees and rates on the provider's site. T&Cs apply.
Vivid Money
Vivid bundles spending cashback, savings interest and commission-light investing into one account, which makes it a strong second card for EU spenders chasing rewards.
Confirm current fees and rates on the provider's site. T&Cs apply.
Not the right match?
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