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 Wise
Compare Starling Bank and Wise 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
Wise
Best for multi-currency and FX
Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local accou…
Head-to-head comparison
| Feature | Starling Bank | Wise |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 0.43% |
| Savings APY | 3.25% | 3.39% |
| Currencies | 3 | 40 |
| Card network | Mastercard | Mastercard |
| Deposit protection | FSCS up to 85,000 GBP | Safeguarded (FCA-authorised e-money) |
| Regulators | - | - |
| Best for | Best for business banking | Best for multi-currency and FX |
| Markets & account | ||
Pros & cons
Wise
Pros
- Mid-market exchange rate with a transparent, low FX fee
- Real local account details in 9+ currencies
- Holds and converts 40+ currencies in one balance
Cons
- Safeguarded e-money, not deposit-guarantee protected
- No physical branch or overdraft
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.
Wise
Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local account details make it the account to hold foreign currency in.
Confirm current fees and rates on the provider's site. T&Cs apply.
Not the right match?
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