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Published 11 July 2022
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Starling vs Monzo Business Account Overview

Starling and Monzo both offer business bank accounts. See what features are available with each business bank account.

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Starling and Monzo are two prominent and well-known challenger banks in the UK. And both offer business bank accounts.

Starling Bank was founded in 2014 and first offered its business bank account in 2018. Launching a little later, Monzo was founded in 2015 and introduced its own business bank account in 2020.

In terms of their business accounts, both banks have free and paid tiers, depending on what you and your organisation need. They both are protected by the Financial Services Compensation Scheme (FSCS), are FCA regulated and operate as licensed banks.

Read on to find out more about Starling and Monzo business bank accounts.

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Starling vs Monzo business accounts at a glance

Below are some of the key details to consider when comparing Starling and Monzo business accounts.

Starling BankMonzo
FCA regulatedYesYes
FSCS protectionYesYes
Licensed bankYesYes
Free UK transfersYesYes
Cash depositsYes Yes
Free ATM withdrawalsYesYes
Integration with accounting softwareYesYes (for a fee)
International transfersYesOutbound only
Create and send invoicesYes (for a fee)Yes (with a paid account)

This information is correct as of 24 June 2022.

Starling vs Monzo business accounts features

Below are currently some of the features available through Starling Bank and Monzo business accounts:

Starling BankMonzo
Mobile appYesYes
Online bankingYesYes
Debit cardYesYes
Multi-user accessYesYes (for a fee)
Deposit chequesYesYes
24/7 customer supportYesYes
Manage scheduled paymentsYesYes
No fees abroadYesYes
Add digital receipts to paymentsYesYes
Euro business accountYes (for a fee)No
US Dollar business accountYes (for a fee)No

This information is correct as of 24 June 2022.

Starling vs Monzo: what do the customer reviews say?

Below are the current customer reviews for Starling Bank and Monzo.

Starling BankMonzo
TrustPilot4.3 out of 5 (29.8k reviews)4.4 out of 5 (21.8k reviews)
App Store4.9 out of 5 (328.2k reviews)4.9 out of 5 (102.3k reviews)
Google Play4.6 out of 5 (81.1k reviews)4.7 out of 5 (82.2k reviews)

Information correct as of 24 June 2022.


If you are looking for a business bank account, then both Starling and Monzo are suitable options. Each has plenty of features that can help you manage your business and reach your goals.

Before choosing your business bank account, it is a good idea to thoroughly compare the offerings from a number of providers, and find the option that is the best fit for your needs.

Services offered by this provider may change over time. Always check Ts&Cs.

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