Revolut vs Starling

Revolut and Starling are both challenger banking brands with a slick app. Find out the key differences between them using our side by side comparison.

Revolut and Starling have transformed the way we bank, with real-time account information, fee-free spending abroad and detailed insights into your spending. They provide cheap (or free) easy mobile banking and a great alternative to the traditional banks. If you’re undecided about which account to open, we take an in-depth look at both Revolut and Starling to help you decide between the two.

Revolut vs Starling: Vital statistics

Revolut StandardStarling Bank
Finder score4.2
★★★★★
4.7
★★★★★
Customer satisfaction survey4.6
★★★★★
4.9
★★★★★
Free spending abroad
Arranged overdraftNo overdrafts15%, 25% or 35% EAR
Representative exampleN/AIf you use an arranged overdraft of £1,200, you'll be charged interest at 15% EAR variable.
Interest when you're in credit0%3.25%
Branch access
FSCS protected
Sign-up bonus
Amount£20N/A
Product imageRevolut StandardStarling Bank
Find out more

With the free Revolut account (called Revolut “Standard”) you receive a blue and pink two-tone card, while Starling’s free (and only) current account comes with a teal-coloured vertical card.

Neither apps have branches, but you can withdraw or deposit money into your Starling account at Post Office counters. Unlike Revolut, Starling also pays interest on current account balances (3.25% AER interest on balances up to £5,000). You can also apply for an overdraft with Starling, a facility that Revolut doesn’t offer.

Starling has a UK banking licence, which means individual customer funds up to the value of £85,000 are protected by the Financial Services Compensation Scheme (FSCS) if the bank goes bust. Revolut doesn’t have a UK banking licence, so doesn’t come with FSCS protection. But as a FCA-registered electronic money institution, it does keep its customers’ funds in a separate account at a licensed UK bank, which means the money is ring-fenced should Revolut cease operating.

In Finder’s 2024 Banking Customer Satisfaction Awards, Starling scored 4.9 out of 5 stars in our customer survey, with 100% of its customers saying they would recommend the current account. Meanwhile, Revolut scored 4.6 out of 5 stars, with 95% of its customers saying they would recommend one of its e-money accounts.

Finally, Revolut currently runs a number of welcome promotions including a sign-up bonus for new customers where if you open an account, you can receive £20.

Round 1: App features

Revolut StandardStarling Bank
Visual breakdown of spending
Spending categoriesCustomisable53
Set spending budgets
Set up direct debits in the app
Top up via bank transfer
Have salary paid in
Separate savings accounts
Round-ups
Customer service via the app
Customer service via a telephone line
Cheque scanning
Freeze/unfreeze card in app
Send money abroad
Fee for sending money abroadFree in SEPA region, between 30p and £5 to send elsewhereLocal network fee + 0.4% Starling fee
Find out more

Revolut and Starling both have a comprehensive range of features available in their mobile banking apps. Both have spending categories, where your transactions are automatically placed into an appropriate category, such as utility bills or eating out. Although with Revolut you can create and customise your categories, whereas with Starling they are pre-set.

You can also analyse your daily, weekly or monthly spending insights in both apps, which helps you set budgets, as well as receive alerts you when payments go in and out of your account.

Revolut’s “Vaults” and Starling’s “Goals” let you put money aside for specific treats or targets, like a holiday or a savings goal. Plus both offer “round-ups”, where spare change from your transactions can be “rounded up” and put into your savings bucket.

You can pay your salary into either your Revolut or Starling account, manage direct debits and make international payments. You can freeze or unfreeze your card in the apps, as well as contact both customer service teams through the in-app chats. With Starling you can also speak to customer service agent over the phone, but that’s not possible with Revolut.

You can also use Starling’s cheque scanning tool to pay cheques into your account should you need to, whereas Revolut doesn’t accept cheque deposits at all – or cash deposits, for that matter.

  • Winner: Tie. Most of this duo’s feature options are identical, so this is too close to call. In terms of the few differences, Revolut has the advantage of customisable spending categories, while Starling offers the ability to digitally deposit cheques and speak to the customer service team on the phone.

Round 2: Spending in the UK

Revolut StandardStarling Bank
Free card transactions in the UK
Contactless card limit£100£100
Apple Pay
Google Pay
Samsung Pay
Free ATM withdrawalsLimited to £200 per
month or 5 withdrawals
Limited to 6 withdrawals per day, with a daily limit of £300
Find out more

Spending on your Revolut or Starling card is free in the UK, and both cards currently have the standard contactless limit of £100.

You can also add your Revolut card or Starling card to Apply Pay and Google Pay, but only Starling supports Samsung Pay.

Starling offers unlimited free ATM withdrawals in the UK. With Revolut you can make up to 5 ATM withdrawals or take out £200 for free every month – whichever of those limits you hit first will trigger the subsequent charge of 2% on each following withdrawal (with a minimum fee of £1).

  • Winner: Starling, for its unlimited free ATM withdrawals in the UK (plus its Samsung Pay feature, if that happens to be your mobile wallet of choice).

Round 3: Using the card abroad

Revolut StandardStarling Bank
Free foreign transactionsLimited to £1,000 per monthUnlimited
Free foreign ATM withdrawalsLimited to £200 per monthUnlimited
Find out more

With Starling there is no charge for using its card to make a purchase abroad, or for using the card to take money out of a foreign ATM.

With Revolut, it’s a bit more complicated. You can use your card to make purchases abroad for free on weekdays, up to a monthly limit of £1,000. You can use your card to withdraw money abroad for free on weekdays, up to a monthly limit of £200. But on the weekends, a mark-up of 0.5% applies to both card spending and cash withdrawals overseas (Revolut says this is because the international money markets close over the weekend). That 0.5% mark-up relates to all the major currencies, but for some minor currencies it rises to 2%.

  • Winner: Starling. Free card spending and free ATM withdrawals at any time, wherever you are in the world. Simple.

Round 4: Sending money overseas

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Name Product UKFMT Fastest transfer Fee Key benefits Amount received
OFFER
Revolut
Within minutes
From £0
Sign up and get 3 months of Revolut Premium for free. T&Cs apply.
$1,465.36
Starling
Starling
24 hours
£5.50
$1,453.91
loading

Please note: You should always refer to quotes you receive from transfer services themselves directly for exact amounts as they may vary from our estimates.

  • Winner: Revolut, thanks to its free (albeit with conditions) money transfers feature.

Starling and Revolut both offer impressive free online current accounts, with a range of features, but you’ll need to look at the fine print to decide your best option. This includes thinking about setting up the account. For example, Starling is a member of the Current Account Switching Service, which makes current account switching automatic within 7 days. Revolut isn’t signed up so you’ll have to move any regular payments over manually.”

Rebecca Goodman, financial journalist

Round 5: Account types

Revolut StandardStarling Bank
Free account
Premium account
Joint account
Teen account (for 16- and 17-year olds)
Kids' account or card
Business account
Find out more

Revolut and Starling both offer free e-money and current accounts. For Starling, it’s the only personal current account it operates, but Revolut has expanded its e-money account range with four paid-for tiers – Plus, Premium, Metal and Ultra.

Starling offers joint accounts and business accounts, which Revolut doesn’t. Starling also operates a kids’ card called Starling Kite, while Revolut has a kids’ account called Revolut <18 Account (both of which are managed through the parent’s account).

  • Winner: Tie. Both have a free account that can be linked to a kids’ card or account. If you’re after a joint account or a business account, then head over to Starling, but if you want a paid-for premium account with some perks, check out Revolut.

Round 6: Signing up

Revolut StandardStarling Bank
Apply through the app
Quick application
Credit check
Card delivery fee£4.99Free
Card delivery timescaleUp to 9 working days3-5 working days
Find out more

You can apply for either a Revolut or a Starling account through their respective mobile apps in a matter of minutes. There are no credit checks, although a photo of your ID and a selfie is required. The accounts are then usually opened on the same day and both the cards are sent through the post. Starling does this for free, while Revolut charges £4.99 for card delivery.

  • Winner: Starling. Although both accounts are quick and easy to open digitally, Revolut charges a fiver to have your card delivered and the standard delivery time is not even that speedy.

Round 7: Access to extra benefits

Revolut StandardStarling Bank
Free euro account
Marketplace
Trade shares
Buy gold and silver
Find out more

With Revolut, you can open a free euro account alongside your main account. Meanwhile, Starling offers access to a “marketplace” where you sign up to financial products from its selected partners, who deal in things like insurance or pensions.

But the other extra features available with a Revolut account is probably where it comes into its own. You have the option to trade shares or buy gold and silver through your Revolut account. Fees per trade do apply for Revolut “Standard” account holders, but the ability to do this through an e-money account remains pretty unique.

  • Winner: Revolut, for the additional options around trading directly through its banking app (although remember, your capital is at risk if you do decide to make investments).

Round 8: Customer reviews

On Trustpilot, Revolut has a score of 4.2 out of 5 from over 167,000 reviews. Starling has a score of 4.3 from 41,500 reviews. These were checked in November 2024.

Reviews said Revolut is easy to use, though there was some frustration about accounts or transactions being frozen while they were under review.

Starling customers said the app was easy to use and they liked getting interest on their money, but there were some complaints about technical problems.

In our 2024 Finder Customer Satisfaction Awards, Revolut scored 4.6 out of 5, with 95% of those surveyed saying they’d recommend the brand to a friend. Starling did even better, with 4.9 out of 5 stars and 100% of the customers we surveyed saying they would recommend the bank to a friend.

  • Winner: Starling, with better scores in both.

Overall winner: Which is better, Revolut or Starling?

Starling. The free accounts from Revolut and Starling are very similar. Both are managed via an app, both have spending analysis and budgeting features, and both accounts can be used to make international transfers.

This makes it hard to choose one above the other, but if we had to pick just one to open, it would probably be Starling. It’s a completely rounded current account, with the ability to deposit cash and cheques (which you can’t do with Revolut), plus it’s unbeatable when it comes to spending and withdrawing money overseas (whereas Revolut imposes limits on it’s free allowances for this). Starling’s UK banking licence means that its customers’ deposits are protected by the FSCS, and it doesn’t charge you for delivering your card.

That’s not to say that Revolut doesn’t have some distinct advantages of its own. It’s currently free to transfer money to any account in the SEPA (Single European Payments Area) region, plus if you’re interested in trading then you can do it directly from your Revolut app.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Rebecca Goodman's headshot
To make sure you get accurate and helpful information, this guide has been reviewed by Rebecca Goodman, a member of Finder's Editorial Review Board.
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Deputy editor

Michelle Stevens is a deputy editor at Finder, specialising in banking, credit, loans and mortgages. She has a journalism degree from the University of Sheffield and has been a journalist for 15 years, writing on topics including fintech, payment systems and retail. In her spare time, Michelle likes to travel, explore new foodie experiences and attempt to improve her own culinary skills. See full bio

Michelle's expertise
Michelle has written 127 Finder guides across topics including:
  • Banking
  • Mortgages
  • Credit
  • Fintech
  • Payments
  • Loans

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