Get £5 free cashback and a Revolut card
- Free card delivery worth £5 with Finder
- Open an account in minutes
- Instant spending notifications
- Trusted by 8 million users
In recent years, there has been a leap in the number of challengers taking on high street banks. Traditional banks have so far failed to make online banking as easy and practical as consumers want, and new mobile banking apps such as Revolut and Starling have capitalised on this.
Challenger bank apps offer features such as fee-free spending abroad, weekly and monthly insights into your spending, and real-time information about your account – allowing you to even see contactless payments instantly in your app, or letting you freeze or cancel your debit card in an instant.
|Name||Revolut (Standard)||Starling Bank|
|Fees and charges||Free with finder.com, otherwise card delivery is £4.99||Free|
|Delivery speed||Up to 9 working days||Between 3-5 working days|
|Payments||Easy UK payments and can transfer money between 23 countries||Pay via bank transfer or using PayPal or Google Nearby|
|UK ATM withdrawals||£200 free monthly||Free|
|Spending insights||Shows spending by category, merchant, country, and month||Insights lets you compare spending between different merchants|
|Categories||10+ categories||10+ categories|
|Direct debits||Supported with both the UK account and the Euro IBAN account||Yes - future Direct Debits shown as alerts|
|Top up||Via bank transfer. Longer term users can pay in with the auto top up feature.||Via bank transfer, standing order, or have salary paid in|
|Freeze your card||Yes: touch of a button in app||Yes: touch of a button in app|
|Alerts||Sends realtime transaction notifications||Real time notifications about any account activity. Starling alerts you if you have insufficient funds to cover direct debits.|
|Interest||No interest||0.5% AER up to £2,000, 0.25% over £2,000 to £85,000|
|Savings goals||Set budgets in the app||Create different spending goals and protect money from daily spending|
|Visualisation||Spending graphs show which days you've spent most/least money||The Pulse circle graph shows you how much you have spent each day in real time and on what.|
|Foreign ATM withdrawals||£200 free monthly||Free|
|Foreign transactions fee||No fees||No fees|
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Both offer apps that are designed to help you budget. Both automatically categorise your transactions and give you insights into where you are spending your money most – by category and by shop. If you’re blowing half your salary on lattes in Starbucks, you’ll see this detail in either app.
Another key feature you get with both is total control of your card from the app. Both let you manage your account with ease and in real time, letting you temporarily freeze your cards with a touch of a button in the app.
However, you wanted a verdict so here we go.
Starling is better for people who want a simple all round UK current account, and like to go on holiday. It’s unbeatable when it comes to spending overseas.
Revolut meanwhile is better for those who are looking for a slightly more eccentric experience. You’re able to buy cryptocurrency, buy shares, hold multiple currencies and buy day-by-day insurance using Revolut. If this sounds like you then Revolut is the one to go for.
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