{"id":553616,"date":"2025-02-12T14:52:18","date_gmt":"2025-02-12T14:52:18","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=553616"},"modified":"2026-03-23T12:26:49","modified_gmt":"2026-03-23T12:26:49","slug":"starling-vs-revolut-business","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-banking\/starling-vs-revolut-business","title":{"rendered":"Starling Business vs Revolut Business: Which offers the best business bank account?"},"content":{"rendered":"

Starling<\/a> was founded in 2014, while Revolut<\/a> arrived on the scene a year later. The 2 providers offer both personal and business accounts, with Revolut becoming known for its international money transfer services and Starling standing out for its low fees and easy account management. <\/p>

This guide compares Starling\u2019s free business account with Revolut\u2019s Basic business account. Revolut offers 3 other business plans, but these charge higher monthly fees. <\/p>

Starling vs Revolut Business: Vital statistics<\/h3>
\n \n
<\/th>\"Starling<\/a><\/td>\"Revolut<\/a><\/td><\/tr>
Finder score<\/th>9.5<\/span><\/span>Excellent<\/span><\/span><\/td>8<\/span><\/span>Great<\/span><\/span><\/td><\/tr>
Customer satisfaction survey<\/th>Not yet rated<\/td>3.9 <\/span>
\u2605\u2605\u2605\u2605\u2605<\/div><\/td><\/tr>
Free spending abroad<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Interest when you're in credit<\/th>0%<\/td>0%<\/td><\/tr>
Branch access<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
FSCS protected<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Product image<\/th>
\"Starling<\/td>		\"Revolut<\/td><\/tr>
<\/th><\/td>Go to site<\/a><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

You won\u2019t have branch access with either the Starling or the Revolut Business account and neither account pays interest on account balances. However, both accounts come with a Mastercard debit card and fee-free spending overseas.<\/p>

Both Starling and Revolut have full UK banking licenses, meaning your funds will be covered up to \u00a3120,000 under the FSCS.<\/p>

Round 1: Account features<\/h3>
\n \n
<\/th>\"Starling<\/a><\/td>\"Revolut<\/a><\/td><\/tr>
Cash deposits<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Cheque deposits by post<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Cheque scanning<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Freeze\/unfreeze card in the app<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Extra cards for employees<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Accountancy software integrations<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Send money abroad<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Marketplace<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
<\/th><\/td>Go to site<\/a><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

Although these are both digital providers, Starling business customers can pay in cash at Post Office branches, as well as scan and pay in cheques via the app or send them in by post. <\/p>

Revolut Business customers are not able to do this. However, Revolut offers additional cards for company employees \u2013 something you won\u2019t be able to apply for with Starling. We have a separate guide on this<\/a> if this is important for your business.<\/p>

Both providers allow you to freeze and unfreeze your debit card within their respective apps, and they also offer accountancy software integrations and international payments. <\/p>

Winner:<\/strong> It\u2019s a tie here as it depends what you need from your account. If your business regularly needs to deposit cash or cheques, Starling is better. But if you want to hand out cards to your employees, Revolut wins. <\/p>

Round 2: Account costs<\/h3>
\n \n
<\/th>\"Starling<\/a><\/td>\"Revolut<\/a><\/td><\/tr>
Monthly account charge<\/th>Free<\/td>\u00a310<\/td><\/tr>
Fee for cash deposits<\/th>0.7% or \u00a33 minimum (at Post Offices)<\/td>Not accepted<\/td><\/tr>
Fee for cheque deposits<\/th>Free<\/td>Not accepted<\/td><\/tr>
Fee for payments in or out<\/th>Free<\/td>Free<\/td><\/tr>
Fee for direct debits<\/th>Free<\/td>Free<\/td><\/tr>
Fee for sending money abroad<\/th>Local network fee + 0.4% Starling fee<\/td>\u00a35 per transfer<\/td><\/tr>
<\/th><\/td>Go to site<\/a><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

Starling\u2019s account is free, while Revolut charges a monthly fee for all its business bank accounts. <\/p>

Starling charges 0.7% (or \u00a33 minimum) for cash deposits, while cheque deposits are free. Revolut, as we\u2019ve mentioned, doesn\u2019t permit cash or cheque deposits. <\/p>

Should you need to send money abroad, you\u2019ll pay a local network fee plus 0.4% with Starling, meaning the fee will vary, while Revolut charges a fixed \u00a35 per transfer. To secure free international transfers, you\u2019ll need to upgrade your Revolut account.<\/p>

Winner:<\/strong> Starling. No monthly fee is a big selling point.<\/p>

Round 3: Spending in the UK<\/h3>
\n \n
<\/th>\"Starling<\/a><\/td>\"Revolut<\/a><\/td><\/tr>
Free card transactions<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Contactless card limit<\/th>\u00a3100<\/td>\u00a3100<\/td><\/tr>
Free ATM withdrawals<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
<\/th><\/td>Go to site<\/a><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

There are no fees for spending on either the Revolut or Starling Mastercard in the UK and you can use contactless payments. The contactless limit for both is the UK standard of \u00a3100.<\/p>

However, while Starling also offers fee-free cash withdrawals in the UK, Revolut charges a 2% fee. <\/p>

Winner:<\/strong> Starling wins due to its fee-free cash withdrawals. <\/p>

Round 4: Using the card abroad<\/h3>
\n \n
<\/th>\"Starling<\/a><\/td>\"Revolut<\/a><\/td><\/tr>
Free foreign transactions<\/th>Unlimited<\/td>Unlimited<\/td><\/tr>
Free foreign ATM withdrawals<\/th>Unlimited<\/td>No, 2% fee<\/td><\/tr>
<\/th><\/td>Go to site<\/a><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

It\u2019s much the same story for spending overseas. Both the Revolut and Starling accounts offer fee-free card transactions overseas, but while Starling lets you withdraw cash at an ATM for free, Revolut charges 2% per withdrawal. <\/p>

Winner:<\/strong> Starling wins again thanks to its fee-free cash withdrawals.<\/p>

Round 5: Signing up<\/h3>
\n \n
<\/th>\"Starling<\/a><\/td>\"Revolut<\/a><\/td><\/tr>
Apply through the app<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Quick application<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Credit check<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Card delivery fee<\/th>Free<\/td>Free (pay delivery fee)<\/td><\/tr>
Card delivery timescale<\/th>5-7 working days<\/td>Up to 10 days<\/td><\/tr>
Replacement card fee<\/th>1 free, then \u00a35 each<\/td>\u00a34.99<\/td><\/tr>
<\/th><\/td>Go to site<\/a><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

The sign-up process for Starling and Revolut is similarly quick and easy through the app. Neither account requires a credit check.<\/p>

Both accounts come with free cards, but you may need to pay a delivery fee with Revolut (the amount will be shown in the app when you order your card). Your Starling card should arrive within 5\u20137 working days, while your Revolut card can take up to 10 days to be delivered. <\/p>

Starling also offers 1 free replacement card before it charges a \u00a35 fee. Revolut charges \u00a34.99 with no free replacement. <\/p>

Winner:<\/strong> Starling, simply because there\u2019s no delivery fee and you\u2019ll receive 1 free card replacement. Delivery is slightly quicker too. <\/p>

Round 6: Customer support and account switching<\/h3>
\n \n
<\/th>\"Starling<\/a><\/td>\"Revolut<\/a><\/td><\/tr>
Customer service via the app<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
Customer service via a telephone line<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
CASS switch guarantee<\/th><\/use><\/svg><\/td><\/use><\/svg><\/td><\/tr>
<\/th><\/td>Go to site<\/a><\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

If you\u2019re looking to switch your business account, only Starling is signed up to the Current Account Switch Service. You\u2019ll need to transfer your account manually with Revolut. <\/p>

However, both accounts offer 24\/7 in-app customer support and can be contacted via email.<\/p>

Winner:<\/strong> Starling wins here as you can switch via the Current Account Switch Service. <\/p>

Round 7: Customer reviews<\/h3>

We couldn\u2019t find a dedicated page for business reviews for Starling, but overall, it scored 4.1 out of 5 on Trustpilot, from 45,800 reviews (March 2026). Customers praised the low fees and the excellent customer service, although some found it difficult to open an account. <\/p>

Revolut\u2019s overall score was 4.7 out of 5 from almost 376,000 reviews (March 2026). Customers commented on the app\u2019s ease of use and the convenience of spending abroad. However, a few said the customer service was poor.<\/p>

Winner:<\/strong> Revolut has a higher score (just) from a larger number of reviews. <\/p>

Overall winner: Is Starling better than Revolut?<\/h3>

There are a lot of similarities between these 2 business accounts, particularly when it comes to how the accounts are managed, international transfers and fee-free spending abroad. <\/p>

However, overall, Starling takes the top spot thanks to being part of the Current Account Switch Service, no monthly fee and permitting fee-free cash withdrawals both in the UK and abroad. It\u2019s also better suited to businesses who need to pay cash or cheques into their account. <\/p>

That said, Revolut still has plenty to offer businesses, particularly if you need employee cards or you send large amounts of cash overseas. <\/p>

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<\/a>. 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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>

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