- Languages English
- Country availability United Kingdom
- Services Full bank account
- Monthly fee Very low
- Card delivery time Mid
- Best for Everyday banking
- Bank details UK account no. & sort code
- Supported currencies Pound sterling
- Overdraft Yes
- Annual interest rate Low
- Supports cash deposits Yes
- International transfers Yes
Side-by-Side Comparison
Take a look at the table below to see how Starling Bank and Monzo stack up head-to-head:
![]() | ![]() | |
Plan | Personal account | Monzo |
Monthly Fees | £0 | £0 |
ATM Fees Abroad | 0 | 3% (after first £200 p/m) |
Card Fees Abroad | 0 | 0 |
International Transfers | 0.35%-2.5% | 0.35%-2.85% |
Card Delivery | £0 (arrives in 5-7 days) | £0 (arrival in up to 5 days) |
Express Card Delivery | - | - |
Card Model & Design | Light green Mastercard | Coral red debit Mastercard |
Contactless | ✔ | ✔ |
Google Pay | ✔ | ✔ |
Apple Pay | ✔ | ✔ |
3D Secure | ✔ | ✔ |
Currencies Available | GBP, EUR, USD | GBP |
Top-Up Methods |
|
|
Direct Debit | ✔ | ✔ |
Savings Interest | 0.0005 | Up to 3.46% |
Overdraft Facility | ✔ | ✔ |
Joint Account Availability | ✔ | ✔ |
Platforms | Mobile app only | Mobile app (web app for emergency use) |
FSCS-Insured | ✔ | ✔ |
Number of UK Customers | 2.7 million | 5.8 million |
Try Starling Bank | Try Monzo |
Last updated: 16 Jan, 2024
Compare the UK's Top Challenger Banks
Filters
Sort by
Overall Monito Score
- Overall Monito Score
- Trust & Credibility
- Service & Quality
- Starling Bank Monito Score 9.1
- Monzo Monito Score 9.0
- Languages English
- Country availability United Kingdom
- Services Full bank account
- Monthly fee Very low
- Card delivery time Fast
- Best for Everyday banking +1
- Bank details UK account no. & sort code
- Supported currencies Pound sterling +2
- Overdraft Yes
- Annual interest rate High
- Supports cash deposits Yes
- International transfers Yes
- Languages
- Wise Multi-Currency Account Monito Score 8.9
- Languages English +21
- Country availability Austria +37
- Services Multi-currency account
- Monthly fee Very low
- Card delivery time Mid
- Best for Spending while abroad
- Bank details Euro IBAN +11
- Supported currencies US dollar +50
- Overdraft No
- Annual interest rate Very low
- Supports cash deposits No
- International transfers Yes
- Languages
- Revolut Monito Score 8.6
- Languages English +20
- Country availability Austria +35
- Services All-in-one finance app
- Monthly fee Very low
- Card delivery time Mid
- Best for Spending online +1
- Bank details UK account no. & sort code +1
- Supported currencies United Arab Emirates dirham +26
- Overdraft Yes
- Annual interest rate Very low
- Supports cash deposits No
- International transfers Yes
- Languages
- Conotoxia Multi-Currency Card Monito Score 8.6
- Languages Polish +1
- Country availability Austria +28
- Services Multi-currency account +1
- Monthly fee Very low
- Card delivery time Fast
- Best for Spending while abroad
- Bank details Euro IBAN
- Supported currencies Euro +19
- Overdraft No
- Annual interest rate Very low
- Supports cash deposits No
- International transfers Yes
- Languages
- Monese Monito Score 8.0
- Languages English +11
- Country availability Austria +30
- Services All-in-one finance app
- Monthly fee Very low
- Card delivery time Fast
- Best for Easy registration
- Bank details UK account no. & sort code +2
- Supported currencies Euro +2
- Overdraft No
- Annual interest rate Very low
- Supports cash deposits Yes
- International transfers Yes
- Languages
- Zen Monito Score 7.1
- Languages English +7
- Country availability Austria +29
- Services Multi-currency account +1
- Monthly fee Low
- Card delivery time Fast
- Best for Spending while abroad
- Bank details Euro IBAN
- Supported currencies Euro +29
- Overdraft No
- Annual interest rate Very low
- Supports cash deposits Yes
- International transfers Yes
- Languages
- Pockit Monito Score 6.7
- Languages English
- Country availability United Kingdom
- Services Travel card
- Monthly fee Moderate
- Card delivery time Fast
- Best for Easy registration
- Bank details No account details (balance only)
- Supported currencies Pound sterling
- Overdraft No
- Annual interest rate Very low
- Supports cash deposits Yes
- International transfers Yes
- Languages
Read More About the Top UK Challenger Banks and Fintechs
![Monzo bank account mobile app virtual card](https://cdn.sanity.io/images/whc4dqyy/production/7119142853641c57689b51292291aae37b341623-3840x2160.jpg?w=400&fit=max&auto=format)
Monzo Review
December 1, 2022 - by Olivia Willemin
![](https://cdn.sanity.io/images/whc4dqyy/production/6c1d6786faa08d56f9cfe97e954576fdaae19ca3-1920x1277.jpg?w=400&fit=max&auto=format)
Starling Bank Review
January 16, 2024 - by Rachel Wait
![](https://cdn.sanity.io/images/whc4dqyy/production/048369c5b9edc9767bb16e0d4c61cf308426a97b-800x325.jpg?w=400&fit=max&auto=format)
Curve Review
June 26, 2024 - by Byron Mühlberg
![](https://cdn.sanity.io/images/whc4dqyy/production/6fe2a8646b7143ed25141c56c75d0ffc9c0ddbd2-5000x3337.jpg?w=400&fit=max&auto=format)
Pockit Review
December 31, 2021 - by François Briod
![Monese cards in various colors](https://cdn.sanity.io/images/whc4dqyy/production/e7fa3d361b9359871635806dfaa4aa3175031bbc-1920x1080.jpg?w=400&fit=max&auto=format)
Monese Review
June 26, 2024 - by Laurent Oberholzer
![](https://cdn.sanity.io/images/whc4dqyy/production/5917b5efc16101e42b40c00d9b922a63712fbf3b-3000x1286.png?w=400&fit=max&auto=format)
Revolut Review
May 25, 2023 - by François Briod
![](https://cdn.sanity.io/images/whc4dqyy/production/0250e7e6aec588f44399177637b35c56fb606308-3840x2160.jpg?w=400&fit=max&auto=format)
Wise Account Review
October 19, 2022 - by François Briod
![](https://cdn.sanity.io/images/whc4dqyy/production/8c60569ff21ece46ff6d36e27415aefa9887a415-3000x1286.png?w=400&fit=max&auto=format)
7 Best Online Business Bank Accounts for UK Small Business
February 27, 2023 - by Jarrod Suda
![Revolut, Bunq and N26 among the best online banks in Europe tested by Monito](https://cdn.sanity.io/images/whc4dqyy/production/d1e43f1c7d648f87a5694bc9e511922a3070fd61-3000x1286.png?w=400&fit=max&auto=format)
Best Online Banks in Europe
May 27, 2024 - by Byron Mühlberg
![UK's best free online banks picked by Monito](https://cdn.sanity.io/images/whc4dqyy/production/91341055899c7994cd9280b7b7271dae214a6b20-3000x1286.png?w=400&fit=max&auto=format)
Best Free Bank Accounts UK
January 9, 2024 - by Byron Mühlberg
![](https://cdn.sanity.io/images/whc4dqyy/production/da2e961973a955d3bcd401ee9af084b1a2a5f417-1920x1274.jpg?w=400&fit=max&auto=format)
Best US Neobanks in 2024
February 2, 2024 - by Olivia Willemin
![](https://cdn.sanity.io/images/whc4dqyy/production/15ff8f75930d412f0f4c9290ee78f658194e212e-950x500.jpg?w=400&fit=max&auto=format)
HSBC Business Bank Account: 2023 Review of Service & Fees
May 8, 2023 - by Jarrod Suda
![Top of the Rock view of the empire state building nyc, new york, usa](https://cdn.sanity.io/images/whc4dqyy/production/def1522c36a4f52a40c4ff43dfce05ee48a97bff-3995x2603.jpg?w=400&fit=max&auto=format)
Best Small Business Checking Accounts in the USA in 2024
June 28, 2024 - by Jarrod Suda
![](https://cdn.sanity.io/images/whc4dqyy/production/d6920a2aa5774aa0ff434c773585c3846ad76c9f-1030x445.png?w=400&fit=max&auto=format)
9 Best Sole Trader Bank Accounts for Self-employed in the UK
January 20, 2023 - by Jarrod Suda
![Homem com capuz e jaqueta segura o smartphone numa mão e o cartão de crédito na outra](https://cdn.sanity.io/images/whc4dqyy/production/0840c9ebdbf2c669d4b7eb1b6d377c186f2b866c-1920x1282.jpg?w=400&fit=max&auto=format)
Best Digital Banking App UK
June 24, 2024 - by Jarrod Suda
![Tide vs Starling Bank](https://cdn.sanity.io/images/whc4dqyy/production/d8dc6acadd2ccca14510b0a57c909d2f5430317b-1640x924.png?w=400&fit=max&auto=format)
Tide vs Starling Bank: Business Banking, Account Fees & Cards
February 27, 2023 - by Jarrod Suda
![](https://cdn.sanity.io/images/whc4dqyy/production/09d79862389e37071ffaec1b27761894f2c11081-5369x3401.jpg?w=400&fit=max&auto=format)
Compare Best 7 Business Bank Accounts for UK Startups 2023
September 22, 2023 - by Jarrod Suda
![](https://cdn.sanity.io/images/whc4dqyy/production/490d9271b3c0e9e739389c9925c4d03e6290b5f3-1800x771.png?w=400&fit=max&auto=format)
UK Bank Alternatives
June 26, 2024 - by Byron Mühlberg
![](https://cdn.sanity.io/images/whc4dqyy/production/26434cf08cd57df79e63f1e29df935a634bca7ad-1800x771.png?w=400&fit=max&auto=format)
EU Bank Alternatives
January 6, 2023 - by Byron Mühlberg