Best Starling Bank Alternatives in 2026
The top Starling Bank alternatives are bunq, Monzo and Revolut Business: 15 neobank apps our editors would look at instead of Starling Bank, in our ranking order.
Starling Bank: A no-monthly-fee UK bank account with budgeting, payments and savings tools. Where it falls short: some optional services may carry charges..
Switching from Starling Bank? For most neobank apps buyers the best Starling Bank alternative is bunq, built for people needing flexible personal and business accounts.
Why People Look for a Starling Bank Alternative
- Some optional services may carry charges
- The Easy Saver interest rate is variable
- It is a bank account offering, not a conventional software subscription
Quick Picks by What You Need
- Best overallbunq9.2
People needing flexible personal and business accounts
Visit bunq - Best free optionbunq9.2
Has a free plan
Visit bunq - Most supported currenciesbunq9.2
20 currencies
Visit bunq
All 15 Starling Bank Alternatives, Ranked
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
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Best forPeople needing flexible personal and business accounts
Flexible European banking with personal and business accounts, cards, and international transfers.
- Cash deposit support
- International transfers
9.2/10★★★★★Visit bunq -
Best forUK users seeking budgeting and card controls
A free UK current account with budgeting tools, card controls and paid feature tiers.
- International transfers
9.1/10★★★★★Visit Monzo -
Best forBusinesses managing multi-currency spending
A business account for managing international money movement, cards, and expenses across teams.
- International transfers
8.9/10★★★★☆Try Revolut Business -
Best forUS users wanting no-fee checking and Zelle
Everyday checking with Zelle, cash deposits, and eligible early direct deposit.
- Early pay access
- Cash deposit support
8.7/10★★★★☆Visit Capital One -
Best forKakaoTalk users seeking transfers and savings options
A mobile-only personal bank built around KakaoTalk transfers and savings options.
- Cash deposit support
- International transfers
8.6/10★★★★☆Visit KakaoBank -
Best forJapan-based users seeking yen and foreign-currency banking
A free-to-open Japanese online bank for everyday yen banking and remittances.
- Cash deposit support
- International transfers
8.5/10★★★★☆Visit Rakuten Bank -
Best forBrazilian users who use Pix and savings goals
Nubank pairs everyday Pix payments with goal-based savings in a free mobile account.
8.4/10★★★★☆Visit Nubank -
Best forUS users focused on savings goals and early deposits
Free mobile banking with goal-based savings, round-ups and early eligible direct deposits.
8.3/10★★★★☆Visit Current -
Best forPeople who want automated savings Spaces
A neobank for organizing money and automating savings through Spaces.
8.2/10★★★★☆Visit N26 -
Best forSoFi members seeking broader money tracking
Free account tracking and budgeting extend SoFi beyond banking, with Coach access tied to membership.
8.1/10★★★★☆Visit SoFi -
Best forUK users wanting free banking with interest
A free UK current account with interest, savings Pots and fee-free foreign card spending.
8.0/10★★★★☆Visit Kroo Bank -
Best forPeople who want shared Pockets and investing
A flexible European money app with shared IBAN Pockets and investing, but conditional free pricing.
7.9/10★★★★☆Visit Vivid Money -
Best forMulti-currency users wanting a free entry plan
A mobile money account with GBP, EUR and RON options and a free entry plan.
- International transfers
7.8/10★★★★☆Visit Monese -
Best forMobile savers who also need mortgage tracking
A mobile-first option for UK savers who want savings accounts and mortgage tracking in one app.
7.7/10★★★★☆Visit Atom bank -
Best forSwiss users needing multi-currency accounts and investing
A free Swiss personal account pairs four currencies with savings and investment options.
- International transfers
7.6/10★★★★☆Visit Alpian
Starling Bank Alternatives: Common Questions
What is the best alternative to Starling Bank?
bunq: #2 in our Neobank Apps ranking, with an editor score of 9.2 out of 10. Flexible European banking with personal and business accounts, cards, and international transfers.
Is there a free alternative to Starling Bank?
Yes. bunq, Monzo, Capital One 360 Checking, KakaoBank and Rakuten Bank have a free plan or a free tier (14 of the 15 alternatives on this page).
Why do people look for Starling Bank alternatives?
Some optional services may carry charges; The Easy Saver interest rate is variable; It is a bank account offering, not a conventional software subscription.
Which Starling Bank alternative has the most supported currencies?
bunq, with 20 currencies.
How do I switch from Starling Bank?
Export your data from Starling Bank (most tools have an export in their settings). Sign up for the alternative; start on its free plan or trial if it has one. Import your export and set up the integrations your team relies on. Run both side by side for a short while, then cancel Starling Bank.
How to Switch from Starling Bank
- Export your data from Starling Bank (most tools have an export in their settings).
- Sign up for the alternative; start on its free plan or trial if it has one.
- Import your export and set up the integrations your team relies on.
- Run both side by side for a short while, then cancel Starling Bank.
Starling Bank vs Each Alternative
| # | Tool | Free plan | Paid from | Account scope | International transfers | Score |
|---|---|---|---|---|---|---|
| 1 | Starling Bank | Yes | Free | Both | Yes | 9.3 |
| 1 | bunq | Yes | €3.99/mo | Both | Yes | 9.2 |
| 2 | Monzo | Yes | £3/mo | Yes | 9.1 | |
| 3 | Revolut Business | No | Yes | 8.9 | ||
| 4 | Capital One 360 Checking | Yes | Free | Personal | 8.7 | |
| 5 | KakaoBank | Yes | Free | Personal | Yes | 8.6 |
| 6 | Rakuten Bank | Yes | Free | Both | Yes | 8.5 |
| 7 | Nubank | Yes | Free | 8.4 | ||
| 8 | Current | Yes | Free | 8.3 | ||
| 9 | N26 | Yes | 8.2 | |||
| 10 | SoFi | Yes | 8.1 | |||
| 11 | Kroo Bank | Yes | Free | Personal | No | 8.0 |
| 12 | Vivid Money | Yes | €6.90/mo | Both | 7.9 | |
| 13 | Monese | Yes | £29.95/yr | Yes | 7.8 | |
| 14 | Atom bank | Yes | Free | Both | 7.7 | |
| 15 | Alpian | Yes | Free | Personal | Yes | 7.6 |
Head-to-Head
- Starling Bank vs bunq
- Starling Bank vs Monzo
- Starling Bank vs Revolut Business
- Starling Bank vs Capital One 360 Checking
- Starling Bank vs KakaoBank
- Starling Bank vs Rakuten Bank
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update