Business banking · Head to head
Starling Bank Business vs Monzo Business
Two licensed digital banks, both beloved — but they have quietly diverged: Starling invested in business depth while Monzo invested in experience.
Starling Bank Business
9.0/10vs
Monzo Business
8.2/10| Starling Bank Business | Monzo Business | |
|---|---|---|
| Account type | Fully licensed UK bank | Fully licensed UK bank |
| Free plan | Everything core included | Lite covers essentials; basics paywalled |
| Multi-user (ltd) | Available | Paid tiers only |
| Accounting | Deepest integrations; £7/mo Toolkit | Good integrations; invoicing on paid plans |
| Borrowing | Overdrafts and loans | Thinner range |
| International | EUR/USD accounts available | Simpler offering |
| UX | Excellent | The benchmark for delight |
Where Starling Bank Business wins — and where Monzo Business wins
Starling Bank Business
- More business capability free — nothing essential is paywalled
- Deeper borrowing and international options
- Accounting integrations your practice will prefer
Monzo Business
- The most enjoyable day-to-day banking experience
- Tax pots are the best habit-forming feature in the category
- Seamless if you already bank personally with Monzo
Our verdict
For a limited company or any business growing past a couple of people, Starling wins on substance. For a sole trader or tiny team who values joy and habits over breadth — and stays eligible for the free essentials — Monzo is a lovely choice that will not embarrass you.
How we compare: assessments draw on vendor documentation, published pricing, product testing where noted, and our published methodology. Prices are indicative entry-level figures — confirm current plans with vendors. We may earn commission from links on this page; it never affects our verdicts.