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Last updated: Oct 2026

Revolut vs. Starling Bank

Compare fees, travel features and everyday banking tools.
1
VS
1
Feature Breakdown
Winner!
1

9.8

Visit Site
1

9.2

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Company
Main advantage

All-in-one financial app with global spending, multi-currency accounts, investing, and advanced money management tools.

UK-focused digital bank with simple everyday banking and strong customer support.

Trustpilot
360,760 Reviews
45,799 Reviews
Fees
Free account opening
Free debit card (standard delivery)
Free ATM withdrawals

No fees for up to 5 ATM withdrawals or £200 per rolling month

Free (no set monthly limit)

Card payments abroad

No fees (weekdays, within plan limits)

No fees

Exchange rate (FX markup)

Interbank rate (weekdays, within allowance)

Mastercard exchange rate

International transfer fees

Low fees, varies by currency and amount

Limited support, fees may apply via partners

Travel Features
Multi-currency account

Hold and exchange 30+ currencies

GBP account with EUR balances available

International payments

Send money internationally in 100+ currencies

International bank transfers supported via partner services

Availability / eligibility

Available in 30+ countries

UK residents only

Currency exchange fee

Interbank exchange rates on weekdays (within plan allowance)

Mastercard exchange rate with limits on some transactions

Travel Insurance Options
Car hire insurance

Available on selected paid plans

Not currently offered
Fee-free spending abroad

Available within plan limits

No fees on card spending abroad

Winter sports insurance

Available on selected paid plans

Not available
Airport lounge access

Available on selected paid plans

Not available
Banking Features
Investment features

Stocks and commodities available in-app

Investment features not currently available
Savings accounts

Interest available on selected savings products

Interest available via Savings Spaces

Rewards and cashback

Cashback and partner rewards available

Cashback offers available through partners

Account funding options

Bank transfer, card top ups and cash deposits (fees apply)

depositsBank transfer, card payments and cash deposits (fees apply)

Kids accounts

Available with Revolut <18

Available with Kite for children
Virtual cards

Disposable and virtual cards available

Virtual cards available

Budgeting tools

Built-in analytics and spending insights

Spending Insights and Savings Spaces

Security
Card freeze/unfreeze via app
Disposable virtual cards

Disposable virtual cards

Virtual cards available

Security notifications

Real-time transaction alerts

Instant payment notifications

Spending controls

Customisable spending controls

Spending controls available

Bottom Line

Winner!
1
1
Editorial Score

9.8

9.2

Key Advantages

Revolut combines everyday banking, travel features and international payments in one app. Alongside multi-currency spending and exchange tools, it also offers budgeting features, virtual cards and paid travel benefits.

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Starling focuses on digital banking for UK users, with fee-free spending abroad, budgeting tools and a streamlined app experience. Its feature set is more focused on everyday banking than international finance.

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