Barclays and Starling Bank both offer a range of business banking options. But which is better?
Below we compare Barclays vs Starling Bank on 61 different metrics including business savings account rates, current account fees, Trustpilot reviews and many, many more so you can decide for yourself.
Barclays vs Starling Bank Business Savings Accounts Comparison
| Barclays | Starling Bank | |
| Types of Savings Accounts | Instant access, Fixed-term Treasury Reserve Accounts | None |
| Lowest Savings Rate | 1.00% | NA |
| Maximum Savings Rate | 1.61% | NA |
| Minimum Investment Amount | £0 | NA |
| Website | Barclays Website | Starling Bank Website |
- Earn 2.25%-3.51% AER.
- Interest paid daily on both work and non-work days
- Add or withdraw money with zero restrictions 24/7
- Earn 3.55% AER (variable)
- Instant access to your money when needed
- No limits or fees on withdrawals
- Earn 3.66% – 4.51% AER.
- Offers a choice of easy access or fixed-term accounts.
- Average independent review score of 4.7 out of 5.
Barclays vs Starling Bank Free Business Bank Accounts
Below we look at the free business bank account options Barclays and Starling Bank each offer.
Barclays | Starling Bank | |
| Free Business Bank Account? | Yes | Yes |
| Free Business Account Term Length | 12 Months | Unlimited |
- Free version available forever
- Hold and exchange 25+ currencies
- IBANs for Global Transfers
- Ability to invest through your account
- Mobile business account, accessible online and on desktop 24/7
- No Monthly Fee
- 24/7 Online banking & Bank app
- Friendly UK phone support
- Xero, Quickbooks & Sage accounting software integration
- FSCS Protected up to £85k
- Basic account is free forever
- Up to £150,000 of credit, straight through the app
- Business Mastercard, with free purchases at home and abroad
- Trusted by 500,000+ UK businesses
- FSCS protected up to £85,000 via Clearbank
Barclays vs Starling Bank Fees & Pricing
Barclays | Starling Bank | |
| Cheapest Monthly Account Fee | £8.50 | £5 |
| Most Expensive Monthly Account Fee | £8.50 | £10 |
| Electronic Payments (in/out) | Free (up to 500 per month; 35p after) | free |
| Cash Payments (in/out) | 60p per £100/Free | free |
| Cheques (in/out) | 60p each/60p each | free |
| Debit Card Payments | Free | Yes |
| CHAPS Payments | £15 | £20 |
| SEPA Payments | 35p | free |
Barclays vs Starling Bank Account Types
Below we look at the different types of business bank accounts and other types of business finance solutions Barclays and Starling Bank offer.
| Barclays | Starling Bank | |
| Current Account Switch Service | Yes | Yes |
| Type of Card (Mastercard vs VISA) | Mastercard | Mastercard |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | Yes |
| Business Credit Card | Yes, via Barclaycard | Yes |
| Business Overdraft | Yes | Yes |
| Business Loans | Yes | Yes |
| Commercial Mortgages | Yes | No |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In person/Branch Banking | Yes | No |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Services | Yes, via Barclaycard | Yes |
| Free Accouting Software | Yes, FreshBooks | No |
Barclays vs Starling Bank Foreign Currency Accounts
In this section we look at what types of foreign currency accounts each bank offers.
| Barclays | Starling Bank | |
| US Dollar (USD) Bank Account | Yes | Yes |
| Euro (EUR) Bank Account | Yes | Yes |
| Other Currencies Available | Australian Dollar (AUD), Canadian Dollar (CAD), Chinese Yuan (CNY), Czech Koruna (CZK), Danish Krone (DKK), Hong Kong Dollar (HKD), Japanese Yen (JPY), New Zealand Dollar (NZD), Norwegian Krone (NOK), Polish Zloty (PLN), Singapore Dollar (SGD), South African Rand (ZAR), Swedish Krona (SEK), Swiss Franc (CHF), UAE Dirham (AED) | CAD (Canadian Dollar). |
Barclays vs Starling Bank User Reviews
| Barclays | Starling Bank | |
| Trustpilot Score (out of 5) | 1.4 | 4.3 |
| Number of Trustpilot Reviews | 8764 | 36372 |
| iPhone App Score | 4.8 | 4.9 |
| Number iPhone of Reviews | 1.7M | 431K |
| Android App Score | 4.5 | 4.5 |
| Number of Android App Reviews | 484K | 104K |
Barclays vs Starling Bank Banking Service Quality
Data for this section comes from the BVA BDRC Business banking service quality report.
| Barclays | Starling Bank | |
| Overall Service Quality Ranking | 10 | 1 |
| Overall Service Quality Score | 54% | 82% |
| Online And Mobile Banking Services Ranking | 5 | 1 |
| Online And Mobile Banking Services Score | 67% | 86% |
| SME overdraft and loan services Ranking | 5 | Not Ranked |
| SME overdraft and loan services Score | 54% | Not Ranked |
| Relationship/account management Ranking | 8 | 3 |
| Relationship/account management Score | 54% | 71% |
| Service in branches and business centres Ranking | 11 | Not Ranked |
| Service in branches and business centres Score | 43% | Not Ranked |
Barclays vs Starling Bank Overview
Here is some other key data about each bank.
| Barclays | Starling Bank | |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| Market Share | 11.93% | 0.08% |
| Bank Type | High Street | Challenger |
| Total Assets | £1,203.54 billion GBP | £11.91765 billion GBP |
| Swift/BIC Code | BARCGB33XXX | SRLGGB2LXXX |
| FCA Number | 122702 | 730166 |
| Company Number | 1026167 | 9092149 |
| Business Customer Phone Number | 0345 605 2345 | 0207 930 4450 |
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