Co-operative Bank and Starling Bank both offer a range of business banking options. But which is better?
Below we compare Co-operative Bank 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.
Co-operative Bank vs Starling Bank Business Savings Accounts Comparison
| Co-operative Bank | Starling Bank | |
| Types of Savings Accounts | Instant Access, 35 or 95 Day Notice Accounts | None |
| Lowest Savings Rate | 1.53% | NA |
| Maximum Savings Rate | 2.42% | NA |
| Minimum Investment Amount | £0 | NA |
| Website | Co-operative Bank 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.
Co-operative Bank vs Starling Bank Free Business Bank Accounts
Below we look at the free business bank account options Co-operative Bank and Starling Bank each offer.
Co-operative Bank | Starling Bank | |
| Free Business Bank Account? | Yes | Yes |
| Free Business Account Term Length | 24 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
Co-operative Bank vs Starling Bank Fees & Pricing
Co-operative Bank | Starling Bank | |
| Cheapest Monthly Account Fee | Free | £5 |
| Most Expensive Monthly Account Fee | £10 | £10 |
| Electronic Payments (in/out) | £0.20 | free |
| Cash Payments (in/out) | £0.30/£1.50 | free |
| Cheques (in/out) | £0.30 / £1.50 | free |
| Debit Card Payments | Yes | Yes |
| CHAPS Payments | £25 | £20 |
| SEPA Payments | free | free |
Co-operative Bank vs Starling Bank Account Types
Below we look at the different types of business bank accounts and other types of business finance solutions Co-operative Bank and Starling Bank offer.
| Co-operative Bank | 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 | 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 | Yes |
| Free Accouting Software | No | No |
Co-operative Bank vs Starling Bank Foreign Currency Accounts
In this section we look at what types of foreign currency accounts each bank offers.
| Co-operative Bank | Starling Bank | |
| US Dollar (USD) Bank Account | No | Yes |
| Euro (EUR) Bank Account | No | Yes |
| Other Currencies Available | None | CAD (Canadian Dollar). |
Co-operative Bank vs Starling Bank User Reviews
| Co-operative Bank | Starling Bank | |
| Trustpilot Score (out of 5) | 3.7 | 4.3 |
| Number of Trustpilot Reviews | 5034 | 36372 |
| iPhone App Score | 4.8 | 4.9 |
| Number iPhone of Reviews | 38858 | 431K |
| Android App Score | 3.3 | 4.5 |
| Number of Android App Reviews | 4971 | 104K |
Co-operative Bank vs Starling Bank Banking Service Quality
Data for this section comes from the BVA BDRC Business banking service quality report.
| Co-operative Bank | Starling Bank | |
| Overall Service Quality Ranking | 15 | 1 |
| Overall Service Quality Score | 42% | 82% |
| Online And Mobile Banking Services Ranking | 15 | 1 |
| Online And Mobile Banking Services Score | 35% | 86% |
| SME overdraft and loan services Ranking | Not Ranked | Not Ranked |
| SME overdraft and loan services Score | Not Ranked | Not Ranked |
| Relationship/account management Ranking | 15 | 3 |
| Relationship/account management Score | 37% | 71% |
| Service in branches and business centres Ranking | 7 | Not Ranked |
| Service in branches and business centres Score | 48% | Not Ranked |
Co-operative Bank vs Starling Bank Overview
Here is some other key data about each bank.
| Co-operative Bank | Starling Bank | |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| Market Share | 0.33% | 0.08% |
| Bank Type | High Street | Challenger |
| Total Assets | £28.1 billion GBP | £11.91765 billion GBP |
| Swift/BIC Code | CPBKGB22 | SRLGGB2LXXX |
| FCA Number | 121885 | 730166 |
| Company Number | 990937 | 9092149 |
| Business Customer Phone Number | 44 345 721 2212 | 0207 930 4450 |
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