Ulster Bank and Starling Bank both offer a range of business banking options. But which is better?
Below we compare Ulster 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.
Ulster Bank vs Starling Bank Business Savings Accounts Comparison
| Ulster Bank | Starling Bank | |
| Types of Savings Accounts | Instant Access, 1 week to 1 year fixed term accounts | None |
| Lowest Savings Rate | 1.36% | NA |
| Maximum Savings Rate | 1.81% | NA |
| Minimum Investment Amount | £0 | NA |
| Website | Ulster 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.
Ulster Bank vs Starling Bank Free Business Bank Accounts
Below we look at the free business bank account options Ulster Bank and Starling Bank each offer.
Ulster 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
Ulster Bank vs Starling Bank Fees & Pricing
Ulster Bank | Starling Bank | |
| Cheapest Monthly Account Fee | £8 | £5 |
| Most Expensive Monthly Account Fee | £12 | £10 |
| Electronic Payments (in/out) | 0.51 | free |
| Cash Payments (in/out) | £1.50 | free |
| Cheques (in/out) | £0.30 / £1.50 | free |
| Debit Card Payments | Yes | Yes |
| CHAPS Payments | £18.75 | £20 |
| SEPA Payments | 0.51 | free |
Ulster Bank vs Starling Bank Account Types
Below we look at the different types of business bank accounts and other types of business finance solutions Ulster Bank and Starling Bank offer.
| Ulster 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 | Yes, FreeAgent | No |
Ulster Bank vs Starling Bank Foreign Currency Accounts
In this section we look at what types of foreign currency accounts each bank offers.
| Ulster Bank | Starling Bank | |
| US Dollar (USD) Bank Account | Yes | Yes |
| Euro (EUR) Bank Account | Yes | Yes |
| Other Currencies Available | Swiss franc,Japanese yen,Australian dollar,Canadian dollar,New Zealand dollar,Swedish krona | CAD (Canadian Dollar). |
Ulster Bank vs Starling Bank User Reviews
| Ulster Bank | Starling Bank | |
| Trustpilot Score (out of 5) | 1.5 | 4.3 |
| Number of Trustpilot Reviews | 50 | 36372 |
| iPhone App Score | 4.8 | 4.9 |
| Number iPhone of Reviews | 10992 | 431K |
| Android App Score | 4.1 | 4.5 |
| Number of Android App Reviews | 12.1K | 104K |
Ulster Bank vs Starling Bank Banking Service Quality
Data for this section comes from the BVA BDRC Business banking service quality report.
| Ulster Bank | Starling Bank | |
| Overall Service Quality Ranking | Not Rated | 1 |
| Overall Service Quality Score | Not Rated | 82% |
| Online And Mobile Banking Services Ranking | Not Rated | 1 |
| Online And Mobile Banking Services Score | Not Rated | 86% |
| SME overdraft and loan services Ranking | Not Rated | Not Ranked |
| SME overdraft and loan services Score | Not Rated | Not Ranked |
| Relationship/account management Ranking | Not Rated | 3 |
| Relationship/account management Score | Not Rated | 71% |
| Service in branches and business centres Ranking | Not Rated | Not Ranked |
| Service in branches and business centres Score | Not Rated | Not Ranked |
Ulster Bank vs Starling Bank Overview
Here is some other key data about each bank.
| Ulster Bank | Starling Bank | |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| Market Share | No Data | 0.08% |
| Bank Type | High Street | Challenger |
| Total Assets | £0.0272 billion GBP | £11.91765 billion GBP |
| Swift/BIC Code | ULSBGB2B | SRLGGB2LXXX |
| FCA Number | 121878 | 730166 |
| Company Number | 1897673 | 9092149 |
| Business Customer Phone Number | 0345 742 4365 | 0207 930 4450 |
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