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Starling Business vs Monzo Business at a glance
| Starling Business | Monzo Business | |
|---|---|---|
| Best for | UK small businesses that want a full bank | UK sole traders who already like Monzo |
| Pricing model | Free | Free plan |
| Available in | UK | UK |
| Key features | Fully licensed UK bank No monthly account fee Optional business toolkit | Free Lite plan Tax pots for setting money aside Invoicing on paid plans |
| Website | Visit Starling Business ↗ | Visit Monzo Business ↗ |
Pricing
Starling Business is free to use, while Monzo Business has a free plan, with paid upgrades. We never publish exact prices because they change too often; check the current plans on each website.
Where they work
Both are available in UK, so where you live will not decide it.
Which one should you choose?
- Choose Starling Business: the better fit for UK small businesses that want a full bank.
- Choose Monzo Business: the better fit for UK sole traders who already like Monzo.
Still unsure? Run through these before you sign up for either:
- Who holds the deposits and whether they are covered by a deposit guarantee scheme.
- Fees for international transfers and currency exchange.
- Integrations with your accounting tool.
- Whether your business type and country are accepted.
Frequently asked questions
What is the main difference between Starling Business and Monzo Business?
Starling Business is built for UK small businesses that want a full bank. Monzo Business is built for UK sole traders who already like Monzo. Starling Business is free to use, while Monzo Business has a free plan, with paid upgrades.
Is Starling Business or Monzo Business available in my country?
Both are available in UK, so where you live will not decide it.
Is Starling Business cheaper than Monzo Business?
It depends on how you use it, and prices change often, so we only list the pricing model. Starling Business is free to use, while Monzo Business has a free plan, with paid upgrades. Compare the current plans on each website before you sign up.
Not sold on either?
There are 11 other business banking & neobanks tools in the directory. Compare them all →
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Information checked 26 October 2026. NxtGenFin is an independent directory, not affiliated with Starling Business or Monzo Business unless marked as featured, sponsored or affiliate link. Not financial advice.