Monzo Business and Starling Business compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
Monzo Business vs Starling Business at a glance
| Feature | Monzo Business | Starling Business |
|---|---|---|
| Account type | Business current account at a licensed United Kingdom bank. | Sterling business current account from a United Kingdom licensed bank |
| Who it suits | Small businesses, sole traders, and limited companies in the United Kingdom that want a mobile first business account from a licensed United Kingdom bank. | United Kingdom sole traders and small limited companies that want a free, app based business current account |
| Monthly fee | Lite is free. Pro is 9 pounds a month, with the first month free, and Team starts from 25 pounds a month. As of 11 October 2026. | No monthly fee on the sterling business current account. Optional add ons may carry a charge, so check them with Starling |
| Transaction fees | Some service charges apply, for example cash deposits and certain transfers. See the Monzo Business fee information document. As of 19 June 2026. | No charge for everyday United Kingdom payments. Cash deposits carry a charge of 3 pounds or 0.7 percent of the deposit, whichever is higher. Verify with Starling |
| FX fees | Card spending abroad and currency features vary by plan. Verify current rates with the provider. | Payments can be sent to accounts in 34 countries, and Starling charges no fee of its own for card spending or withdrawals abroad. Its international transfer fee could not be confirmed for this review, so check it with Starling |
| Minimum deposit | No minimum opening deposit stated for the Lite plan, as of 19 June 2026. Verify with the provider. | Starling does not publish a minimum opening deposit on its business account page. Verify with Starling |
| Multi currency | Monzo Business is built around pound sterling. Verify current currency features with the provider. | A sterling account, with payments to accounts in 34 countries. Check the current currency account options and their charges with Starling |
| Integrations | Accounting integrations with Xero, QuickBooks, FreeAgent and Sage, plus invoicing and tax pots, on the Pro and Team plans. As of 11 October 2026. | In app savings spaces, an optional accounting add on and bookkeeping tools. Verify the current list with Starling |
| Eligibility | Available to sole traders and limited companies based in the United Kingdom. Verify with the provider. | United Kingdom sole traders, and United Kingdom registered limited companies and limited liability partnerships whose persons of significant control are United Kingdom resident individuals. Verify with Starling |
| Broadly available in | United Kingdom. | The United Kingdom only |
Monzo Business suits a United Kingdom sole trader or limited company director who wants invoicing, tax pots and Xero, QuickBooks, FreeAgent or Sage links, from 9 pounds a month on Pro. Starling Business suits a United Kingdom business whose people of significant control live in the United Kingdom and that wants no monthly fee and no charge on United Kingdom payments. Starling charges 0.7 percent for cash paid in at the Post Office, with a 3 pound minimum.
Open a business account
Both providers accept business customers in their supported markets. Fees and eligibility shown as of 19 June 2026 for Monzo Business and 27 May 2026 for Starling Business. Confirm current terms with the provider before applying.
Visit Monzo Business → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers. Visit Starling → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers.Questions about Monzo Business and Starling Business
Which is better for my business, Monzo Business or Starling Business?
Can I open both Monzo Business and Starling Business?
Are the fees on this page current?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with each provider before applying.