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 was 9 pounds per month and Team was 25 pounds per month, as of 19 June 2026. The first month of Pro was advertised as free. | No monthly fee on the sterling business current account. An optional accounting add on carries a monthly charge. Verify 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. | International payments carry a transfer fee of about 0.4 percent plus a delivery fee. Verify the current rate with Starling |
| Minimum deposit | No minimum opening deposit stated for the Lite plan, as of 19 June 2026. Verify with the provider. | No minimum deposit required. Verify with Starling |
| Multi currency | Monzo Business is built around pound sterling. Verify current currency features with the provider. | A euro account is available for an additional monthly fee, alongside international payments. Verify the current options with Starling |
| Integrations | Accounting integrations with Xero, QuickBooks, FreeAgent, and Sage on the Pro plan, plus invoicing and tax pots, as of 19 June 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 |
Use the table to weigh the differences. Monzo Business and Starling Business tend to differ most on account type and currency support, so match those to how your business moves money, then confirm the latest fees and eligibility with each provider.
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 → Visit Starling →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 25 June 2026. Confirm current terms with each provider before applying.