Is Bank of Scotland or Starling Bank better for your small business?
Below we look at both Bank of Scotland and Starling Bank reviews on Trustpilot along with their App reviews from Apple and Google.
We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.
Bank of Scotland vs Starling Bank Trustpilot Reviews
| Bank of Scotland | Starling Bank | |
| Trustpilot Review Score (out of 5) | 1.6 | 4.3 |
| Percent 5-Star Reviews | 12% | 76% |
| Percent 1- Star Reviews | 80% | 11% |
| Total Number of Reviews | 649 | 38,869 |
https://www.trustpilot.com/review/www.bankofscotland.co.uk
https://www.trustpilot.com/review/starlingbank.com
Bank of Scotland vs Starling Bank App Reviews
| Bank of Scotland | Starling Bank | |
| iPhone Review Score (out of 5) | 4.8 | 4.9 |
| Number of iPhone Reviews | 269,400 | 477,500 |
| Android Review Score (out of 5) | 4.5 | 4.5 |
| Number of Android Reviews | 44,100 | 114,000 |
https://apps.apple.com/gb/app/bank-of-scotland-mobile-bank/id485728109
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
Bank of Scotland vs Starling Bank Account Fees & Charges
| Bank of Scotland | Starling Bank | |
| Free Business Bank Account | Yes | Yes |
| Free Business Account Term Length | 12 Months | No Limit |
| Cheapest Monthly Account Fee | £8.50 | No |
| Most Expensive Monthly Account Fee | £8.50 | No |
| Electronic Payment Cost (in/out) | Free / 20p | Free |
| Cash Payments Cost (in/out) | £85p / £1.50 per £100 | 0.70% |
| Cheques (in/out) | 85p per cheque | Free |
| CHAPS Payments Cost | £30 | £20 |
| SEPA Payments Cost | £5 | No |
Bank of Scotland vs Starling Bank Business Savings Rates
| Bank of Scotland | Starling Bank | |
| Types of Business Savings Accounts | Fixed Term Deposit, Notice Accounts, Instant Access Account | None |
| Lowest Savings Rate (AER) | 1.31% | NA |
| Maximum Savings Rate (AER) | 4.37% | NA |
| Minimum Savings Amount | £1 | No |
| Interest Paid On Foreign Currencies | Yes | Yes |
Bank of Scotland vs Starling Bank Account Opening Times
| Bank of Scotland | Starling Bank | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 7 Working days | 1 to 5 Working days |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Bank of Scotland vs Starling Bank Features & Account Types
| Bank of Scotland | Starling Bank | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | Yes |
| Business Credit Card | Yes | No |
| Business Overdraft | Yes | Yes |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | Yes |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Visa | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In Person/Branch Banking | Yes | Yes |
| Branch Locations | Scotland only | None, but can use post office locations for some services |
Bank of Scotland vs Starling Bank Customer Support Options
| Bank of Scotland | Starling Bank | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | Yes |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | Yes |
Bank of Scotland vs Starling Bank Foreign Currency Accounts
| Bank of Scotland | Starling Bank | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
|
|
Other Business Services From Bank of Scotland and Starling Bank
| Bank of Scotland | Starling Bank | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | Yes | No |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | Yes | Yes |
| Free Accounting Software | Yes | No |
Bank of Scotland vs Starling Bank Banking Basics
| Bank of Scotland | Starling Bank | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 169628 | 730166 |
| Website | Bank of Scotland Website | Starling Bank Website |
Common Comparison Questions
Does Bank of Scotland or Starling Bank have better customer reviews?
Bank of Scotland scores 1.6 out of 5 based 649 Trustpilot reviews. Of these reviews 12% are 5-star and 80% are 1-star.
Whereas, Starling Bank scores 4.3 out of 5 based 38,869 Trustpilot reviews. Of which 76% are 5-star and 11% are 1-star.
Does Bank of Scotland or Starling Bank have a better App?
Bank of Scotland’s iPhone App is rated 4.8 out of 5 based on 269,400 reviews. And it’s Android App is rated 4.5 out of 5 based on 44,100 reviews.
In comparison, Starling Bank’s iPhone App is rated 4.9 out of 5 based on 477,500 reviews. And it’s Android App is rated 4.5 out of 5 based on 114,000 reviews.
Does Bank of Scotland or Starling Bank have better business savings rates?
Bank of Scotland offers the following types of business savings accounts: Fixed Term Deposit, Notice Accounts, Instant Access Account with interest rates ranging from 1.31% to 4.37%. (AER)
In contrast, Starling Bank offers None accounts with interest rates ranging from NA to NA (AER).
See Other Comparisons:Bank of Scotland vs Shawbrook Bank
Bank of Scotland vs RBS (Royal Bank of Scotland)
Bank of Scotland vs Wise
Bank of Scotland vs Revolut Business
Bank of Scotland vs Danske Bank UK
For other business bank accounts see our guide here.