Is Metro Bank or Starling Bank better for your small business?
Below we look at both Metro Bank 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.
Metro Bank vs Starling Bank Trustpilot Reviews
| Metro Bank | Starling Bank | |
| Trustpilot Review Score (out of 5) | 2 | 4.3 |
| Percent 5-Star Reviews | 45% | 76% |
| Percent 1- Star Reviews | 48% | 11% |
| Total Number of Reviews | 4,764 | 38,869 |
https://www.trustpilot.com/review/www.metrobankonline.co.uk
https://www.trustpilot.com/review/starlingbank.com
Metro Bank vs Starling Bank App Reviews
| Metro Bank | Starling Bank | |
| iPhone Review Score (out of 5) | 4.8 | 4.9 |
| Number of iPhone Reviews | 182,900 | 477,500 |
| Android Review Score (out of 5) | 4.6 | 4.5 |
| Number of Android Reviews | 41,500 | 114,000 |
https://apps.apple.com/gb/app/metro-bank/id1175525592
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
Metro Bank vs Starling Bank Account Fees & Charges
| Metro Bank | Starling Bank | |
| Free Business Bank Account | Yes | Yes |
| Free Business Account Term Length | 12 Months | No Limit |
| Cheapest Monthly Account Fee | Free | No |
| Most Expensive Monthly Account Fee | £6.00 | No |
| Electronic Payment Cost (in/out) | 30p | Free |
| Cash Payments Cost (in/out) | 1.00% | 0.70% |
| Cheques (in/out) | 30p | Free |
| CHAPS Payments Cost | £25 | £20 |
| SEPA Payments Cost | 20p | No |
Metro Bank vs Starling Bank Business Savings Rates
| Metro Bank | Starling Bank | |
| Types of Business Savings Accounts | Instant access, Fixed term | None |
| Lowest Savings Rate (AER) | 1.10% | NA |
| Maximum Savings Rate (AER) | 4.41% | NA |
| Minimum Savings Amount | £1 | No |
| Interest Paid On Foreign Currencies | Yes | Yes |
Metro Bank vs Starling Bank Account Opening Times
| Metro Bank | Starling Bank | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 day | 1 to 5 Working days |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Metro Bank vs Starling Bank Features & Account Types
| Metro Bank | 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 | Mastercard | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In Person/Branch Banking | Yes | Yes |
| Branch Locations | Limited locations in England & Wales only | None, but can use post office locations for some services |
Metro Bank vs Starling Bank Customer Support Options
| Metro Bank | 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 |
Metro Bank vs Starling Bank Foreign Currency Accounts
| Metro Bank | Starling Bank | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
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Other Business Services From Metro Bank and Starling Bank
| Metro Bank | Starling Bank | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | No | No |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | No | Yes |
| Free Accounting Software | No | No |
Metro Bank vs Starling Bank Banking Basics
| Metro Bank | Starling Bank | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 488982 | 730166 |
| Website | Metro Bank Website | Starling Bank Website |
Common Comparison Questions
Does Metro Bank or Starling Bank have better customer reviews?
Metro Bank scores 2 out of 5 based 4,764 Trustpilot reviews. Of these reviews 45% are 5-star and 48% 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 Metro Bank or Starling Bank have a better App?
Metro Bank’s iPhone App is rated 4.8 out of 5 based on 182,900 reviews. And it’s Android App is rated 4.6 out of 5 based on 41,500 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 Metro Bank or Starling Bank have better business savings rates?
Metro Bank offers the following types of business savings accounts: Instant access, Fixed term with interest rates ranging from 1.10% to 4.41%. (AER)
In contrast, Starling Bank offers None accounts with interest rates ranging from NA to NA (AER).
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For other business bank accounts see our guide here.