Is NatWest or Starling Bank better for your small business?
Below we look at both NatWest 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.
NatWest vs Starling Bank Trustpilot Reviews
| NatWest | Starling Bank | |
| Trustpilot Review Score (out of 5) | 1.4 | 4.3 |
| Percent 5-Star Reviews | 8% | 76% |
| Percent 1- Star Reviews | 86% | 11% |
| Total Number of Reviews | 5,984 | 38,869 |
https://www.trustpilot.com/review/www.natwest.com
https://www.trustpilot.com/review/starlingbank.com
NatWest vs Starling Bank App Reviews
| NatWest | Starling Bank | |
| iPhone Review Score (out of 5) | 4.8 | 4.9 |
| Number of iPhone Reviews | 456,700 | 477,500 |
| Android Review Score (out of 5) | 4.4 | 4.5 |
| Number of Android Reviews | 349,000 | 114,000 |
https://apps.apple.com/gb/app/natwest-mobile-banking/id334855322
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
NatWest vs Starling Bank Account Fees & Charges
| NatWest | Starling Bank | |
| Free Business Bank Account | Yes | Yes |
| Free Business Account Term Length | 24 Months | No Limit |
| Cheapest Monthly Account Fee | Free | No |
| Most Expensive Monthly Account Fee | Free | No |
| Electronic Payment Cost (in/out) | 35p | Free |
| Cash Payments Cost (in/out) | 70p per £100 | 0.70% |
| Cheques (in/out) | 70p per item | Free |
| CHAPS Payments Cost | £20 | £20 |
| SEPA Payments Cost | 45p | No |
NatWest vs Starling Bank Business Savings Rates
| NatWest | Starling Bank | |
| Types of Business Savings Accounts | Instant access, notice and fixed-term savings accounts | None |
| Lowest Savings Rate (AER) | 1.46% | NA |
| Maximum Savings Rate (AER) | 4.25% | NA |
| Minimum Savings Amount | No | No |
| Interest Paid On Foreign Currencies | Yes | Yes |
NatWest vs Starling Bank Account Opening Times
| NatWest | Starling Bank | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 10 Working days | 1 to 5 Working days |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
NatWest vs Starling Bank Features & Account Types
| NatWest | 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 | UK-wide including the ability to use some RBS locations | None, but can use post office locations for some services |
NatWest vs Starling Bank Customer Support Options
| NatWest | 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 |
NatWest vs Starling Bank Foreign Currency Accounts
| NatWest | 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 NatWest and Starling Bank
| NatWest | 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 |
NatWest vs Starling Bank Banking Basics
| NatWest | Starling Bank | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 121882 | 730166 |
| Website | NatWest Website | Starling Bank Website |
Common Comparison Questions
Does NatWest or Starling Bank have better customer reviews?
NatWest scores 1.4 out of 5 based 5,984 Trustpilot reviews. Of these reviews 8% are 5-star and 86% 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 NatWest or Starling Bank have a better App?
NatWest’s iPhone App is rated 4.8 out of 5 based on 456,700 reviews. And it’s Android App is rated 4.4 out of 5 based on 349,000 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 NatWest or Starling Bank have better business savings rates?
NatWest offers the following types of business savings accounts: Instant access, notice and fixed-term savings accounts with interest rates ranging from 1.46% to 4.25%. (AER)
In contrast, Starling Bank offers None accounts with interest rates ranging from NA to NA (AER).
See Other Comparisons:NatWest vs Shawbrook Bank
NatWest vs RBS (Royal Bank of Scotland)
NatWest vs Wise
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NatWest vs Danske Bank UK
For other business bank accounts see our guide here.