Is Starling Bank or 3S Money better for your small business?
Below we look at both Starling Bank and 3S Money 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.
Starling Bank vs 3S Money Trustpilot Reviews
| Starling Bank | 3S Money | |
| Trustpilot Review Score (out of 5) | 4.3 | 4.7 |
| Percent 5-Star Reviews | 76% | 93% |
| Percent 1- Star Reviews | 11% | 5% |
| Total Number of Reviews | 38,869 | 730 |
https://www.trustpilot.com/review/starlingbank.com
https://www.trustpilot.com/review/3s.money
Starling Bank vs 3S Money App Reviews
| Starling Bank | 3S Money | |
| iPhone Review Score (out of 5) | 4.9 | No Rating |
| Number of iPhone Reviews | 477,500 | No Reviews |
| Android Review Score (out of 5) | 4.5 | No Rating |
| Number of Android Reviews | 114,000 | No Reviews |
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
https://www.apple.com/uk/app-store/
Starling Bank vs 3S Money Account Fees & Charges
| Starling Bank | 3S Money | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | No Limit | NA |
| Cheapest Monthly Account Fee | No | $100 |
| Most Expensive Monthly Account Fee | No | $100 |
| Electronic Payment Cost (in/out) | Free | Free + 60p |
| Cash Payments Cost (in/out) | 0.70% | Free |
| Cheques (in/out) | Free | £1 |
| CHAPS Payments Cost | £20 | £20 |
| SEPA Payments Cost | No | €1 |
Starling Bank vs 3S Money Business Savings Rates
| Starling Bank | 3S Money | |
| Types of Business Savings Accounts | None | None |
| Lowest Savings Rate (AER) | NA | NA |
| Maximum Savings Rate (AER) | NA | NA |
| Minimum Savings Amount | No | NA |
| Interest Paid On Foreign Currencies | Yes | No |
Starling Bank vs 3S Money Account Opening Times
| Starling Bank | 3S Money | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 to 5 Working days | 15 minutes |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Starling Bank vs 3S Money Features & Account Types
| Starling Bank | 3S Money | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | No |
| Business Credit Card | No | No |
| Business Overdraft | Yes | No |
| 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 | No |
| In Person/Branch Banking | Yes | No |
| Branch Locations | None, but can use post office locations for some services | None, online only |
Starling Bank vs 3S Money Customer Support Options
| Starling Bank | 3S Money | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | No |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | No |
Starling Bank vs 3S Money Foreign Currency Accounts
| Starling Bank | 3S Money | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
| No |
Other Business Services From Starling Bank and 3S Money
| Starling Bank | 3S Money | |
| Business Loans | Yes | No |
| Commercial Mortgages | No | No |
| Invoice Financing | No | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | Yes | No |
| Free Accounting Software | No | Yes |
Starling Bank vs 3S Money Banking Basics
| Starling Bank | 3S Money | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | Yes, up to £85,000 | No |
| FCA Number | 730166 | 900918 |
| Website | Starling Bank Website | 3S Money Website |
Common Comparison Questions
Does Starling Bank or 3S Money have better customer reviews?
Starling Bank scores 4.3 out of 5 based 38,869 Trustpilot reviews. Of these reviews 76% are 5-star and 11% are 1-star.
Whereas, 3S Money scores 4.7 out of 5 based 730 Trustpilot reviews. Of which 93% are 5-star and 5% are 1-star.
Does Starling Bank or 3S Money have a better App?
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.
In comparison, 3S Money’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.
Does Starling Bank or 3S Money have better business savings rates?
Starling Bank offers the following types of business savings accounts: None with interest rates ranging from NA to NA. (AER)
In contrast, 3S Money 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.