Is Starling Bank or Cynergy Bank better for your small business?
Below we look at both Starling Bank and Cynergy 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.
Starling Bank vs Cynergy Bank Trustpilot Reviews
| Starling Bank | Cynergy Bank | |
| Trustpilot Review Score (out of 5) | 4.3 | 4 |
| Percent 5-Star Reviews | 76% | 58% |
| Percent 1- Star Reviews | 11% | 27% |
| Total Number of Reviews | 38,869 | 2,235 |
https://www.trustpilot.com/review/starlingbank.com
https://www.trustpilot.com/review/cynergybank.co.uk
Starling Bank vs Cynergy Bank App Reviews
| Starling Bank | Cynergy Bank | |
| iPhone Review Score (out of 5) | 4.9 | 1.5 |
| Number of iPhone Reviews | 477,500 | 350 |
| Android Review Score (out of 5) | 4.5 | 1.7 |
| Number of Android Reviews | 114,000 | 449 |
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
https://apps.apple.com/gb/app/cynergy-bank-authenticator/id1497728953
Starling Bank vs Cynergy Bank Account Fees & Charges
| Starling Bank | Cynergy Bank | |
| Free Business Bank Account | Yes | Yes |
| Free Business Account Term Length | No Limit | 12 Months |
| Cheapest Monthly Account Fee | No | £25 |
| Most Expensive Monthly Account Fee | No | £25 |
| Electronic Payment Cost (in/out) | Free | 35p |
| Cash Payments Cost (in/out) | 0.70% | 65p per £100 |
| Cheques (in/out) | Free | 30p / 78p |
| CHAPS Payments Cost | £20 | £25 |
| SEPA Payments Cost | No | £6 |
Starling Bank vs Cynergy Bank Business Savings Rates
| Starling Bank | Cynergy Bank | |
| Types of Business Savings Accounts | None | Business Saver |
| Lowest Savings Rate (AER) | NA | 4.00% |
| Maximum Savings Rate (AER) | NA | 4.00% |
| Minimum Savings Amount | No | £1 |
| Interest Paid On Foreign Currencies | Yes | Yes |
Starling Bank vs Cynergy Bank Account Opening Times
| Starling Bank | Cynergy Bank | |
| 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 Cynergy Bank Features & Account Types
| Starling Bank | Cynergy Bank | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | Yes |
| Business Credit Card | No | Yes |
| Business Overdraft | Yes | Yes |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | No |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Mastercard | Visa |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In Person/Branch Banking | Yes | Yes |
| Branch Locations | None, but can use post office locations for some services | London, Redhill, Birmingham, Manchester and Glasgow |
Starling Bank vs Cynergy Bank Customer Support Options
| Starling Bank | Cynergy 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 |
Starling Bank vs Cynergy Bank Foreign Currency Accounts
| Starling Bank | Cynergy Bank | |
| US Dollar (USD) Bank Accounts | Yes | No |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
| No |
Other Business Services From Starling Bank and Cynergy Bank
| Starling Bank | Cynergy Bank | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | No | Yes |
| Invoice Financing | No | Yes |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | No |
| Card Machines | Yes | No |
| Free Accounting Software | No | No |
Starling Bank vs Cynergy Bank Banking Basics
| Starling Bank | Cynergy Bank | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 730166 | 575105 |
| Website | Starling Bank Website | Cynergy Bank Website |
Common Comparison Questions
Does Starling Bank or Cynergy Bank 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, Cynergy Bank scores 4 out of 5 based 2,235 Trustpilot reviews. Of which 58% are 5-star and 27% are 1-star.
Does Starling Bank or Cynergy Bank 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, Cynergy Bank’s iPhone App is rated 1.5 out of 5 based on 350 reviews. And it’s Android App is rated 1.7 out of 5 based on 449 reviews.
Does Starling Bank or Cynergy Bank 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, Cynergy Bank offers Business Saver accounts with interest rates ranging from 4.00% to 4.00% (AER).
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For other business bank accounts see our guide here.