Merchant Machine

Starling Bank VS Hampshire Trust Bank: Business Banking Review & Fee Comparison


By: Ian Wright | Last Updated: May 22, 2025

Is Starling Bank or Hampshire Trust Bank better for your small business?



Compare UK Business Bank Accounts

Powered By BusinessBankAccounts.co.uk



Below we look at both Starling Bank and Hampshire Trust 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 Homepage
Starling Bank Homepage


Hampshire Trust Bank Homepage
Hampshire Trust Bank Homepage
 

Starling Bank vs Hampshire Trust Bank Trustpilot Reviews

Starling BankHampshire Trust Bank
Trustpilot Review Score (out of 5)4.34.5
Percent 5-Star Reviews76%75%
Percent 1- Star Reviews11%7%
Total Number of Reviews38,8691,591
Sources:
https://www.trustpilot.com/review/starlingbank.com
https://www.trustpilot.com/review/htb.co.uk

Starling Bank vs Hampshire Trust Bank App Reviews

Starling BankHampshire Trust Bank
iPhone Review Score (out of 5)4.9No Rating
Number of iPhone Reviews477,500No Reviews
Android Review Score (out of 5)4.5No Rating
Number of Android Reviews114,000No Reviews
Sources:
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
https://www.apple.com/uk/app-store/

Starling Bank vs Hampshire Trust Bank Account Fees & Charges

Starling BankHampshire Trust Bank
Free Business Bank AccountYesNo
Free Business Account Term LengthNo LimitNA
Cheapest Monthly Account FeeNoNo
Most Expensive Monthly Account FeeNoNo
Electronic Payment Cost (in/out)Free25p
Cash Payments Cost (in/out)0.70%£1
Cheques (in/out)Free£1
CHAPS Payments Cost£20£25
SEPA Payments CostNo20p

Starling Bank vs Hampshire Trust Bank Business Savings Rates

Starling BankHampshire Trust Bank
Types of Business Savings AccountsNoneNotice Account, Fixed
Lowest Savings Rate (AER)NA4.50%
Maximum Savings Rate (AER)NA5.15%
Minimum Savings AmountNo£5,000
Interest Paid On Foreign CurrenciesYesNo
 

Starling Bank vs Hampshire Trust Bank Account Opening Times

Starling BankHampshire Trust Bank
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
1 to 5 Working days1 day
Do They Check Your Credit?YesYes
Current Account Switch ServiceYesNo

Starling Bank vs Hampshire Trust Bank Features & Account Types

Starling Bank Account Types
Starling Bank Features & Account Types


Hampshire Trust Bank Account Types
Hampshire Trust Bank Features & Account Types


Starling BankHampshire Trust Bank
Business Current AccountYesNo
Business Savings AccountYesYes
Business Credit CardNoYes
Business OverdraftYesYes
Accounts For StartupsYesYes
Accounts For CharitiesYesYes
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesYes
Card TypeMastercardNone
Online BankingYesYes
Mobile BankingYesNo
In Person/Branch BankingYesNo
Branch LocationsNone, but can use post office locations for some servicesLondon & Leeds

Starling Bank vs Hampshire Trust Bank Customer Support Options

Starling BankHampshire Trust Bank
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support YesNo
Web Based SupportYesYes
In person Customer SupportYesNo

Starling Bank vs Hampshire Trust Bank Foreign Currency Accounts

Starling BankHampshire Trust Bank
US Dollar (USD) Bank AccountsYesYes
Euro (EUR) Bank AccountsYesYes
Other Currencies Available:
  • CAD (Canadian Dollar)
No

Other Business Services From Starling Bank and Hampshire Trust Bank

Starling Bank Account Types
Other Starling Bank Services


Hampshire Trust Bank Account Types
Other Hampshire Trust Bank Services


Starling BankHampshire Trust Bank
Business LoansYesYes
Commercial MortgagesNoYes
Invoice FinancingNoYes
International PaymentsYesYes
Merchant Payment ServicesYesNo
Card MachinesYesNo
Free Accounting SoftwareNoNo

Starling Bank vs Hampshire Trust Bank Banking Basics

Starling BankHampshire Trust Bank
Bank TypeChallengerChallenger
FSCS ProtectionYes, up to £85,000Yes, up to £85,000
FCA Number730166204601
WebsiteStarling Bank WebsiteHampshire Trust Bank Website

Common Comparison Questions

Does Starling Bank or Hampshire Trust 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, Hampshire Trust Bank scores 4.5 out of 5 based 1,591 Trustpilot reviews. Of which 75% are 5-star and 7% are 1-star.

Does Starling Bank or Hampshire Trust 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, Hampshire Trust Bank’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 Hampshire Trust 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, Hampshire Trust Bank offers Notice Account, Fixed accounts with interest rates ranging from 4.50% to 5.15% (AER).

See Other Comparisons:
Starling Bank vs Mettle
Starling Bank vs Monese
Starling Bank vs Saffron Building Society
Starling Bank vs OakNorth
Starling Bank vs Airwallex


For other business bank accounts see our guide here.

 



Please note: Merchant Machine is an information and comparison website only.
We do not provide merchant services nor can we recommend which solution is right for you and your business.
Blog · About · Privacy Policy · Terms of Use · Contact Us
Copyright © 2025 Brilliant British Ltd trading as Merchant Machine

Registered Office Address:
3rd Floor Great Titchfield House, 14-18 Great Titchfield Street, London, United Kingdom, W1W 8BD
Company number 10490224