Is Starling Bank or PayPal Debit better for your small business?
Below we look at both Starling Bank and PayPal Debit 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 PayPal Debit Trustpilot Reviews
| Starling Bank | PayPal Debit | |
| Trustpilot Review Score (out of 5) | 4.3 | 1.4 |
| Percent 5-Star Reviews | 76% | 20% |
| Percent 1- Star Reviews | 11% | 73% |
| Total Number of Reviews | 38,869 | 5,277 |
https://www.trustpilot.com/review/starlingbank.com
https://www.trustpilot.com/review/www.paypal.co.uk
Starling Bank vs PayPal Debit App Reviews
| Starling Bank | PayPal Debit | |
| iPhone Review Score (out of 5) | 4.9 | 4.1 |
| Number of iPhone Reviews | 477,500 | 1,600 |
| Android Review Score (out of 5) | 4.5 | 3.3 |
| Number of Android Reviews | 114,000 | 91,500 |
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
https://apps.apple.com/gb/app/paypal-business/id1053148887
Starling Bank vs PayPal Debit Account Fees & Charges
| Starling Bank | PayPal Debit | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | No Limit | NA |
| Cheapest Monthly Account Fee | No | No |
| Most Expensive Monthly Account Fee | No | No |
| Electronic Payment Cost (in/out) | Free | Free |
| Cash Payments Cost (in/out) | 0.70% | Free |
| Cheques (in/out) | Free | Free |
| CHAPS Payments Cost | £20 | No |
| SEPA Payments Cost | No | No |
Starling Bank vs PayPal Debit Business Savings Rates
| Starling Bank | PayPal Debit | |
| 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 | Yes |
Starling Bank vs PayPal Debit Account Opening Times
| Starling Bank | PayPal Debit | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 to 5 Working days | Few minutes |
| Do They Check Your Credit? | Yes | No |
| Current Account Switch Service | Yes | Yes |
Starling Bank vs PayPal Debit Features & Account Types
| Starling Bank | PayPal Debit | |
| 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 | No |
| Accounts For Sole Traders | Yes | No |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Mastercard | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | Yes |
| In Person/Branch Banking | Yes | No |
| Branch Locations | None, but can use post office locations for some services | None, online only |
Starling Bank vs PayPal Debit Customer Support Options
| Starling Bank | PayPal Debit | |
| Phone Support Available | Yes | No |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | Yes |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | No |
Starling Bank vs PayPal Debit Foreign Currency Accounts
| Starling Bank | PayPal Debit | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
|
|
Other Business Services From Starling Bank and PayPal Debit
| Starling Bank | PayPal Debit | |
| Business Loans | Yes | No |
| Commercial Mortgages | No | No |
| Invoice Financing | No | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | Yes | Yes |
| Free Accounting Software | No | Yes |
Starling Bank vs PayPal Debit Banking Basics
| Starling Bank | PayPal Debit | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | Yes, up to £85,000 | No |
| FCA Number | 730166 | 742277 |
| Website | Starling Bank Website | PayPal Debit Website |
Common Comparison Questions
Does Starling Bank or PayPal Debit 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, PayPal Debit scores 1.4 out of 5 based 5,277 Trustpilot reviews. Of which 20% are 5-star and 73% are 1-star.
Does Starling Bank or PayPal Debit 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, PayPal Debit’s iPhone App is rated 4.1 out of 5 based on 1,600 reviews. And it’s Android App is rated 3.3 out of 5 based on 91,500 reviews.
Does Starling Bank or PayPal Debit 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, PayPal Debit offers None accounts with interest rates ranging from NA to NA (AER).
See Other Comparisons:Starling Bank vs Allica Bank
Starling Bank vs Cater Allen
Starling Bank vs AIB (Allied Irish Bank)
Starling Bank vs Unity Trust
Starling Bank vs United Trust Bank
For other business bank accounts see our guide here.