Is Starling Bank or State Bank of India (UK) better for your small business?
Below we look at both Starling Bank and State Bank of India (UK) 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.
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Starling Bank vs State Bank of India (UK) Trustpilot Reviews
| Starling Bank | State Bank of India (UK) | |
| Trustpilot Review Score (out of 5) | 4.3 | 3.7 |
| Percent 5-Star Reviews | 76% | 33% |
| Percent 1- Star Reviews | 11% | 34% |
| Total Number of Reviews | 38,869 | 3 |
https://www.trustpilot.com/review/starlingbank.com
https://www.trustpilot.com/review/sbiuk.statebank
Starling Bank vs State Bank of India (UK) App Reviews
| Starling Bank | State Bank of India (UK) | |
| iPhone Review Score (out of 5) | 4.9 | 2.4 |
| Number of iPhone Reviews | 477,500 | 253 |
| Android Review Score (out of 5) | 4.5 | 1.7 |
| Number of Android Reviews | 114,000 | 1,640 |
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
https://apps.apple.com/gb/app/yono-sbi-uk/id1454780358
Starling Bank vs State Bank of India (UK) Account Fees & Charges
| Starling Bank | State Bank of India (UK) | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | No Limit | NA |
| Cheapest Monthly Account Fee | No | £80 |
| Most Expensive Monthly Account Fee | No | £120 |
| Electronic Payment Cost (in/out) | Free | Free |
| Cash Payments Cost (in/out) | 0.70% | £3 / Free |
| Cheques (in/out) | Free | £10.00 per cheque |
| CHAPS Payments Cost | £20 | £25 |
| SEPA Payments Cost | No | £25 |
Starling Bank vs State Bank of India (UK) Business Savings Rates
| Starling Bank | State Bank of India (UK) | |
| Types of Business Savings Accounts | None | Instant Access, Notice Savings, Fixed Deposit, Limited Access |
| Lowest Savings Rate (AER) | NA | 1.95% |
| Maximum Savings Rate (AER) | NA | 5.00% |
| Minimum Savings Amount | No | £1 |
| Interest Paid On Foreign Currencies | Yes | Yes |
Starling Bank vs State Bank of India (UK) Account Opening Times
| Starling Bank | State Bank of India (UK) | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 to 5 Working days | 3 to 4 Working days |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Starling Bank vs State Bank of India (UK) Features & Account Types
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| Starling Bank | State Bank of India (UK) | |
| 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 | 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 | None, but can use post office locations for some services | Limited locations in London and Midlands |
Starling Bank vs State Bank of India (UK) Customer Support Options
| Starling Bank | State Bank of India (UK) | |
| 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 State Bank of India (UK) Foreign Currency Accounts
| Starling Bank | State Bank of India (UK) | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
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Other Business Services From Starling Bank and State Bank of India (UK)
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| Starling Bank | State Bank of India (UK) | |
| 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 State Bank of India (UK) Banking Basics
| Starling Bank | State Bank of India (UK) | |
| Bank Type | Challenger | Foreign Bank |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 730166 | 757156 |
| Website | Starling Bank Website | State Bank of India (UK) Website |
Common Comparison Questions
Does Starling Bank or State Bank of India (UK) 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, State Bank of India (UK) scores 3.7 out of 5 based 3 Trustpilot reviews. Of which 33% are 5-star and 34% are 1-star.
Does Starling Bank or State Bank of India (UK) 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, State Bank of India (UK)’s iPhone App is rated 2.4 out of 5 based on 253 reviews. And it’s Android App is rated 1.7 out of 5 based on 1,640 reviews.
Does Starling Bank or State Bank of India (UK) 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, State Bank of India (UK) offers Instant Access, Notice Savings, Fixed Deposit, Limited Access accounts with interest rates ranging from 1.95% to 5.00% (AER).
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For other business bank accounts see our guide here.