Is Starling Bank or SumUp Business Account better for your small business?
Below we look at both Starling Bank and SumUp Business Account 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 SumUp Business Account Trustpilot Reviews
| Starling Bank | SumUp Business Account | |
| Trustpilot Review Score (out of 5) | 4.3 | 4.2 |
| Percent 5-Star Reviews | 76% | 64% |
| Percent 1- Star Reviews | 11% | 22% |
| Total Number of Reviews | 38,869 | 18,247 |
https://www.trustpilot.com/review/starlingbank.com
https://www.trustpilot.com/review/sumup.com
Starling Bank vs SumUp Business Account App Reviews
| Starling Bank | SumUp Business Account | |
| iPhone Review Score (out of 5) | 4.9 | 4.8 |
| Number of iPhone Reviews | 477,500 | 12,400 |
| Android Review Score (out of 5) | 4.5 | 4.7 |
| Number of Android Reviews | 114,000 | 84,500 |
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
https://apps.apple.com/gb/app/sumup/id514879214
Starling Bank vs SumUp Business Account Account Fees & Charges
| Starling Bank | SumUp Business Account | |
| Free Business Bank Account | Yes | Yes |
| Free Business Account Term Length | No Limit | No Limit |
| 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 SumUp Business Account Business Savings Rates
| Starling Bank | SumUp Business Account | |
| 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 SumUp Business Account Account Opening Times
| Starling Bank | SumUp Business Account | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 to 5 Working days | 10 minutes |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | No |
Starling Bank vs SumUp Business Account Features & Account Types
| Starling Bank | SumUp Business Account | |
| 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 | No |
| 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 SumUp Business Account Customer Support Options
| Starling Bank | SumUp Business Account | |
| 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 | No |
Starling Bank vs SumUp Business Account Foreign Currency Accounts
| Starling Bank | SumUp Business Account | |
| US Dollar (USD) Bank Accounts | Yes | No |
| Euro (EUR) Bank Accounts | Yes | No |
| Other Currencies Available: |
| No |
Other Business Services From Starling Bank and SumUp Business Account
| Starling Bank | SumUp Business Account | |
| 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 | No |
Starling Bank vs SumUp Business Account Banking Basics
| Starling Bank | SumUp Business Account | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | Yes, up to £85,000 | No |
| FCA Number | 730166 | 900700 |
| Website | Starling Bank Website | SumUp Business Account Website |
Common Comparison Questions
Does Starling Bank or SumUp Business Account 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, SumUp Business Account scores 4.2 out of 5 based 18,247 Trustpilot reviews. Of which 64% are 5-star and 22% are 1-star.
Does Starling Bank or SumUp Business Account 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, SumUp Business Account’s iPhone App is rated 4.8 out of 5 based on 12,400 reviews. And it’s Android App is rated 4.7 out of 5 based on 84,500 reviews.
Does Starling Bank or SumUp Business Account 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, SumUp Business Account offers None accounts with interest rates ranging from NA to NA (AER).
See Other Comparisons:Starling Bank vs Cambridge & Counties Bank
Starling Bank vs Recognise Bank
Starling Bank vs Dudley Building Society
Starling Bank vs MyPOS
Starling Bank vs Ampere
For other business bank accounts see our guide here.