Is Starling Bank or United Trust Bank better for your small business?
Below we look at both Starling Bank and United 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 vs United Trust Bank Trustpilot Reviews
| Starling Bank | United Trust Bank | |
| Trustpilot Review Score (out of 5) | 4.3 | 4.6 |
| Percent 5-Star Reviews | 76% | 78% |
| Percent 1- Star Reviews | 11% | 3% |
| Total Number of Reviews | 38,869 | 1,372 |
https://www.trustpilot.com/review/starlingbank.com
https://www.trustpilot.com/review/utbank.co.uk
Starling Bank vs United Trust Bank App Reviews
| Starling Bank | United Trust Bank | |
| iPhone Review Score (out of 5) | 4.9 | 5 |
| Number of iPhone Reviews | 477,500 | 5 |
| Android Review Score (out of 5) | 4.5 | No Rating |
| Number of Android Reviews | 114,000 | No Reviews |
https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430
https://apps.apple.com/us/app/united-trust-bank/id6444029400
Starling Bank vs United Trust Bank Account Fees & Charges
| Starling Bank | United Trust Bank | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | No Limit | NA |
| Cheapest Monthly Account Fee | No | £12.50 |
| Most Expensive Monthly Account Fee | No | £25 |
| Electronic Payment Cost (in/out) | Free | Free |
| Cash Payments Cost (in/out) | 0.70% | Free / £1.50 |
| Cheques (in/out) | Free | Free / £2.50 |
| CHAPS Payments Cost | £20 | £25 |
| SEPA Payments Cost | No | No |
Starling Bank vs United Trust Bank Business Savings Rates
| Starling Bank | United Trust Bank | |
| Types of Business Savings Accounts | None | Fixed Term Business Bonds, Notice Accounts, Tracker Accounts |
| Lowest Savings Rate (AER) | NA | 3.75% |
| Maximum Savings Rate (AER) | NA | 5.25% |
| Minimum Savings Amount | No | £5,000 |
| Interest Paid On Foreign Currencies | Yes | Yes |
Starling Bank vs United Trust Bank Account Opening Times
| Starling Bank | United Trust Bank | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 1 to 5 Working days | 7 Working days |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
Starling Bank vs United Trust Bank Features & Account Types
| Starling Bank | United Trust Bank | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | Yes |
| Business Credit Card | No | No |
| 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 | Visa |
| 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 | London office only |
Starling Bank vs United Trust Bank Customer Support Options
| Starling Bank | United Trust 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 | No |
Starling Bank vs United Trust Bank Foreign Currency Accounts
| Starling Bank | United Trust Bank | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
|
|
Other Business Services From Starling Bank and United Trust Bank
| Starling Bank | United Trust 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 United Trust Bank Banking Basics
| Starling Bank | United Trust Bank | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 730166 | 204463 |
| Website | Starling Bank Website | United Trust Bank Website |
Common Comparison Questions
Does Starling Bank or United 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, United Trust Bank scores 4.6 out of 5 based 1,372 Trustpilot reviews. Of which 78% are 5-star and 3% are 1-star.
Does Starling Bank or United 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, United Trust Bank’s iPhone App is rated 5 out of 5 based on 5 reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.
Does Starling Bank or United 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, United Trust Bank offers Fixed Term Business Bonds, Notice Accounts, Tracker Accounts accounts with interest rates ranging from 3.75% to 5.25% (AER).
See Other Comparisons:Starling Bank vs HSBC Kinetic
Starling Bank vs CardOneMoney
Starling Bank vs Fair Everywhere
Starling Bank vs Countingup
Starling Bank vs State Bank of India (UK)
For other business bank accounts see our guide here.