Current Accounts
Compare selected fees, account options and features using information checked against published provider sources.
Information is provided for comparison and does not constitute a recommendation. Features, fees and eligibility can change. Confirm current terms with each provider.
Compare
| Feature | Monzo | Starling Bank |
|---|---|---|
| Monthly fee | £0 | £0 |
| Credit interest | No credit interest on core current-account balance confirmed | 0% on positive current-account balance |
| Arranged overdraft | Rate set in overdraft agreement. Subject to status. | 15%, 25% or 35% EAR variable; representative 15% APR. Subject to status. |
| App banking | Yes | Yes |
| Branch access | No | No |
| Joint account | Yes | Yes |
| Switching offer | No current switch bonus | No current switch bonus |
Differences
Credit interest
Monzo: No credit interest on core current-account balance confirmed. Starling Bank: 0% on positive current-account balance.
Arranged overdraft
Monzo: Rate set in overdraft agreement. Subject to status.. Starling Bank: 15%, 25% or 35% EAR variable; representative 15% APR. Subject to status..
Who this helps
Neutral scenarios only — this is not a recommendation.
You may want to compare these providers if you are deciding between Monzo and Starling Bank for current accounts and want to see selected published fees and features side by side.
Monzo is listed for business bank accounts. Business Lite, monthly fee £0 Lite plan. FSCS protection up to £120,000 on eligible deposits. These are recorded comparison figures, not a personalised quote.
Monzo profileStarling Bank is listed for business bank accounts. Business Account, monthly fee £0. Eligible deposits protected by FSCS up to applicable limit. These are recorded comparison figures, not a personalised quote.
Starling Bank profileBefore you choose
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Details checked 2026-09-13 / 2026-09-13. Canonical URL: https://witmoney.co.uk/compare/current-accounts/monzo-vs-starling-bank.