Starling Bank vs Bluevine.
Starling Bank (S77/100) and Bluevine (B70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| B Bluevine №35 · FDIC 70 /100 | S Starling Bank №12 · FCA 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank FCA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | £85,000 GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.5 ★ 10k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | — |
| Read review → | Read review → | |
Pick Bluevine if…
US business-checking-led neobank with the deepest sweep-extended FDIC of the US partner-bank category — $3M via Coastal Community Bank + a 17-bank sweep network. Premier tier ($95/mo waivable) pays 3.0% APY uncapped on all balances, structurally distinct from Mercury (Treasury yield via brokerage) or Novo ($250K single-bank only). Bluevine Line of Credit (up to $250K) and an invitation-only Cashback Mastercard (1.5% unlimited, launched June 2024) sit alongside the checking product.
Pick Starling Bank if…
Pick if you bank in the UK and want a clearing bank for personal + business with no retail crypto, no brokerage.
- Best for fees Starling Bank won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Bluevine won 2 of 2
Starling Bank vs Bluevine — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bluevine better than Starling Bank?
Bluevine and Starling Bank are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Bluevine 70/100 vs Starling Bank 77/100. The right pick depends on which dimension you weight most heavily.
Is Bluevine or Starling Bank cheaper?
Monthly fee — Bluevine: €0; Starling Bank: €0. Card FX markup — Bluevine: 2.00%; Starling Bank: Interbank. Starling Bank wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Bluevine or Starling Bank?
Bluevine holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Starling Bank holds a Full bank licence under FCA; deposit guarantee per depositor: £85,000. Both score equally on regulatory protection rows.
Where can I use Bluevine and Starling Bank?
Bluevine operates in 1 country; Starling Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.