Starling Bank vs Conta Azul.
Starling Bank (S77/100) and Conta Azul (C45/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Starling Bank leads Conta Azul 4-1.
| C Conta Azul №83 · BACEN 45 /100 | S Starling Bank №12 · FCA 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €89 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank FCA |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | £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 | — | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | — |
| Read review → | Read review → | |
Pick Conta Azul if…
BR accounting-first platform with the longest operating history in the SMB accounting category (14+ years). Recently expanded into integrated banking via BACEN payment-institution licence — Conta Azul Conta as a workflow extension of the accounting platform. The structural fit for BR Contador-mediated SMBs where the accounting workflow is the operational anchor and banking is the bolt-on, rather than BHub's banking-first integrated approach.
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 Starling Bank won 2 of 2
- Best for reach Tied
- Best for ux Conta Azul won 1 of 2
Starling Bank vs Conta Azul — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Conta Azul better than Starling Bank?
Under our v3 methodology, Starling Bank leads Conta Azul 4–1 across 12 dimensions. Composite scores: Conta Azul 45/100 vs Starling Bank 77/100. Starling Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Conta Azul or Starling Bank cheaper?
Monthly fee — Conta Azul: €89; Starling Bank: €0. Card FX markup — Conta Azul: Interbank; 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, Conta Azul or Starling Bank?
Conta Azul holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Starling Bank holds a Full bank licence under FCA; deposit guarantee per depositor: £85,000. Starling Bank is the stronger pick on regulatory protection.
Where can I use Conta Azul and Starling Bank?
Conta Azul 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?
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