Starling Bank vs GoTyme.
Starling Bank (S77/100) and GoTyme (G52/100), 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 GoTyme 4-1.
| G GoTyme №65 · BSP 52 /100 | S Starling Bank №12 · FCA 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Full bank FCA |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | £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 | 4.8 ★ iOS 4.8 · And 4.7 | — |
| Read review → | Read review → | |
Pick GoTyme if…
Joint venture between Tyme Group (South African digital-bank operator) and JG Summit Holdings (PH conglomerate). Fastest-growing PH neobank — ~6M customers in <4 years. Instant in-mall card-issuance via Robinsons Retail kiosks is a structural differentiator.
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 GoTyme won 1 of 2
Starling Bank vs GoTyme — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is GoTyme better than Starling Bank?
Under our v3 methodology, Starling Bank leads GoTyme 4–1 across 12 dimensions. Composite scores: GoTyme 52/100 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 GoTyme or Starling Bank cheaper?
Monthly fee — GoTyme: €0; Starling Bank: €0. Card FX markup — GoTyme: 1.50%; 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, GoTyme or Starling Bank?
GoTyme holds a Payment inst. licence under BSP; 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 GoTyme and Starling Bank?
GoTyme 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.