Starling Bank vs TymeBank.
Starling Bank (S77/100) and TymeBank (T50/100), 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 TymeBank 4-1.
| S Starling Bank №12 · FCA 77 /100 | T TymeBank №73 · SARB 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 77 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank FCA | Payment inst. SARB |
| Deposit guarantee Per depositor | £85,000 GB.FSCS | Safeguarded ZA.CODI |
| 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 4.3 |
| Read review → | Read review → | |
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.
Pick TymeBank if…
First South African full-bank digital launch (2018). Tyme Group's flagship product — the same operator behind GoTyme (PH). Pick n Pay + Boxer in-store card kiosks differentiate vs. all-app competitors. SARB-regulated full bank, CODI ZAR 100,000 cover. ~9M ZA customers.
- 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 TymeBank won 1 of 2
Starling Bank vs TymeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Starling Bank better than TymeBank?
Under our v3 methodology, Starling Bank leads TymeBank 4–1 across 12 dimensions. Composite scores: Starling Bank 77/100 vs TymeBank 50/100. Starling Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Starling Bank or TymeBank cheaper?
Monthly fee — Starling Bank: €0; TymeBank: €0. Card FX markup — Starling Bank: Interbank; TymeBank: 2.00%. 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, Starling Bank or TymeBank?
Starling Bank holds a Full bank licence under FCA; deposit guarantee per depositor: £85,000. TymeBank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. Starling Bank is the stronger pick on regulatory protection.
Where can I use Starling Bank and TymeBank?
Starling Bank operates in 1 country; TymeBank 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.