Starling Bank vs Nubank.
Starling Bank (S77/100) and Nubank (N72/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Nubank leads Starling Bank 6-2.
| N Nubank №27 · BACEN 72 /100 | S Starling Bank №12 · FCA 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank FCA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | £85,000 GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 1 country |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.1 ★ 2k reviews | — |
| App store iOS + Android avg | 4.8 ★ iOS 4.9 · And 4.8 | — |
| Read review → | Read review → | |
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
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 Nubank won 1 of 2
- Best for reach Nubank won 3 of 3
- Best for ux Nubank won 2 of 2
Starling Bank vs Nubank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than Starling Bank?
Under our v3 methodology, Nubank leads Starling Bank 6–2 across 12 dimensions. Composite scores: Nubank 72/100 vs Starling Bank 77/100. Nubank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nubank or Starling Bank cheaper?
Monthly fee — Nubank: €0; Starling Bank: €0. Card FX markup — Nubank: 4.00%; 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, Nubank or Starling Bank?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Starling Bank holds a Full bank licence under FCA; deposit guarantee per depositor: £85,000. Nubank is the stronger pick on regulatory protection.
Where can I use Nubank and Starling Bank?
Nubank operates in 3 countries; 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.