Starling Bank vs Trust Bank.
Starling Bank (S77/100) and Trust Bank (T52/100), 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 Trust Bank 4-1.
| S Starling Bank №12 · FCA 77 /100 | T Trust Bank №67 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 77 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank FCA | Payment inst. MAS |
| Deposit guarantee Per depositor | £85,000 GB.FSCS | Safeguarded SG.SDIC |
| 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 | — | 4.7 ★ iOS 4.7 · And 4.6 |
| 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 Trust Bank if…
Singapore's third Digital Full Bank under MAS — Standard Chartered + FairPrice (NTUC) JV. SDIC cover via the DFB licence. FairPrice grocery-spending integration is unique to its parents. ~800K SG customers in first year.
- 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 Trust Bank won 1 of 2
Starling Bank vs Trust Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Starling Bank better than Trust Bank?
Under our v3 methodology, Starling Bank leads Trust Bank 4–1 across 12 dimensions. Composite scores: Starling Bank 77/100 vs Trust Bank 52/100. 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 Trust Bank cheaper?
Monthly fee — Starling Bank: €0; Trust Bank: €0. Card FX markup — Starling Bank: Interbank; Trust Bank: 1.00%. 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 Trust Bank?
Starling Bank holds a Full bank licence under FCA; deposit guarantee per depositor: £85,000. Trust Bank holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Starling Bank is the stronger pick on regulatory protection.
Where can I use Starling Bank and Trust Bank?
Starling Bank operates in 1 country; Trust 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.