Starling Bank vs BHub.
Starling Bank (S77/100) and BHub (B44/100), 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 BHub 5-1.
| B BHub №85 · BACEN 44 /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) | €350 /mo | €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. 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 | 4.4 ★ iOS 4.5 · And 4.3 | — |
| Read review → | Read review → | |
Pick BHub if…
Brazilian SMB BaaS combining BACEN payment-institution banking with bookkeeping + payroll + tax-filing services. The structural fit for BR startups and growth-stage SMBs that want one platform handling Simples Nacional / Lucro Presumido / Lucro Real accounting + INSS / FGTS payroll + business banking — closer to a US Bench equivalent than to Nubank PJ or Mercado Pago Empresas.
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 2 of 4
- Best for protection Starling Bank won 2 of 2
- Best for reach Tied
- Best for ux BHub won 1 of 2
Starling Bank vs BHub — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is BHub better than Starling Bank?
Under our v3 methodology, Starling Bank leads BHub 5–1 across 12 dimensions. Composite scores: BHub 44/100 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 BHub or Starling Bank cheaper?
Monthly fee — BHub: €350; Starling Bank: €0. Card FX markup — BHub: 1.50%; Starling Bank: Interbank. Starling Bank wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, BHub or Starling Bank?
BHub 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 BHub and Starling Bank?
BHub 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.