Starling Bank vs Nomo.
Starling Bank (S77/100) and Nomo (N52/100), 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 Nomo 4-3.
| N Nomo №68 · FCA 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 | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. FCA | Full bank FCA |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | £85,000 GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | — |
| Read review → | Read review → | |
Pick Nomo if…
Sharia-compliant digital bank — Boubyan Bank Kuwait digital arm via Bank of London + The Middle East (BLME, FCA-licensed). Cross-border GCC-UK money management. UK FSCS GBP 85K + Kuwait DPS via parent. Unique dual-passport structure.
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 Nomo won 2 of 3
- Best for ux Nomo won 1 of 2
Starling Bank vs Nomo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nomo better than Starling Bank?
Under our v3 methodology, Starling Bank leads Nomo 4–3 across 12 dimensions. Composite scores: Nomo 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 Nomo or Starling Bank cheaper?
Monthly fee — Nomo: €0; Starling Bank: €0. Card FX markup — Nomo: 1.00%; 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, Nomo or Starling Bank?
Nomo holds a Payment inst. licence under FCA; 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 Nomo and Starling Bank?
Nomo operates in 2 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.