Toss Bank vs Starling Bank.
Toss Bank (T78/100) and Starling Bank (S77/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Toss Bank leads Starling Bank 4-0.
| S Starling Bank №12 · FCA 77 /100 | T Toss Bank №11 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 77 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank FCA | Full bank KDIC |
| Deposit guarantee Per depositor | £85,000 GB.FSCS | €50,000,000 KR.KDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| 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 Toss Bank if…
Korea's third internet-only bank. Viva Republica subsidiary — operates inside the Toss super-app (~25M users). Full KFSC licence since 2021; KDIC cover. The mobile-app-native counterpart to Kakao Bank.
- Best for fees Tied
- Best for protection Toss Bank won 1 of 2
- Best for reach Toss Bank won 1 of 3
- Best for ux Toss Bank won 1 of 2
Toss Bank vs Starling Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Starling Bank better than Toss Bank?
Under our v3 methodology, Toss Bank leads Starling Bank 4–0 across 12 dimensions. Composite scores: Starling Bank 77/100 vs Toss Bank 78/100. Toss 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 Toss Bank cheaper?
Monthly fee — Starling Bank: €0; Toss Bank: €0. Card FX markup — Starling Bank: Interbank; Toss Bank: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Starling Bank or Toss Bank?
Starling Bank holds a Full bank licence under FCA; deposit guarantee per depositor: £85,000. Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Toss Bank is the stronger pick on regulatory protection.
Where can I use Starling Bank and Toss Bank?
Starling Bank operates in 1 country; Toss 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.