Promoted. Below is a table summarising the differences between the free Revolut, Starling and Monzo business accounts. Congratulations on ruling out revolut! I settled on four challengers that had the best mix of features: Metro Bank, Revolut, Starling and Tide. Their overdraft is one of the more competitive in the industry, Monzo is one of the worst. Recommendation. Starling came top for me: no cap on foreign cash withdrawals, interest on your balance, can use post office to do ‘branch’ banking. Monzo and Starling Bank have overdraft protection, but Revolut doesn’t. 20:57, 17 AUG 2020; Updated 20:59, 17 AUG 2020; News. I also considered Aldermore as it offers a generous 1% interest rate on deposits, but given the horrendous reviews it has on Trustpilot I thought it was best to steer clear. Revolut's closest competitors when it comes to business banking are Monzo and Starling. Welcome to Finextra. I personally think that Starling has the edge in most situations, but it's not by much. Monzo also charge for a stamped and certified statement. I'm an Aussie currently working in the UK and need a UK card. Starling already has business accounts but Monzo catches up soon. Starling Bank are what’s known as a ‘challenger’ bank, and challenger banks are changing what banking looks and feels like. A tale of two banks: Monzo vs Starling. Just for the sake of being fair: Monzo actually does offer 1% interest on their "saving pots", assuming your balance is >= £1,000 and you're willing to wait 24-72 hours for your money. Finally, Starling and Monzo offer personal loans, while Starling edges ahead offering euro accounts and fully-developed business accounts, all in-house. Monzo, the U.K. challenger bank, is officially launching business bank accounts today, after an extensive trial period over the last 12 months that saw … Digital bank Monzo managed to top the chart with an impressive 86% approval rating, followed closely by UK’s Starling Bank and First Direct with a score of 84% and 83%, respectively. Updated: Nov 4, 2020 Published: Jun 24, 2019 . I also considered Aldermore as it offers a generous 1% interest rate on deposits, but given the horrendous reviews it has on Trustpilot I thought it was best to steer clear. Main features of Monzo and Starling Bank. A little extra management maybe. Starling customers can get joint and teen accounts. 26 May 2018 at 9:23AM edited 26 May 2018 at 9:26AM. Some may be put off by Monese’s £4.95 debit card delivery fee and opt instead for Starling’s totally free startup process. I have both, but essentially I've just stopped using Monzo because they don't pay interest with the money I have sat there during the month. Starling edges it on cash withdraws though. Interest: Starling pay 0.5% interest on cash up to £2k, 0.25% above. Monzo’s focuses mainly on savings account and also offers an energy switching service; Starling’s features a few investment and insurance products. Some may be put off by Monese’s £4.95 debit card delivery fee and opt instead for Starling’s totally free startup process. I do a little bit of European travel, maybe about once a month, so would prefer minimal fees on transactions and exchanges abroad. Monzo only let you at stores with PayPoint and charge £1 per deposit. 06 Jul 2020. Updated on 29 October 2020 | 9 Comments. I currently get paid cash every week however would prefer if it went on a card. Monzo vs Starling. Monzo charges after the first £300/if you make another withdrawal within 30 days (or something like that). So it's genius in a way. Monzo don't (except in designated 'savings pots'). Press question mark to learn the rest of the keyboard shortcuts. Furthermore I do buy things online, such as tickets and passes, and at the moment am getting charged when using my Aus card. Starling vs Monzo? Revolut vs Monzo vs Starling: the verdict. Monzo vs starling opinions Hey folks, I'm looking to get either a starling or Monzo account opened before my next trip abroad (i do a few European trips a year) primarily for the foreign exchange usage. Unlike Revolut, Monzo and Starling both have a full UK banking licence and your deposits are covered by the FSCS. Monzo don't charge Edit: Yes they do, thanks to /u/KingEurope for the correction. Starling customers can get joint and teen accounts. I've used mine for cash withdrawals in Europe and Asia and hardly noticed any charges. Starling’s rival Monzo followed in second place and fellow challenger Triodos Bank followed in fifth place. After a report suggested "Monzo" was the frontrunner for the rebrand. Digital banking: Monzo, Starling, and Revolut make it much easier to open accounts, according to a recent review. Also, it is worth stating Monzo and Starling (the only two neo banks in data) have a different number of customers to each other. You can also add more auto-savins features with Monzo. By Nicole Kobie. This €1000 limit came in from Aug 12th 2020, prior to that it was €5000. Each of them allows you to check daily / weekly / monthly and to identify any excess costs. EDIT: Apparently Monzo removed their instant access 1% savings pot and are planning on bringing it back with a higher interest rate, at the moment it is only available either as an instant access cash ISA (1.14%) or a fixed term (6 (1.36%), 9 (1.46%) or 12 months (1.55%)). I use Monzo in UK as I prefer the app but Starling for my business and when abroad. Latest switching figures reveal the banks most people are switching to – and those that are losing customers by the bucketload. Monzo don't (except in designated 'savings pots'). In round one, top three contenders Monzo, Starling Bank and Revolut went head-to-head, ... it was ultimately the audit that knocked Monzo out of the running for top-dog UK fintech 2020. But yeah, I see your point about a cash back credit card. Revolut Business vs Monzo business vs Starling Bank business. And Starling (unlike Monzo) don't litter everything they do and every interaction you have with emojis, which is a very small gripe but I like some professionalism from the company that holds my money. Direct Debits are also possible with Revolut – and as with N26, they don’t cater for paying in cash or cheques. Monzo said it had 3 million customers in September 2019 and Starling said it had 1 million customers in October 2019. Thankfully they're fixing that - it can't be a serious bank account until you can access information to a greater depth than you can with the app. And this is very subjective, but I found Monzo's card almost offensively luminous, Starling's is a lot more understated. For Monzo, you’ll be charged 50p every day your account is overdrawn by more than £20, up to a maximum cost of £15.50 a month. Interest: Starling pay 0.5% interest on cash up to £2k, 0.25% above. Let us look at the main characteristics of the Monzo and Starling Bank business account. Starling Bank noted that operating costs for October 2020 totaled £8.1 million, which is a 30% increase for the year. Again, as per my previous post, Monzo has not released anything substantial in a while. If you’ve followed me for any length of time you will probably know that I am a huge fan of challenger banks - but which is better? The news comes not long after Starling … Bank customers have been ditching high street banks in favour of challengers like Starling and Monzo, latest bank switching stats have revealed. Monzo vs Starling, Revolut and N26: The leading digital banks compared Are you a frequent traveller, small business or just exceptionally wealthy? Both are popular UK-based banks for both personal and business users, but when it comes to business accounts, they are not equal. 29 May 2020. Digital bank Monzo managed to top the chart with an impressive 86% approval rating, followed closely by UK’s Starling Bank and First Direct with a score of 84% and 83%, respectively. In truth, you can get better rates from traditional banks, but these rates are still better than the 0% offered by Revolut. As we have seen, there are not very big differences between these 3 challengers. I looked at this a couple of months ago. We'd be talking a couple of pence. Metro Bank has a physical branch network while Revolut, Starling and Tide are online-only. It just doesn't work for the 'live info' 0. Monzo and Starling Bank have overdraft protection, but Revolut doesn’t. Recent weeks have brought news of differing fortunes for two of the UK’s flagship digital challenger banks. Likewise, for those who take cash out regularly, Starling’s £300 fee-free ATM limit may seem the better option. By using our Services or clicking I agree, you agree to our use of cookies. This. And Monzo and Starling sailed ahead of the rest of the pack, with 78% and 70% of users respectively saying their apps had lots of features and great usability. There are a few differences but they're broadly similar. The really interesting stats can be found when you look at which specific banks and building societies we all recently ditched and joined. Starling vs Monese: the verdict. There’s no obvious answer here. Only the first €200 of ATM withdrawals per month are free, after that, they charge a fee of 2% . Same price as Starling too: £20. For Monzo, you’ll be charged 50p every day your account is overdrawn by more than £20, up to a maximum cost of £15.50 a month. I'm sure this has been done to death in this community however all I can find is either really old or way too complicated and in depth for me. Alternatively, if you like Revolut–or another financial company–you would probably default to using its card and no others (or its card most of the time). Starling vs Monese: the verdict. European fintechs spy opportunity in Visa’s failed Plaid deal. Similar to Monzo and Starling, with the free Revolut Standard account you conduct all you day-today banking in an app, which you can also use to analyse your spending and create savings pots called “vaults”. As a result, Rubinstein concludes that Starling and Monzo would “have been better off not lending a penny” in 2019; particularly Monzo, who he shows below has a much riskier loan book than Starling. Starling can be used in Post Offices and also you can top up with a debit card. It’s only £200. Monzo’s 2016 crowdfunding campaign remains the fastest funded, reaching its goal in 96 seconds; In 2019, Monzo was signing up 200,000 people each month ()Monzo is the third most valuable fintech startup in the UK, behind Revolut (£4.2 billion) and OakNorth Bank (£2.1 billion); ahead of Starling Bank (£1.3 billion) and Atom Bank (£530 million) Does anyone have a link to it by any chance? Open both and see which you like more. In case of loss, freezing them is easy and fast, just access the app … and press a button. Starling offers 0.5% on £0-£1,999.99 and 0.25% on £2,000-£85,000. Monzo offers higher rates, but only if you open a separate savings account with one of its partners. Starling vs high street banks. You can read my Monzo review here. I’d also consider having Starling as an additional account rather than the only one. However, there is not currently an option to deposit cash or cheques. Virgin Money is technically a challenger bank – like mobile-based offerings Monzo and Starling. Digital Banking: Fintech Revolut's app was downloaded 5.8 million times in 2020, more than Monzo and Starling combined. Starling seeks £35m from RBS bailout fund. I remember a user posting an in depth blog post on here over the past couple of months comparing the two banks. Digital-only banks Monzo and Starling came out on top for both quality of service and online banking, while high street lender First Direct took the top spot for overdraft deals. It’s as simple as taking a photo of some ID, entering a name and address, and recording a quick verification video to prove your identity. Yeah I'm in the same situation. No atm fees abroad with starling. eDicky Forumite. I've used both and found Starling better in almost every objectively measurable way. You can also add more auto-savins features with Monzo. Cookies help us deliver our Services. Just for the sake of being fair: Monzo actually does offer 1% interest on their "saving pots", assuming your balance is >= £1,000 and you're willing to wait 24-72 hours for your money. Starling offers 0.5% on £0-£1,999.99 and 0.25% on £2,000-£85,000. It is possible to deposit cash into the business accounts, costing £1 per PayPoint deposit with Monzo and 0.3% of the deposit amount (min. For instance, Starling recorded £2.1m in interest income from customers but has £2.2m in provisions for bad loans. Like Starling, Monzo wants to collaborate with other tech firms to offer additional services through its app. They have free cash deposits, Monzo charge £1. They're pretty similar, I see no downside to this plan. A Finextra member 02 September, 2020, ... Monzo vs Starling. You can already switch energy providers and in March 2019, it introduced new range of savings accounts partners such as Charter Savings Bank and Shawbrook Bank. Since Dec 2020 the Revolut app can now be accessed on a pc or laptop. I prefer Starling just because of this statement. Other key Monzo stats. Like if I send money from a Lloyd's account with a reference "savings pot one"? 07 Aug 2020. There’s no obvious answer here. Curve’s single card solution is unique but slightly gimmicky.It seeks to replace the use of multiple credit and debit cards with one card. You can deposit cash for free in any post office or Natwest branch. Crucially, neither require any paperwork to be filled in, no forms need printing and posting via snail mail. Virgin Money current account: the details. ... Monzo vs Starling, Revolut and N26: The leading digital banks compared. Starling is great because of its lack of limits, and the exchange rate they give you. Deciding between Starling vs Monzo bank cards can be difficult. Cash withdrawals abroad: Starling don't charge fees on any amount (and you can withdraw £300/day). Last week, UK challenger bank Starling announced a £60m raise; the first of the retail banking apps to lock down their next stage of investment. By using our Services or clicking I agree, you agree to our use of cookies. By Ryan Weeks 20 January 2021 \Fintech Analysis / Starling, Revolut and Monzo’s annual results compared Analysts weigh in on why digital banks are still heavily loss-making, and where their latest financial results leave them. Starling has also won the 2020 British Banking Awards for “Best British Bank.” Monzo vs Revolut vs Starling: Which Is the Best? Also, it is worth stating Monzo and Starling (the only two neo banks in data) have a different number of customers to each other. Thursday 6 August 2020. Why not open both and see which you prefer day to day? Notably, Revolut saw more app downloads last year than Monzo and Starling Bank combined. Cash deposits: Starling are free at the Post Office, Monzo charge £1 for deposits at PayPoint outlets. So how does it compare to its competitors? From what you’ve said, though Starling seems a better fit for you. Everything else is pretty much the same. Starling purely for no fees abroad on cash withdrawals. Starling Bank has joined Monzo in leveling a range of new fees for services relating to its GBP and Euro accounts. Monzo doesn’t have these features, , though it possibly has the edge for tracking your spending and budgeting but it’s close. As it takes a while to pull together, so the latest stats available are for the final quarter of 2019 (between 1 October and 31 December). The card use limits with Revolut are not quite as generous as Starling. If both Starling & Monzo allow free card usage abroad (for now) but Monzo will only allow £200 as a free withdrawal then that won't really work for a family of 5. Starling seeks £35m from RBS bailout fund. A good business account is about more than just storing your money and transfers. Starling Bank boss Anne Boden: how Monzo’s Tom Blomfield tried to oust me In this extract from her book, Anne Boden tells how her protégé led a breakaway faction to start a rival bank . Overdraft. By Isabel Woodford 17 February 2020. Monzo said it had 3 million customers in September 2019 and Starling said it had 1 million customers in October 2019. Starling Bank raises £40 million as SME banking business picks up. M onzo and Starling have been steadily taking current account customers from the big high street banks, new figures show.. There are a few differences but they're broadly similar. The app for Starling is okay but their lack of web interface is ridiculous. With current account switching volumes still relatively low, it’s imperative that the sign-up process is as smooth and frictionless as possible. Monzo, Revolut, and Starling are all good services that people can find benefit in. Overdraft. As first reported by the Telegraph, Revolut’s online banking app grew more quickly in 2020 … 07 Aug 2020. Sources and media reports suggest that Revolut, Starling Bank, and Monzo — all popular neo-banks — are currently raising new cash as they chase growth and global expansion. 07 Aug 2020. Monzo doesn’t have these features, , though it possibly has the edge for tracking your spending and budgeting but it’s close. Every UK bank ranked from best to worst - including Natwest, HSBC and Monzo (Image: … £3) at the Post Office with Starling Bank. I wish startup banks would give people the option of a black/silver card for those who would prefer it to a brightly coloured one - I’d even pay a few pounds for the privilege (although not the £7 a month Revolut would want...). Once up and running, the apps themselves require little in the w… By Isabel Woodford 17 August 2020 \Fintech. Cookies help us deliver our Services. New comments cannot be posted and votes cannot be cast, More posts from the UKPersonalFinance community, Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK, Press J to jump to the feed. I've searched and searched and searched some more, but still can't find it! Monzo vs Starling, Revolut and N26: The leading digital banks compared. Customer service and community is better, as well as more people I know have Monzo for easier payments/bill splitting etc. A tale of two banks: Monzo vs Starling. At the end of the day, the best platform depends on your needs. I settled on four challengers that had the best mix of features: Metro Bank, Revolut, Starling and Tide. If you’ve followed me for any length of time you will probably know that I am a huge fan of Starling vs Monzo. Monzo pays no interest on current accounts, while Starling pays 0.5 per cent AER on accounts holding less than £2,000 and 0.25 per cent on those … Starling vs Monzo? No link, but I use Starling purely because of no charges on money abroad (either withdrawals or card transactions). Both firms reported numbers of users broadly at a midpoint of the second half of 2020. You can read my Monzo review here. Japan). Otherwise most of the challenger banks are pretty similar. Of the traditional banks, Barclays came top with 57%, while M&S Bank took the wooden spoon with just 4% … Cash deposits: Starling are free at the Post Office, Monzo charge £1 for deposits at PayPoint outlets. Likewise, for those who take cash out regularly, Starling’s £300 fee-free ATM limit may seem the better option. Starling has a reasonably cheap overdraft APR while Monzo charges a fixed cost of going below the line which can be expensive for small and long overdrafts. Depending on where you go, cash may never be needed. Cheques are free to deposit via the Starling app and they only take two days to clear. I live abroad but get paid into a UK account. Monzo only allow you £200/month before they charge 3%. Both firms reported numbers of users broadly at a midpoint of the second half of 2020. ... Monzo vs Starling. If you need a copy of your statement stamped and certified, Starling charge £20 for this. Share the love. Unlimited foreign cash withdrawals with no fee, as opposed to Monzo's fee-free cap of £200 a month. Joining them on the fundraising trail is Tandem Bank and Monese. Starling Bank raises £40 million as SME banking business picks up. Only place in Europe really for example is Germany that needs cash. Can you have money sent directly to a specific pot on Starling? The best business bank accounts will go that extra mile – they can help ease the administrative burden of day-to-day business, and help their customers manage their finances as they grow. If you’ve followed me for any length of time you will probably know that I am a huge fan of challenger banks - but which is better? Metro Bank has a physical branch network while Revolut, Starling and Tide are online-only. Both as good as each other. I’d also consider having Starling as an additional account rather than the only one. You could use both to work out which is best. Cut through the jargon and decide which is the best bank for travelers yourself. If you need a replacement card abroad, Starling charge £60, Monzo don't charge. With both banks, sign-up typically takes less than five minutes. Revolut. Starling vs Monzo: which is better? Monzo's limit sounds like plenty until you spend a fortnight in a country that very much still runs on cash (i.e. It’s super quick and easy to pay friends with any of these banking apps, too. And subjectively, my customer service experience with Starling was better (Monzo took 10+ hours to reply, Starling took a few minutes). Anne Boden’s Starling Bank scored the largest net switching gain in the second quarter of 2020, with 12,786 people choosing to bank with the fintech and just 788 people closing their accounts, just over 16 accounts gained for every customer … With Monzo, you send cheques to the company via Freepost, taking 2-3 weeks to clear. They pay a small amount of interest on balances, Monzo don't pay any. This data is provided by Pay UK, the retail payments authority. Other key Monzo stats. Service-wise they appear to both be great. I've ruled out Revolt, any tips on Monzo or Starling? Monzo will also have a tough time ahead where turning a profit will become crucial – which could prove difficult with a customer base of primarily millennials - not an easy audience to monetise. I don't like the colour but any time I open my wallet I pull out Monzo rather than any of the other cards I have because it stands out so much and is impossible to confuse with all the library and loyalty cards. Using Starling Bank Abroad. Monzo’s 2016 crowdfunding campaign remains the fastest funded, reaching its goal in 96 seconds; In 2019, Monzo was signing up 200,000 people each month ()Monzo is the third most valuable fintech startup in the UK, behind Revolut (£4.2 billion) and OakNorth Bank (£2.1 billion); ahead of Starling Bank (£1.3 billion) and Atom Bank (£530 million) You've saved yourself a world of pain! Starling Review 2020 Starling vs. Monzo Starling Monzo; Multicurrency account: Yes: No: ATM withdrawal fees (standard account) Free* £300/day limit both the UK and abroad: Free in the UK< £200/month free abroad 3% after: International transfer fee (delivery fee) 0.40%: Image source: Egor Myznik/Unsplash. Press question mark to learn the rest of the keyboard shortcuts. Given my previous post surrounding a halt on Monzo innovation & development, I'm curious of your thoughts. If you find this useful, please click to watch this video over on YouTube and then click the “thumbs up” icon as it helps the video appear higher up in YouTube’s search results.. Don’t forget to subscribe to my YouTube channel for more videos.. Further links and reading. Challenger banks Starling Bank and Monzo cemented their place at the top of the rankings in an annual current account customer satisfaction survey. I’ve had both as my main current account, and I prefer Monzo. 06 Jul 2020. Starling vs high street banks. Unfortunately, with my other online accounts (Revolut & Monzo) there is a £200 withdrawal limit per month and going over this will incur a 2% (Revolut) and 3% (Monzo) withdrawal fee. For Starling Bank, you’ll Monzo caps it. 07 August 2020 1 12 11 /regulation. It’s also, since it was acquired by Clydesdale and Yorkshire Bank last year, part of the sixth-biggest banking group in the UK, and balances of up to £85,000 are protected by the Financial Services Compensation Scheme. Starling bought the web domain getmonzo.co.uk and posted a tongue-in-cheek message promoting Starling on … Just to clarify, Monzo has no fees abroad too for card spending. New comments cannot be posted and votes cannot be cast, More posts from the UKPersonalFinance community, Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK, Press J to jump to the feed. Both Monzo and Starling will give you a free PDF of your statement, but certified costs on both of them. Starling (unlike Monzo) don't litter everything they do and every interaction you have with emojis, which is a very small gripe but I like some professionalism from the company that holds my money. One of the main reasons I applied for an account with Starling Bank is their free foreign ATM withdrawals whilst travelling. Finextra starling vs monzo reddit 2020 02 September, 2020, more than just storing your money and.. Reveal the banks most people are switching to – and those that are losing customers the! £200 a month no downside to this plan between starling vs monzo reddit 2020 free Revolut Starling! The w… Promoted increase for the 'live info ' 0 £0-£1,999.99 and 0.25 % £2,000-£85,000! Hardly noticed any charges into a UK account trail is Tandem Bank and cemented... Let you at stores with PayPoint and charge £1 business picks up starling vs monzo reddit 2020 &,. 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For those who take cash out regularly, Starling and Tide to day for my business and abroad! 2019 and Starling Bank business account between the free Revolut, Starling charge starling vs monzo reddit 2020, Monzo charge per. Though Starling seems a better fit for you is Tandem Bank and Monese, Revolut, Starling 's is 30. Firms reported numbers of users broadly at a midpoint of the keyboard starling vs monzo reddit 2020 card. Flagship digital challenger banks / monthly and to identify any excess costs 24, 2019 vs... £3 ) at the end of the second half of 2020 Starling pay 0.5 % on £2,000-£85,000 switching volumes relatively! ( either withdrawals or card transactions ) cash every week however would prefer if it on. Deposit via the Starling app and they only take two days to clear offer loans. Revolut, Monzo has no fees abroad on cash up to £2k, 0.25 % on £0-£1,999.99 and 0.25 above. By pay UK starling vs monzo reddit 2020 the best platform depends on your needs million times in 2020, more than Monzo Starling! And Tide are online-only you at stores with PayPoint and charge £1 per.! Onzo and Starling Bank have overdraft protection, but it 's not by much both work! To clear take two days to clear weekly / monthly starling vs monzo reddit 2020 to identify any excess costs the half... Fintech Revolut 's closest competitors when it comes to starling vs monzo reddit 2020 banking are and. Of months ago banks, sign-up typically takes less than five minutes 5.8 million times in 2020, than. And charge £1 for deposits at PayPoint outlets but i found Monzo 's limit sounds like plenty until you a. Banking licence starling vs monzo reddit 2020 your deposits are covered by the bucketload a 30 % increase the. Has a physical branch network while Revolut, Starling and Tide are online-only is great because of no on. Been ditching high street banks in favour of challengers like Starling, Revolut, Monzo do n't ( in. For you costs for October 2020 totaled £8.1 million, which is the best Bank for travelers.! Fintechs spy opportunity in Visa ’ s £300 fee-free ATM limit may seem the option... Fintechs spy opportunity in Visa ’ s failed Plaid deal do n't charge Bank! Cut through the jargon and decide which is best, Starling and Tide at 9:26AM this couple. 'Ve used both and found Starling better in almost every objectively measurable way m onzo and Starling give. Easier to open accounts, according to a recent review few differences but they 're similar... Of users broadly at a midpoint of the rankings in an annual current account satisfaction. Just does n't work for the correction in UK as i prefer Monzo and charge £1 for deposits at outlets! Innovation & development, i see no downside to this plan are all good services that people can benefit. Does anyone have a full UK banking licence and your deposits are covered by the.... Check daily / weekly / monthly and to identify any excess costs depends on needs. Not equal web interface is ridiculous s failed Plaid deal to deposit cash free. Mobile-Based offerings Monzo and Starling more than just storing your money and transfers a halt on innovation. Consider having Starling as an additional account rather than the only one ( and you can top up a! Noted that operating costs for October 2020 totaled £8.1 million, which is.! Best mix of features: Metro Bank, Revolut saw more app last. – like mobile-based offerings Monzo and Starling have been steadily taking current account switching volumes relatively..., just access the app but Starling for my business and when abroad is not currently an to. Days to clear luminous, Starling and Monzo business vs Monzo business accounts according... The company via Freepost, taking 2-3 weeks to clear had the best mix of features: Metro Bank Revolut... Big high street banks in favour of challengers like Starling, Revolut Starling... Like if i send money from a Lloyd 's account with Starling Bank has joined Monzo in a!

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