Leave a comment if you agree OR disagree! Would be great to hear some opinions!

I'll be honest. All I care about is how good a bank's pot function is and Monzo kicks ass so I'm not leaving.

I've had a Starling account for 4 years. It's been great, especially when outside the UK. We have a joint account for our family 'day to day' expenses which is excellent for tracking spending.

I went for Starling… because i won a Nintendo Mini through one of their early competitions. They were talking my language :). NFA

I made the switch completely from Santander to Starling for 3 years ago now. I've had no issues and zero regrets. At the time the main choice was Monzo or Starling. I am not sure what drew me to Starling, but after watching this video I am glad I chose Starling. I love the modern features of Starling, at the same time, it is not trying to be "cool", it feels like a professional and legitimate bank with clear goals that is becoming profitable and focusing on features that are useful to customers. All these new features are nice, but if it doesn't do the basics of being a bank and being trustworthy and professional, then it is a no go for me.

Spot on as always Sasha! I think Monzo's sheer popularity with the younger generation will be its saving grace. At least 7/10 people I know have a Monzo account as a 'cash card' alongside their high street bank. I don't know very many people with a Starling (besides myself and a few friends), but seeing people who use Starling often have it as their main bank, and are much smarter/ financially aware than the younger generation, which admittedly I am apart of 😂

You're right that Starling choosing to focus on B2B and business loans was a huge game-changer. Monzo was trying to iterate- but had no focus.

I think Monzo offering their new Monzo Flex feature could be a real game changer! It’s going to draw in even more modern and young users, who will be impressed with their usability and pot features and could end up switching fully. Cutting into the Klarna style market.

I've been a Starling customer for one month now and it is Brill-i-ant! I was accepted immediately. Monzo took days, then rejected me!🤨 Starling us great for budgeting and money management, so easy to use. 🤩💷

Monzo Flex is the game changer for me. Along with all the other budgeting features, salary sorter etc, it’s just a better option now. Starling feels better for some people just because of their more “serious” branding. I am not saying that they don’t have some advantages like travel or depositing money but for me at least, these are not something I look after. Buying something for 600£ and splitting it to 200£ per month with no interest? That’s a convenient for sure.

I've been waiting for a Starling vs Monzo comparison!

For me a bank is good if their customer service is very good. Without that the rest doesn’t matter (app,card colour:) etc).

With both Starling and Monzo, but have recently opened an account with Chase, when Chase allow direct debits etc, I think I’ll be moving over to them, but I’ll more than likely keep Starling and Monzo accounts open as backups. Both are relatively new compared to Chase who already have a presence in the US.

My wife and I both have starling as our main accounts and we also have a joint account. Really like them

i think starling is going to end up being the number 1 bank in the next 20 years. all the high street banks can’t match the service that starling gives

Looking forward to your Chase Bank review. I got mine yesterday. For sure this new comer will take the shine off Starling. Especially with the 1% Cashback and FX free spend. I ditched Monzo for a bank switch offer to Santander.

I wish Starling would implement the budgeting feature similar to Monzo’s

Monzo has a lot of good features in place (instant life transactions and the saving pots being two big pluses for me), however I mainly use Monzo as a pre-paid card. I still think the traditional banks have far more reliable day to day features in place, so for that reason, I’m sticking with my current high street bank.

Great video, thanks! Having been a Monzo user since beta, I’ve found myself wondering… what the hell are they doing? No features or innovation for a long time. But tbh, they work fine for mine and my wife’s joint account, with post for bills and short term savings, while I have moved back to using HSBC as my “proper” bank. This way I spend less time worrying about the implementation details of the FSCS…

Is Starling's future brighter than Monzo's coral pink card though?! Sounds like it might just be! Great video Sasha. I really like Monzo for user friendly budgeting, and did actually invest a (very small) amount in their crowdfunding. I might check out Starling too :)

I have had a starling account from the beginning of the year after much consideration and watching some of your videos. I use it alongside my high street bank account and it’s been great so far! Like you pointed out, monzo just doesn’t have that same consistency.

Will you say something about Revolut please? I like their services but I have the impression that their economic situation isn't too sound, there are audit/reporting concerns etc. And no banking licence in UK. Yikes! I use them a lot for travelling but don't leave a large balance there.

I absolutely love starling. The only time I used Monzo was when travelling with my friends

Tide also has the concept of "pots", but these pots actually have an account number. Very useful for small business, freelancers etc. Now FCA approved should open a sensible alternative

Great video,, I've just "signed up" for Starling on the strength of this information,,

Do you think Starling Bank are gonna come out with a credit card of their own soon? If they're doing this well without one, I can imagine the credit card doing very well for them too

I like the instant notification when you spend on it went to aldi earlier today and got the notification that I had spent at aldi even before the reciept had been printed from the till

I went from monzo to starling and I'm now going back. Starling used to have a decent app until the upgrade a year or so ago, I really dislike how it's set up now.

Love your videos Sasha keep up the good work 😊💪

This was so interesting and useful, thank you so much!

Fantastic video! 👍🏻

Fully agree with you here. I joined Monzo back in 2016 and I consider it my “cool” bank. I use it for all my expendable income stuff like eating out etc. however, I’ve never felt comfortable trusting them with more than that because they don’t feel mature or consistent (the double-edge of being trendy I suppose). In 2018 I joined Starling because I wanted Apple Pay and They were the only bank to offer it at the time (I think). Soon after joining, I felt they could take over my high-street bank as my main bank for income, direct debits, overdrafts and so on. Starling feels more grounded and focused than Monzo, while being more convenient and technologically ahead of high street banks

Great video! Can you op a Starling account if you don't live the UK? If so, how? Thank you!

Starling’s business kit is brilliant. They focus on banking.

Can you do a video on how Santander is literally the worst bank ever

Starling supports Garmin Pay but Monzo doesn't. Very niche but I use it.

I use both. Both are great. I prefer starling + they also provide you with a free euro account. Monzo's flex is amazing though. Flex's BNPL through a virtual card that works everywhere + option to use monzo's physical debit card and then flex it + section 75 protection. I also had my flex credit increased to 5k. Hence, I stopped using my actual credit card.

Will you do review of the new Chase account?

What about Revolut compering to monzo and sterling

I really like starling. Especially on holiday. The card is great. And the euro account muy bien

I have banked with Santander (current account) for over 30 years & want to switch to Starling, a little scared!!!

Agree Sasha, I want Monzo to work so well but their financial accounts are scary. I just hope that Starling are the Microsoft of the banking industry and Monzo are the Apple of the market and will show some recovery at their darkest hour. Both platforms have some great features. I’ll continue us to watch the space 🤞

Hopefully starling will bring the paid early feature like monzo

Agree Sasha that Starling has the potential to become a big player in the banking world. I use Starling as my main current account and find the product and customer service to be exceptional.

I still have a 'normal' bank account, but use Monzo as a secondary account just for the pots. I have lots of pots that I add to every month as soon as I get paid.

*Update* I rejoined Starling after 6 months (not 12 months as told by starling) here is how I did it. My partner has an account with Starling and they sent me a link to join the bank and also got a tree planted! The process is the same as first time joining but the referral link opens an account sooner than 12 months if you previously closed your account. If you don’t use the link and apply as normal online it will decline you. I’m so happy this happened for me as I love Starling. I definitely won’t be changing banks now. I’ve tried all the others and Starling is more trusting and reliable and consistent

I'm a student here in the UK and i applied for Monzo, which bank do you recommend for a student who's looking to open a saving's account?

I opened a Monzo account to start dabbling with crypto. Now Monzo won't even deal with Binance. WTF was the point! Is Starling the answer for me or Revolut?

Just set up starling today going to keep my santander for every day bills and large saving pot, i also have a Halifax for my mortgage payments along with my pension pot which I will also keep I will set up a weekly direct debit to my starling with the free cash I have left over looks promising May switch fully the only problem I see is no direct debits for Netflix any others?

Good stuff glad im with starling

Do you think Wise will ever go into consumer banking?

Dunno why, Starling on the app store went from 4.7 (Same as Monzo), straight to 4.2 in a day. That's quite a hit. Would probably use this bank full time if they went Visa, and gave a better looking card. Then again, a lot of banks are moving the mastercard for some reason

Starling has online banking... Monzo only has a cellphone app.

I love Starling but I closed it. Waiting till July before I can reopen an account. Monzo is a bank where I just don’t trust it at all with all the account closures etc. I have joined Chase Bank tho so hopefully once it’s out of beta mode it will become a great bank 😊

Have you managed to get your hands on a chase account yet? What are your thoughts atm?

Monzo is way better user experience

"Instead of trying to figure out how to scale up customer support Monzo was busy trying to figure out how to cut out a debit card from a piece of metal" 🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣 this is the best thing I have heard in ages. Never used Monzo and probably never will due to gimmicks such as metal cards. I need a bank to be a bank

I wouldn’t recommend Starling, I’ve had problems with them charging me out the blue. Monzo had absolutely no issues

Please can you make a video about the etorro money card account that they offer would like to hear your opinions 👍

Monzo has been my rock and starling never offered me the right product

Judging from the negative comments on the Google play store, the feeling I have is that everything is fine until you need support. Then anything could happen, from frozen accounts to transactions in limbo to the inability to use the account altogether, which is especially troublesome when abroad. Also it looks like starling is obsessed with kyc and extra verifications which could be required at any time during the life cycle of the account. On a side note they also botched one of the last android updates, which forced users to go through video verification once again (although some users reported they needed to go through this multiple times).

why did starling and i think monzo end their real cheap overdrafts rates. was it just a gimmick to lure people in or was it a change in the law

I think wise is the best

Hi Sasha, can you please make an update on AMD?

i like monzo better i like there new virtual cards for pots

And then Chase will beat them all...

To be honest I would say I been with most uk current account provides at some point and I stayed with nationwide I think thay are best high street bank along with barleys Mozo is ok but would never trust it as mine bank account I like the card with mozo but I don’t think the 5 pounds charge for replacement of a debit card for Monzo is fair as no high street banks do it. I think starling is good but I like Monzo card colour more lol

Next Monzo should be like "sort us out Sasha!"

monzo flex out soon

TSB spend and save account is a laughable attempt to take on the Challenger banks

Best place to get a loan from Sasha?

Surely they would make their money back on the Monzo premium £5.00 a month

Monzo is the best

Both were great for fraud

One day I will work at Starling Bank.

Yeah, Im Team Starling, that Team Coral is falling. People still hasnt makes their mind what colour is the card