Monzo vs Starling Bank
NotaPágina localizada automáticamente: títulos, cifras clave y categorías en español; las descripciones detalladas y los datos verificados provienen del perfil original en inglés.
Respuesta breveBoth are traditional neobanks. Monzo is the larger platform (~12M users). Compare custody, license, FX markup and fees field by field below.
Comparación directa
| Monzo | Starling Bank | |
|---|---|---|
| Categoría | tradicional | tradicional |
| Público | general | general |
| Sede | London, UK | London, UK |
| Fundada | 2015 | 2014 |
| Custodia | Con custodia | Con custodia |
| Tipo de regulación | Banco autorizado | Banco autorizado |
| Detalle de licencia | UK banking license | UK banking license |
| Tarjeta | MC · Debit | MC · Debit |
| Cashback | — | — |
| Rendimiento | ~4% savings pots | ~3-4% on balances |
| Margen de FX | 0% foreign transaction fee; Mastercard exchange rate, all tiers (2026-07) | 0% foreign transaction fee; Mastercard rate, no markup, any day/amount (2026-07) |
| Servicios | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., virtual cards | — |
| Stablecoins | No | No |
| KYC | Sí | Sí |
| Regiones activas | Europa | Europa |
| Usuarios declarados | 12M customers (2025) | — |
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.