Starling Bank

Starling Bank

UK Business Banking

VS

dLocal

Emerging Markets

dLocal
Fees from
Free personal accounts vs 3-7% all-inclusive
Features

1 shared

2 unique to Starling Bank · 1 unique to dLocal
Regions

0 shared

1 unique to Starling Bank · 4 unique to dLocal
Pay methods

1 shared

5 unique to Starling Bank · 9 unique to dLocal
On payment methods

dLocal supports 10 payment methods, 4 more than Starling Bank. Verify directly with each provider before signing.

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4 features · 15 payment methods · 5 regions. We don't rank these — they're here for reference.
Starling Bank Starling Bank
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Free personal accounts
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2014
2016
Headquarters
London, United Kingdom
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Starling Bank leads (3 vs 2)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Low Fees Unique
✓
—
Recurring Payments Unique
✓
—
Payment Methods
dLocal leads (10 vs 6)
Amex Unique
—
✓
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Direct Debit Unique
✓
—
Faster Payments Unique
✓
—
Google Pay Unique
✓
—
Mastercard Unique
—
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Visa Unique
—
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓

Starling Bank is best when you...

UK Business Banking
Need Low Fees
Not available with dLocal
Need Recurring Payments
Not available with dLocal
Want coverage in Europe
dLocal doesn't cover this region
View Starling Bank

dLocal is best when you...

Emerging Markets
Need Enterprise
Not available with Starling Bank
Want coverage in Africa, Asia, Latin America, Middle East
Starling Bank doesn't cover these regions
View dLocal

Frequently Asked Questions

What is the difference between Starling Bank and dLocal?
They share 1 payment method and 0 regions. Starling Bank adds Apple Pay, Debit Card, Direct Debit and 2 more that dLocal does not list; dLocal adds Amex, Boleto, Cash and 6 more that Starling Bank does not list; Starling Bank also covers Europe; dLocal also covers Africa, Asia and 2 more.
Which is cheaper, Starling Bank or dLocal?
Starling Bank has published rates from Free personal accounts; dLocal has published rates from 3-7% all-inclusive. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Starling Bank and dLocal?
Starling Bank lists 1 region and 6 payment methods; dLocal lists 4 and 10. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Starling Bank and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; dLocal publishes a settlement time of 2–7 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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