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Starling Bank

Starling Bank

UK Business Banking

VS

Payoma

Businesses that want a multi-currency IBAN business account in the UK, EU or UAE, plus Visa and Mastercard card acquiring from the same provider.

Payoma
Fees from
Free personal accounts vs —
Features

0 shared

3 unique to Starling Bank
Regions

0 shared

1 unique to Starling Bank
Pay methods

1 shared

5 unique to Starling Bank · 7 unique to Payoma
On fees

Not enough published data on fees for a fair verdict — open the full specs below for reference.

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Show full specs
3 features · 13 payment methods · 1 regions. We don't rank these — they're here for reference.
Starling Bank Starling Bank
Payoma Payoma
Quick Facts
Fees
Standard transaction rate
Free personal accounts
—
Settlement
Time to receive funds
—
—
Founded
2014
—
Headquarters
London, United Kingdom
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Starling Bank leads (3 vs 0)
Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Recurring Payments Unique
✓
—
Payment Methods
Payoma leads (8 vs 6)
Apple Pay Unique
✓
—
Bacs Unique
—
✓
Bank Transfer Unique
✓
—
Chaps Unique
—
✓
Debit Card Unique
✓
—
Direct Debit Unique
✓
—
Faster Payments
✓
✓
Google Pay Unique
✓
—
Mastercard Unique
—
✓
Sepa Unique
—
✓
Swift Unique
—
✓
Virtual Account Unique
—
✓
Visa Unique
—
✓
Regions
Starling Bank leads (1 vs 0)
Europe Unique
✓
—

Starling Bank is best when you...

UK Business Banking
Need Instant Payout
Not available with Payoma
Need Low Fees
Not available with Payoma
Want coverage in Europe
Payoma doesn't cover this region
View Starling Bank

Payoma is best when you...

Businesses that want a multi-currency IBAN business account in the UK, EU or UAE, plus Visa and Mastercard card acquiring from the same provider.
View Payoma

Frequently Asked Questions

What is the difference between Starling Bank and Payoma?
They share 1 payment method and 0 regions. Starling Bank adds Apple Pay, Bank Transfer, Debit Card and 2 more that Payoma does not list; Payoma adds Bacs, CHAPS, Mastercard and 4 more that Starling Bank does not list; Starling Bank also covers Europe; only Starling Bank offers Instant Payout, Low Fees and 1 more.
Which is cheaper, Starling Bank or Payoma?
Starling Bank has published rates from Free personal accounts; Payoma has no published rate. 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 Payoma?
Starling Bank lists 1 region and 6 payment methods; Payoma lists 0 and 8. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Starling Bank and Payoma compare on integration and settlement?
Starling Bank offers a sandbox, Payoma does not list one; Starling Bank supports webhooks.

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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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