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Starling Bank

Starling Bank

UK Business Banking

VS

Sendwave

Zero-Fee African Remittances

Sendwave
Fees from
Free personal accounts vs Zero fees, FX margin
Features

2 shared

1 unique to Starling Bank
Regions

1 shared

2 unique to Sendwave
Pay methods

1 shared

5 unique to Starling Bank · 1 unique to Sendwave
On settlement

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

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Show full specs
3 features · 7 payment methods · 3 regions. We don't rank these — they're here for reference.
Starling Bank Starling Bank
Sendwave Sendwave
Quick Facts
Fees
Standard transaction rate
Free personal accounts
Zero fees, FX margin
Settlement
Time to receive funds
—
—
Founded
2014
2014
Headquarters
London, United Kingdom
Boston, Massachusetts
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Starling Bank leads (3 vs 2)
Instant Payout
✓
✓
Low Fees
✓
✓
Recurring Payments Unique
✓
—
Payment Methods
Starling Bank leads (6 vs 2)
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Debit Card Unique
✓
—
Direct Debit Unique
✓
—
Faster Payments Unique
✓
—
Google Pay Unique
✓
—
Mobile Money Unique
—
✓
Regions
Sendwave leads (3 vs 1)
Africa Unique
—
✓
Europe
✓
✓
North America Unique
—
✓

Starling Bank is best when you...

UK Business Banking
Need Recurring Payments
Not available with Sendwave
View Starling Bank

Sendwave is best when you...

Zero-Fee African Remittances
Want coverage in Africa, North America
Starling Bank doesn't cover these regions
View Sendwave

Frequently Asked Questions

What is the difference between Starling Bank and Sendwave?
They share 1 payment method and 1 region. Starling Bank adds Apple Pay, Debit Card, Direct Debit and 2 more that Sendwave does not list; Sendwave adds Mobile Money that Starling Bank does not list; Sendwave also covers Africa, North America; only Starling Bank offers Recurring Payments.
Which is cheaper, Starling Bank or Sendwave?
Starling Bank has published rates from Free personal accounts; Sendwave has published rates from Zero fees, FX margin. 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 Sendwave?
Starling Bank lists 1 region and 6 payment methods; Sendwave lists 3 and 2. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Starling Bank and Sendwave compare on integration and settlement?
Starling Bank offers a sandbox, Sendwave does not list one; both support 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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