Dataset current to Oct 2026

Points Architect
SectionsClose

Head to head in Business FX

Wise Business vs Starling Business

At one £10,000 payment to US dollars in a month, Wise Business costs £35 for the month against £45.50 at Starling Business: £10.50 less. Wise Business stays cheaper at every amount from £500 to £100,000.

One payment from pounds to US dollars a month: the published margin or fee, the per-payment fee, and the plan's monthly fee. Every figure this site holds on both products is below, side by side. Of 8, 6 differ; those rows carry a rule and the rest are left quiet.

Disclosure Links to providers on this page earn this site nothing. They go to the provider’s own site unmodified, with no tracking parameters. If that ever changes, this notice changes with it. Full disclosure.

Go to Wise (opens wise.com in a new tab)Go to Starling (opens starlingbank.com in a new tab)

Wise

Wise Business

Full record
How this score is calculatedRubric 2026.1. Each criterion scores 0–5 from verified attributes, then is weighted. Nothing here is entered by hand.
CriterionWeightScorePoints
One £10,000 payment, with the plan fee70%4.252.97
Fixed cost per month30%4.481.34
Total100%4.3

Strong tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.

A one-time £50 to open and nothing a month after, then 0.35% on a GBP-to-USD conversion at the mid-market rate, with the percentage falling on anything sent above £20,000 in a month. No plan, no allowance, no fixed fee per payment: the cost is the percentage and nothing else.

Who this suits

Nothing in this product's verified data distinguishes it from the rest of this table.

Who it doesn’t

No verified figure in this table counts against this product. We don't manufacture a drawback to balance the page.

Starling Bank

Starling Business

Full record
How this score is calculatedRubric 2026.1. Each criterion scores 0–5 from verified attributes, then is weighted. Nothing here is entered by hand.
CriterionWeightScorePoints
One £10,000 payment, with the plan fee70%3.732.61
Fixed cost per month30%5.001.50
Total100%4.1

Strong tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.

No plan fee, a flat 0.4% on the amount converted, and a delivery fee per payment: £5.50 by SWIFT, or from 30p through a local network where the currency allows. The SWIFT fee is the one priced here, as the option available for every currency. Starling also offers euro and US dollar business accounts.

Who this suits

Nothing in this product's verified data distinguishes it from the rest of this table.

Who it doesn’t

No verified figure in this table counts against this product. We don't manufacture a drawback to balance the page.

Cite this pageplain text or BibTeX

Plain text

Points Architect. "Wise Business vs Starling Business: verified comparison." Rubric 2026.1. Verified Sep 2026. https://pointsarchitect.com/compare/wise-business-vs-starling-business

BibTeX

@misc{pointsarchitect-compare-wise-business-vs-starling-business,
  title        = {Wise Business vs Starling Business: verified comparison},
  author       = {{Points Architect}},
  year         = {2026},
  howpublished = {\url{https://pointsarchitect.com/compare/wise-business-vs-starling-business}},
  note         = {Verified Sep 2026; rubric 2026.1}
}

Canonical URL https://pointsarchitect.com/compare/wise-business-vs-starling-business. Every row in the attribute table has its own anchor, so a single fee can be cited without citing the whole record.