Head to head in Transfers
Wise vs Starling
At £100,000 sent to euros in one transfer, Wise costs £249.52 against £400.30 at Starling: £150.78 less. Wise stays cheaper at every amount from £5,000 to £300,000.
Published charges only. Starling converts at its own rate, which no published figure measures, so the real cost there can be higher. Every figure this site holds on both products is below, side by side. Of 9, 7 differ; those rows carry a rule and the rest are left quiet.
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£100,000 to euros
- Wise
- £249.52Calculated from attributes verified Oct 2026
- Starling
- £400.30Calculated from attributes verified Oct 2026
With a month of plan fee
- Wise
- £249.52Calculated from attributes verified Oct 2026
- Starling
- £400.30Calculated from attributes verified Oct 2026
What it charges
- Wise
- 0.33% + 52p, less 0.10% above £20,000 a monthCalculated from attributes verified Oct 2026
- Starling
- 0.40% + 30pCalculated from attributes verified Oct 2026
Exchange rate
- Wise
- Mid-market rate, no marginVerified against the source Oct 2026
- Starling
- The market rate it is chargedVerified against the source Oct 2026
Largest transfer
- Wise
- 20 million per transfer in GBP, EUR or USDVerified against the source Oct 2026
- Starling
- Not published; shown in the appVerified against the source Oct 2026
Plan feeidentical
- Starling
- NoneVerified against the source Oct 2026
Percentage fee on the amount sent
- Wise
- 0.33%Verified against the source Oct 2026
- Starling
- 0.40%Verified against the source Oct 2026
Fixed fee per transfer
- Wise
- £0.52Verified against the source Oct 2026
- Starling
- £0.3Verified against the source Oct 2026
Amount exchanged each month before the percentage fee appliesidentical
- Starling
- £0Verified against the source Oct 2026
Wise
Wise
| Criterion | Weight | Score | PointsContribution |
|---|---|---|---|
| £100,000 to euros, with a month of any plan fee | 75% | 4.50 | 3.38 |
| Exchange rate stated against a benchmark | 25% | 5.00 | 1.25 |
| Total | 100% | 4.6 |
Excellent tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.
The mid-market rate and a fee shown in full before you pay: about 0.33% on GBP to EUR, falling by 0.10 percentage points on whatever you send between £20,000 and £300,000 in a calendar month. On £100,000 that comes to about £250. The rate is guaranteed for a set period once you book, but there are no forward contracts.
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
| Criterion | Weight | Score | PointsContribution |
|---|---|---|---|
| £100,000 to euros, with a month of any plan fee | 75% | 4.20 | 3.15 |
| Exchange rate stated against a benchmark | 25% | 4.50 | 1.13 |
| Total | 100% | 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 0.4% conversion fee plus 30p by the local euro network (£5.50 by SWIFT), at what Starling describes as the market rate it is charged. £400.30 on £100,000. Payments go out only between 2am Monday and 10pm Friday, and Starling does not publish the largest amount it will send.
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 vs Starling: verified comparison." Rubric 2026.1. Verified Oct 2026. https://pointsarchitect.com/compare/wise-vs-starling
BibTeX
@misc{pointsarchitect-compare-wise-vs-starling,
title = {Wise vs Starling: verified comparison},
author = {{Points Architect}},
year = {2026},
howpublished = {\url{https://pointsarchitect.com/compare/wise-vs-starling}},
note = {Verified Oct 2026; rubric 2026.1}
}Canonical URL https://pointsarchitect.com/compare/wise-vs-starling. Every row in the attribute table has its own anchor, so a single fee can be cited without citing the whole record.