# Starling vs ZEN.COM

The clearest difference is review sentiment: Starling at 74% against ZEN.COM's 45%. Starling also leads on rating (4.9 vs 4.6) and ratings volume (2.8K vs 653). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Starling holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 2.8K and 653 respectively. Written reviews point the same way: 74% of Starling's written reviews are positive against 45% of ZEN.COM's.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 9, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | Starling | ZEN.COM |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2.8K ratings)](https://appshunter.io/ios/app/starling-mobile-banking/id956806430/reviews)** | [4.6 (653 ratings)](https://appshunter.io/ios/app/zencom-multicurrency-account/id1505547865/reviews) |
| Number of ratings | **2.8K** | 653 |
| Positive reviews | **74.1% of reviews** | 45.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Weekly | Weekly |
| Monetization | Free | Free |
| Size | 558 MB | 384 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [STARLING BANK LIMITED](https://appshunter.io/developer/956806429) | [UAB ZEN.COM](https://appshunter.io/developer/1505547864) |

## What reviewers say

### Starling

[App page](https://appshunter.io/ios/app/starling-mobile-banking/id956806430)

A digital banking app offering personal, joint, and business accounts with advanced security and 24/7 UK-based support. Manage your money, organize spending, and build financial habits with intuitive tools.

**Highlights:** Apply for accounts from your phone, 24/7 UK customer support, Manage account security, FSCS protection up to £120,000, Personal, joint, and business accounts, Organize finances with 'Spaces', Instant spending notifications

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app
- 🚀 Instant transactions
- 🔒 Secure banking
- 💡 Useful features like Spaces
- 👍 Excellent customer service

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🔒 Overly strict security measures
- 💰 Fees for cash deposits
- 🚫 Inability to open certain account types
- 🚫 Declined payments with no explanation

**Reported bugs**

- Login issues after phone updates
- Inability to record video for verification
- App crashes on certain devices
- Delayed or failed money transfers

**Requested features**

- Joint account cards with different designs
- Ability to set up automatic transfers to savings
- More customization options for Spaces
- Integration with password managers
- Showing pending payments in balance


### ZEN.COM

[App page](https://appshunter.io/ios/app/zencom-multicurrency-account/id1505547865)

Manage multiple currencies, make secure payments, and earn cashback on purchases with this digital wallet and card. Ideal for international shopping and travel, it offers fair exchange rates and purchase protection.

**Highlights:** Multicurrency account, Digital wallet, Contactless payments, Cashback rewards, Shopping protection, Money transfers

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Starling free?

Starling is free to download, with no in-app purchases.

### Is ZEN.COM free?

ZEN.COM is free to download, with no in-app purchases.

### Which has better reviews, Starling or ZEN.COM?

Starling is rated higher. Starling averages 4.9 out of 5 from 2.8K ratings, while ZEN.COM averages 4.6 from 653 ratings.

### Do Starling or ZEN.COM have ads?

Neither Starling nor ZEN.COM shows ads.

### Which is updated more often, Starling or ZEN.COM?

Starling ships an update weekly, and ZEN.COM weekly. Most recently, Starling was updated on November 9, 2026 and ZEN.COM on November 7, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*