Comparison

Starling vs Moorepay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Starling

A digital banking app offering free personal and business accounts with robust security features and 24/7 UK-based customer support. Manage all your finances, from everyday spending to savings and bills, all from your phone.

Highlights
  • Free personal and business accounts
  • Joint and under-16 accounts
  • Habit-building savings tools (Spaces)
  • 24/7 UK customer support
  • Advanced security controls
  • Fee-free spending abroad
  • Instant transaction notifications
Features
Read full description

Best-in-class banking, designed for your phone and life in the 2020s. Our free, habit-building bank accounts help millions of people be good with money. Apply for a free bank account directly from your phone – in minutes. Industry-leading digital banking security. • 24/7 UK-based customer support from real people. • Manage your account security with simple controls in the app. • FSCS protection up to £120,000. • Verify if it’s us calling you, with call status indicators in the app. One app. Everyday banking. From personal to joint to business banking, bring your finances under one roof: • Personal account: Spend, organise, save with the habit-building bank account. • Joint account: Bills, budgets or just getting brunch: it’s better together. • Business account: Pay no monthly fees, 24/7 UK customer support and free invoicing and accounting tools. • Under 16s: The free debit card for kids, managed from your account. • Student account: Budget with Spaces, spend abroad with no fees and apply for an interest-free overdraft. Easy mobile banking that just works. • Branchless and fully online. • Open and manage your account entirely from your phone. • Spend abroad like a local with no fees from us. • Get an instant notification every time you spend or receive money. Build life-changing habits with game-changing features. • Organise your finances by setting money aside into virtual ‘change jars’, aka Spaces. • Get instant notifications every time you spend. On holiday? Get notifications in both currencies. • Put your bills on autopilot so you only spend what’s actually available. • Make every penny count by rounding up payments to the nearest pound. • Get a clearer picture of your spending with our AI-powered features. Starling Bank Limited (trading as Starling) is registered in England and Wales (No. 09092149), 5th Floor London Fruit And Wool Exchange, 1 Duval Square, London, United Kingdom, E1 6PW. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

About

Moorepay

This app streamlines HR and payroll for employees, offering easy access to payslips, P60s, and HR documents. Manage leave requests, update personal details, and explore exclusive discounts. It also simplifies timesheet and expense submissions for employees and approvals for managers.

Highlights
  • View and download payslips and P60s
  • Access HR and auto-enrolment pension documents
  • Request, view, and cancel leave
  • Manage personal contact, bank, and dependant details
  • Explore partner discounts
  • Submit timesheets and expense claims
  • Approve team leave and expense requests
Features
Read full description

Step into the upgraded employee experience with the Moorepay mobile app, designed to support you at every stage of your professional journey. Navigate through intuitive tiles and sub-tiles to explore a rich array of features crafted to streamline access to essential tools and information, simplifying HR and Payroll experience for everyone. Let’s delve into what’s on offer: My Documents This is your gateway to a streamlined document area where every vital detail is within reach: Payslips: View and Download your payslips with ease, at any time. P60s: Access your annual P60s directly through the app to review the tax you've paid on your salary during the last tax year. AE Letters: Keep abreast with your auto-enrolment pension effortlessly through easy access to your AE letters. HR Documents: Employees can now view and respond to documents published from our HR documents centre. Leave A dedicated space to oversee your leave plans and balances, offering: View Entitlements and Balances: A clear overview of your leave entitlements and balances. Request Leave: Request leave and submit doctor’s notes seamlessly, making sickness reporting less cumbersome. View Calendars: Review your leave requests and history and also access a team leave calendar to plan and manage time off. Delete Leave Requests: Rectify or cancel leave requests effortlessly, providing flexibility in leave management. Admin and Manager Privileges: Facilitate prompt responses to team requests and maintain a detailed view of team members’ leave history, enhancing managerial efficiency. My Details An exclusive space to manage your personal details effectively: Contact Details: Swiftly update your contact details, keeping your profile current. Attachments: Securely view attachments related to your personal record. Dependants and Emergency Contacts: Seamlessly manage details of your dependants and emergency contacts, ensuring timely updates. Bank Details: Handle your bank details with utmost security and convenience. Profile Picture: Personalise your profile with the option to upload and change your profile picture, adding a personal touch to your account. Discounts Explore a plethora of discounts curated especially for you through our partner, WrKit: Exclusive Offers: Enjoy a range of exciting discounts and offers designed to enhance your lifestyle. Timesheets and Expenses Simplify the tedious task of managing submissions and approvals: Employee Submissions: Experience an uncomplicated submission process for timesheets and expense claims, bringing ease to your employee experience. Manager and Admin Approvals: Quick and seamless approval processes for managers and admins, fostering operational efficiency. Expense Receipts: Easily manage and attach receipts for expense claims, facilitating streamlined record-keeping.

Screenshots

Starling4 screens
Moorepay4 screens

Verdict

The call

The clearest difference is review sentiment: Starling at 74% against Moorepay's 6%. Starling also leads on update cadence (weekly vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Starling ships an update weekly, Moorepay every 2 months. The most recent releases landed on November 10, 2026 and November 7, 2026 respectively.

Scorecard2 real differences · 8 level
Starling versus Moorepay: the parameters behind the verdict, then further details
ParameterStarlingMoorepay
PriceFreeFree
Rating4.9 (2.8K ratings) — better—
Positive reviews74.5% of reviews — better5.7% of reviews
Number of ratings2.8K — better—
Update frequencyWeekly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size561 MB44 MB
Age rating4+4+
DeveloperSTARLING BANK LIMITEDMoorepay

Customer experience

Starling

All ratings2,808 ratings
Positive97.4%
Neutral0.9%
Negative1.8%
Written reviews1,638 reviews
Positive74.5%
Neutral4.1%
Negative21.4%

Moorepay

Written reviews70 reviews
Positive5.7%
Neutral4.3%
Negative90.0%

Bugs and requests

Starling

Reported bugs

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

Requested features

7 requests
  • 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
Show 2 more
  • Daily balance history view
  • Ability to split transactions into categories

Moorepay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Starling

No in-app purchases

None

Moorepay

No in-app purchases

Questions

Is Starling free?
Starling is free to download, with no in-app purchases.
Is Moorepay free?
Moorepay is free to download, with no in-app purchases.
Do Starling or Moorepay have ads?
Neither Starling nor Moorepay shows ads.
Which is updated more often, Starling or Moorepay?
Starling ships an update weekly, and Moorepay every 2 months. Most recently, Starling was updated on November 10, 2026 and Moorepay on November 7, 2026.

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