# Starling vs Yotta Pay

The clearest difference is rating: Starling at 4.9 against Yotta Pay's 3.7. Starling also leads on ratings volume (2.8K vs 3) and update cadence (weekly vs every 3 weeks). On price, review sentiment, 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 3.7. That said, the two scores are not equally well evidenced: Starling has 2.8K ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 74% of Starling's written reviews are positive against 77% of Yotta Pay's, so the app with the better star average is not the one people write more warmly about.

Starling ships an update weekly, Yotta Pay every 3 weeks. The most recent releases landed on November 4, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Starling | Yotta Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2.8K ratings)](https://appshunter.io/ios/app/starling-mobile-banking/id956806430/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/yotta-pay/id1531344362/reviews) |
| Number of ratings | **2.8K** | 3 |
| Positive reviews | 74.1% of reviews | **77.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 558 MB | 57 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [STARLING BANK LIMITED](https://appshunter.io/developer/956806429) | [YOTTA DIGITAL LTD](https://appshunter.io/developer/1531344364) |

## 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


### Yotta Pay

[App page](https://appshunter.io/ios/app/yotta-pay/id1531344362)

This free contactless payment app offers bank-grade security through Open Banking, eliminating the need to share card details. It enables instant payments to businesses and individuals, and allows users to receive funds quickly from clients, family, or friends.

**Highlights:** Contactless payments, Bank-grade security, Instant payments to businesses, Instant money transfers, QR code payment requests, Payment confirmation

**In-app purchases:** none


## Frequently asked questions

### Is Starling free?

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

### Is Yotta Pay free?

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

### Which has better reviews, Starling or Yotta Pay?

Starling is rated higher. Starling averages 4.9 out of 5 from 2.8K ratings, while Yotta Pay averages 3.7 from 3 ratings.

### Do Starling or Yotta Pay have ads?

Neither Starling nor Yotta Pay shows ads.

### Which is updated more often, Starling or Yotta Pay?

Starling ships an update weekly, and Yotta Pay every 3 weeks. Most recently, Starling was updated on November 4, 2026 and Yotta Pay on November 3, 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.*