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Personal Finance · head to head

EveryDollar vs Starling Bank

EveryDollar logo

EveryDollar

Personal Finance

Budget every dollar, build wealth faster

From
Free
Rated
-
Full reviewWebsite
Starling Bank logo

Starling Bank

Personal Finance

UK-licensed digital bank with FSCS-protected deposits, built and majority-owned without a US parent

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: EveryDollar the free version has no bank connection, so every transaction is entered by hand; Starling Bank as a UK-only bank, customers wanting broad multi-currency holding, international transfers or in-app investing will need a separate product, since Starling's feature set stays deliberately focused on core banking.
  • They diverge on capability: EveryDollar covers Zero-based budgeting, Starling Bank covers FSCS-protected deposits.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which EveryDollar and Starling Bank actually diverge.

Attributes where EveryDollar and Starling Bank differ
AttributeEveryDollarStarling Bank
Pricing modelfreemiumFree personal current account; business accounts have free and paid tiers
PlatformsWeb, IOS, AndroidiOS, Android, Web
Founded2014Unknown

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in EveryDollar

  • Zero-based budgeting
  • Transaction tracking
  • Budget planning
  • Financial insights
  • Bank accounts
  • Web support
  • IOS support
  • Android support

Only in Starling Bank

  • FSCS-protected deposits
  • Business banking suite
  • Fee-free foreign card spending
  • Savings Spaces
  • Joint accounts
  • Starling mortgages

What people use each for

The jobs each tool is most often brought in to do.

EveryDollar

  • Zero based monthly budgeting using the Ramsey methodnot Starling Bank
  • Tracking bills and sinking funds by categorynot Starling Bank
  • Automatically importing bank transactions into a budget on Premiumnot Starling Bank

Starling Bank

  • A UK resident wanting a free, fully licensed current account with FSCS deposit protectionnot EveryDollar
  • A sole trader or small business wanting a business account with built-in invoicing rather than a separate accounting subscriptionnot EveryDollar
  • A frequent traveller wanting fee-free card spending abroad on a UK-regulated accountnot EveryDollar
  • A saver wanting goal-based Spaces sub-accounts without opening a separate savings productnot EveryDollar

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

EveryDollar

  • The free version has no bank connection, so every transaction is entered by hand
  • CSV export of budget data is Premium only
  • Spending reports and historical comparisons are Premium only
  • Premium costs $17.99 per month billed monthly, and the $6.67 headline rate requires paying $79.99 for a year up front
  • The free trial lasts 14 days and is limited to new users

Starling Bank

  • As a UK-only bank, customers wanting broad multi-currency holding, international transfers or in-app investing will need a separate product, since Starling's feature set stays deliberately focused on core banking.
  • Business account paid tiers add a monthly fee for features that some competitors bundle for free, so cost comparison against other business banking options should account for the tier actually needed, not the free entry point.
  • Like other app-first banks, Starling has very limited physical presence, which is a real limitation for customers needing to deposit cash or prefer in-person service.
  • Mortgage lending is limited to buy-to-let through a subsidiary rather than a full residential mortgage range, so it is not a one-stop option for a typical homebuyer.
  • Interest rates on savings Spaces and any lending products are set individually and can change, so the specific rate should be checked at the time of opening rather than assumed from marketing.

Pricing, plan by plan

EveryDollar

Free
  • EveryDollar FreeFree
    • monthly budget creation
    • unlimited custom categories
    • manual transaction tracking
  • EveryDollar Premium Annual$79.99/year
    • automatic bank connectivity
    • transaction imports
    • custom reports
  • EveryDollar Premium Monthly$17.99/month
    • automatic bank connectivity
    • transaction imports
    • custom reports

Starling Bank

Free
  • Personal current accountFree
    • Free current account with FSCS-protected deposits
    • Fee-free foreign currency card spending
    • No monthly account fee
  • Business Toolkit$7/month
    • Integrated invoicing and expense categorisation
    • Multiple sub-accounts (Spaces) for tax and VAT setting-aside
    • Accounting software integrations

Which should you pick?

Choose EveryDollar if

  • You need zero-based budgeting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want transaction tracking.
EveryDollar review

Choose Starling Bank if

  • You need fscs-protected deposits.
  • You want to start without paying.
  • You work on iOS, Android, Web.
  • You also want business banking suite.
Starling Bank review

Questions people ask

Is EveryDollar or Starling Bank better?
Neither clearly leads. EveryDollar starts at Free and Starling Bank at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, EveryDollar or Starling Bank?
EveryDollar starts at Free and Starling Bank at Free.
Does EveryDollar or Starling Bank run on more platforms?
EveryDollar runs on Web, IOS, Android. Starling Bank runs on iOS, Android, Web.
Can I use EveryDollar for free?
Both have a free tier, so you can try either at no cost before committing.
What is EveryDollar best used for?
EveryDollar is most often used for zero based monthly budgeting using the ramsey method, tracking bills and sinking funds by category, automatically importing bank transactions into a budget on premium. Of those, zero based monthly budgeting using the ramsey method and tracking bills and sinking funds by category are not what Starling Bank is typically brought in for.
What can EveryDollar do that Starling Bank cannot?
EveryDollar covers Zero-based budgeting, Transaction tracking, Budget planning, Financial insights. Starling Bank covers FSCS-protected deposits, Business banking suite, Fee-free foreign card spending, Savings Spaces.

Answered from the vendors’ own pages

EveryDollar: What is the cost of EveryDollar Premium?

EveryDollar Premium costs $79.99 per year when billed annually ($6.67/month) or $17.99 per month when billed monthly.

Source
Starling Bank: Is Starling Bank a real bank?

Yes, Starling Bank Limited holds a full UK banking licence and is regulated by the FCA and PRA, the same framework as traditional UK banks.

EveryDollar: Is there a free version of EveryDollar?

Yes. EveryDollar offers a free version with no time limit that includes monthly budget creation, unlimited custom categories, manual transaction tracking, and device access.

Source
Starling Bank: Are deposits protected if Starling fails?

Eligible deposits are covered by the Financial Services Compensation Scheme up to 85,000 pounds per eligible person, the same statutory protection as other UK banks.

EveryDollar: Can you cancel EveryDollar Premium anytime?

Yes. Premium subscribers can cancel anytime through account settings and downgrade to the free version instead of deleting the account.

Source
Starling Bank: Is Starling good for a small business?

It has a well regarded business banking product with integrated invoicing and accounting software links, commonly used by UK sole traders and small companies.

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