>I ditched Revolut last year and moved to Starling, pretty much entirely because I was sick of them trying to fucking sell me stuff in a "banking app" (they wer

>I ditched Revolut last year and moved to Starling, pretty much entirely because I was sick of them trying to fucking sell me stuff in a "banking app" (they weren't a registered bank at the time, AFAIK) It is a common mis-conception to assume Revolut and Starling are the same. Revolut and Monzo probably have more in common i.e. they both started out getting crowdfunded as pre-paid cards. Monzo acquired a banking licence and migrated their customers over to their banking product. Revolut only acquired the licence, at the end of last year [1]. It has yet to offer a banking product. Starling was built from the ground up as a challenger bank. [1] https://blog.revolut.com/we-got-a-banking-licence/ https://blog.revolut.com/we-got-a-banking-licence/