Amaiz vs Starling Business
For spending abroad FX markup matters, and Starling Business does better (0.4% vs 2%). In our editorial rating Starling Business leads (4.5 vs 3.8). The choice depends on your real spending profile: redo the math with your volumes before picking between Amaiz and Starling Business.
| Amaiz | Starling Business | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.8 | ★ 4.5 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | dedicato · GB | dedicato · GB |
| Multi-currency | No (single currency) | Yes · 3 currencies |
| Outbound transfers to third-party IBANs | No | Yes |
| Utility direct billing | No | Yes |
| SEPA direct debit (SDD) | No | Yes |
| On-chain crypto withdrawal | No | No |
| Interest on balance | 0% | 0% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | UK, EEA · 2+ countries | UK · 1+ countries |
| Regulator | FCA | PRA, FCA |
| OAM Italy registration | No | No |
| Deposit guarantee | — | FSCS £85,000 (UK) |
| SEPA transfer | — | Free |
| Segment | — | B2B |
| Regions | UK, EU/EEA | UK |
| Licences & safety | EMI | Full Banking License |
Frequently asked questions
Amaiz vs Starling Business: which is better?
For spending abroad FX markup matters, and Starling Business does better (0.4% vs 2%). In our editorial rating Starling Business leads (4.5 vs 3.8). The choice depends on your real spending profile: redo the math with your volumes before picking between Amaiz and Starling Business.
Which is cheaper, Amaiz or Starling Business?
On the standard spending profile Amaiz has the lowest net annual cost: €0 versus €0 for Starling Business.
Is Amaiz custodial or self-custody?
Amaiz is custodial: funds are held by the platform, while Starling Business is custodial.
Which is better for spending abroad?
For foreign-currency spending Starling Business wins, with the lowest FX markup: 0.4%.