I started with Starling after a while ..account block for money being transferred in lots of questions from them took a week to get my money back so i moved to Revolut ....1 year no problems from them so far works great wen you go abroad
I opened a revolut account over a year ago didn't opt for the physical card. Opted for a virtual card so never got a card in the post and still opened the account. What i think is great about the virtual cards is there is a option with them where each time you use them the card details change and can only be seen on the app. So no chance of fraud .
@@BeCleverWithYourCash Starling has just brought them in recently. They've let me start using my account for certain card payments, given I opened my account on the 2nd of Feb and I still don't have my card (as of 12 Feb), and I'm not a very patient person. They're great for both privacy and security and virtual cards are linked to certain spaces, helping you sort your spending into categories, for example having a virtual card for monthly card payments, such as your mobile provider, netflix, or other things like that
Absolutely. I did use my Tandem credit card abroad most but sadly that stopped being a decent option earlier this year. So Starling, Curve and my trusty Halifax Clarity go with me (well, when we're allowed to go abroad again!)
@@BeCleverWithYourCash I'm sure Starling will introduce an abroad limit once they grow enough. I can't remember if it was Monzo or Revolut that had unlimited ATM withdrawals abroad, but they eventually capped it as it's a loss to them.
Curve's customer service is shite tho. Trying to sort out an issue with my Curve Card being rejected from Samsung Pay (Monzo do not and will not support it, Galaxy Watches will not support Google Pay only Samsung Pay) despite previously having been used on there (and wiped due to a watch update) I get in contact/reply to them and am ignored for hours or days until I tweet them and then they say they're looking into it then I reply and am ghosted again I've been having this Samsung Pay issue for almost a week and only now do they tell me they don't have a set timeframe to solve my issue. Why the hell did they take a week to do that?! Ordered a Stirling card can't wait til it comes. Bye bye Curve, bye Monzo (unless for backup) and hellooooo Stirling
Starling have a desktop option for their business customers and personal customers will shortly also have this option but Starling’s mobile banking will always be their priority. I have banked with them for nearly 2 years now and I am really happy with a bank for the first time in my life, and I’m no spring chicken 😃
revolut only has the upper hand because of their 'shred able cards' whilst I'm using nationwide for pretty much everything these days, I have a monese account that is gathering dust though
They do! Only 0.05% I think but it's on all money inc what's in your current account compared to Monzo where you have to lock it in a savings pot. Starling is automatic
Great video! Would be good if you could also do a review of the new Virgin Money Current Account (if you haven’t already) since it looks like their current account is a hybrid of a digital only bank and a high street bank!
You can move your account over to a new phone when you get a new one, and if you lose your phone, you can lock a potential thief out of your account by erasing data by calling them up, and you can deposit cheques either via the post or in app (depends) and cash at a post office or paypoint (also depends on each individual bank)
@@grassytramtracks Thanks for your reply.. unfortunately my question was incomplete. I wanted to ask whether I can change my phone number or not. 😂 Please guide.
Nice video sterling are not recognized in United States just is not accepted lots of banks or virtual banks they don’t like it the new system because they can’t control it so well
@@BeCleverWithYourCash I opened a Starling account yesterday and it really was no problem. Even with my 'less than' favourable credit rating it all got completed in about an hour. Cheers.
Great video thanks. My partner is from france and needs to open a Uk account. Was thinking about HSBC but then saw this. do you recommend any particular account for transferring money from a french account to the app based banks. Also is there any major difference in exchange rates between the apps abroad? Thanks!
I got a Revolut account. Yes they have lot of good things but Revolut customer care is awful. If you want to wait more than an hour to get an answer then Revolut is for you. Always keep your high street bank account as your main account.
Andy great review. Used starling to pay a euro bill was a bit worried worked fine no extra charges. Also andy wise is looking pretty good also they could easily become another bank. Although you now have to pay for a debit card. But they do a virtual card as well which is free
Thanks Michael. Yes sadly the channel decided not to carry on with the show as they couldn't repeat it, so it worked out quite expensive for them to make. Hopefully we'll do more together though when things are back to normal.
@@BeCleverWithYourCash Shame about the show, but me and the other half appreciate your stuff online, signed up for newsletter and cashback sites. Holding off on Club Lloyds until the new normal sets in though. Thanks again.
Great video, thanks for the information as I'm new to digital banks. Excuse my ignorance but can I get a card delivered for free to Australia also or are they for UK customers only?
Oh no!! Yes that would be a nightmare. It's always worth having a back up account and card - especially on holiday (I was pick pocketed in Buenos Aires a few years back so I feel your pain)
Though if you do that, what would be the point having your salary go into your high street bank account? It seems to make the most sense to have your salary go into the account you use for the most day to day expenses and then transfer your money to an additional account you have with say a high street bank, perhaps for branch service, a back up or for a better interest rate but you can do whatever you want and I understand just doing that if that's what you're and you don't want to fuss with contacting your employer to change your details, though you could do a partial switch, which changes all of your payments going in and out but doesn't move your balance over and you keep your old account open
Do you have to convert your pounds into the countrys currency when you are abroad before spending? or do you just tap the card and go like you would in the Uk?
@@GodSon10 just tap or insert your card like you would in the UK. If you are asked to pay in home currency or local currency, always choose the local currency, and if it's phrased as with or without or accept or reject conversion, always select without/reject. I think that's what Andy is trying to say, even if it's not very clear
It’s about moving your savings to the place that’ll earn you the highest interest - which isn’t your pots. Yes , you don’t need more than one, but I’ve got both accounts because it’s my job to know how they all work!
BEWARE people! Dont ever think about using monese! it's a massive scam, they blocked account of my husband right after he got his salary paid, without any justification and possibility to object. They just steal all your money whenever they want!
Here's a new video comparing Monzo, Starling and Chase Bank ua-cam.com/video/BwGmHr7qB64/v-deo.html
I started with Starling after a while ..account block for money being transferred in lots of questions from them took a week to get my money back so i moved to Revolut ....1 year no problems from them so far works great wen you go abroad
I opened a revolut account over a year ago didn't opt for the physical card. Opted for a virtual card so never got a card in the post and still opened the account. What i think is great about the virtual cards is there is a option with them where each time you use them the card details change and can only be seen on the app. So no chance of fraud .
Virtual cards are great! It's a shame Monzo charges for them. I expect we'll see more of these in the future
@@BeCleverWithYourCash Starling has just brought them in recently. They've let me start using my account for certain card payments, given I opened my account on the 2nd of Feb and I still don't have my card (as of 12 Feb), and I'm not a very patient person. They're great for both privacy and security and virtual cards are linked to certain spaces, helping you sort your spending into categories, for example having a virtual card for monthly card payments, such as your mobile provider, netflix, or other things like that
Starling is the best for overseas travel - no fees. Also Curve Card is great.
Absolutely. I did use my Tandem credit card abroad most but sadly that stopped being a decent option earlier this year. So Starling, Curve and my trusty Halifax Clarity go with me (well, when we're allowed to go abroad again!)
@@BeCleverWithYourCash I'm sure Starling will introduce an abroad limit once they grow enough. I can't remember if it was Monzo or Revolut that had unlimited ATM withdrawals abroad, but they eventually capped it as it's a loss to them.
Curve's customer service is shite tho. Trying to sort out an issue with my Curve Card being rejected from Samsung Pay (Monzo do not and will not support it, Galaxy Watches will not support Google Pay only Samsung Pay) despite previously having been used on there (and wiped due to a watch update)
I get in contact/reply to them and am ignored for hours or days until I tweet them and then they say they're looking into it then I reply and am ghosted again
I've been having this Samsung Pay issue for almost a week and only now do they tell me they don't have a set timeframe to solve my issue. Why the hell did they take a week to do that?! Ordered a Stirling card can't wait til it comes. Bye bye Curve, bye Monzo (unless for backup) and hellooooo Stirling
Loved the way you really went into detail about the cards!! Really helped 🙏🏻🙏🏻
Glad it was helpful!
Starling have a desktop option for their business customers and personal customers will shortly also have this option but Starling’s mobile banking will always be their priority. I have banked with them for nearly 2 years now and I am really happy with a bank for the first time in my life, and I’m no spring chicken 😃
Yes I've occasionally used for my business account. It'll be great to see if for personal accounts too.
revolut only has the upper hand because of their 'shred able cards' whilst I'm using nationwide for pretty much everything these days, I have a monese account that is gathering dust though
Andy really like starling if they was to offer interest .I think they would do fantastic .Hoping to use the account as a euro bank account as well
They do! Only 0.05% I think but it's on all money inc what's in your current account compared to Monzo where you have to lock it in a savings pot. Starling is automatic
@@oliviadaly4795 well with interest rates having been as low as they are since 2008 and even more so during COVID, it's better than zero
Good content. but bit confused. a visual representation would be better, even if a simple table.
Great video! Would be good if you could also do a review of the new Virgin Money Current Account (if you haven’t already) since it looks like their current account is a hybrid of a digital only bank and a high street bank!
Yes, it looks like a decent option. Will put it on the to do list
I belive on account can be card owner simply foto .Can be last login and used PC tablet ,mobile.
I've had a revolut card for years. I've got family in China and Europe and its great!
Still love the traditional way.
1. Can I change my phone in these bank accounts ?
2. Can I close these accounts remotely as well ?
3. Where to go to deposit cheques or cash ?
You can move your account over to a new phone when you get a new one, and if you lose your phone, you can lock a potential thief out of your account by erasing data by calling them up, and you can deposit cheques either via the post or in app (depends) and cash at a post office or paypoint (also depends on each individual bank)
@@grassytramtracks Thanks for your reply.. unfortunately my question was incomplete. I wanted to ask whether I can change my phone number or not. 😂 Please guide.
Nice video sterling are not recognized in United States just is not accepted lots of banks or virtual banks they don’t like it the new system because they can’t control it so well
Thank you for this information. Great video.
No problem!
@@BeCleverWithYourCash I opened a Starling account yesterday and it really was no problem. Even with my 'less than' favourable credit rating it all got completed in about an hour. Cheers.
How do your options for a card being used overseas stack up when you want to take out cash in local currency, Euro, Dollar, etc.
Starling is my top pick, though there’s also now the Chase Bank account ua-cam.com/video/JYmk1YbJrBk/v-deo.html
Great video Andy thank you
Great review, thanks.
Starling is best bank 🏧
I tried opening starling account yesterday but I was denied without any reason. I need to open this account. Can anyone help please?
Can you set up a subscriptions pot that will take money just from that pot without taking from your main card?
Thanks
Can I open a starling account as resident in Denmark??
Hi interesting vlog thanks, but Starling do have a telephone contact number in London, local rate and they pickup the phone very quickly, thanks.
Thanks, that’s good to know!
Do you have videos for money transfers from a different currency/country?
Great video thanks. My partner is from france and needs to open a Uk account. Was thinking about HSBC but then saw this. do you recommend any particular account for transferring money from a french account to the app based banks. Also is there any major difference in exchange rates between the apps abroad? Thanks!
I got a Revolut account. Yes they have lot of good things but Revolut customer care is awful. If you want to wait more than an hour to get an answer then Revolut is for you. Always keep your high street bank account as your main account.
Really? I thought Revolut had one of the best customer support from my experience
very useful stuff!
Glad it was helpful!
Hi. Just got a Revoult card for travel to USA....is it save to save on it? Or will my money disapear?
Andy great review. Used starling to pay a euro bill was a bit worried worked fine no extra charges. Also andy wise is looking pretty good also they could easily become another bank. Although you now have to pay for a debit card. But they do a virtual card as well which is free
Just discovered your channel of the back of your Channel 5 show. Great work Andy, please keep going. P.S. What happened to that show?
Thanks Michael. Yes sadly the channel decided not to carry on with the show as they couldn't repeat it, so it worked out quite expensive for them to make. Hopefully we'll do more together though when things are back to normal.
@@BeCleverWithYourCash Shame about the show, but me and the other half appreciate your stuff online, signed up for newsletter and cashback sites. Holding off on Club Lloyds until the new normal sets in though. Thanks again.
@@michaeltweddell5092 Lovely, thanks for the support!
Great video, thanks for the information as I'm new to digital banks.
Excuse my ignorance but can I get a card delivered for free to Australia also or are they for UK customers only?
Only Revolut is available in Australia
I live in Spain, I need to be able to convert currency. Also looking for a little Interest on savings. Which would you recommend for me?
monzo
Spending maney is good for bisneses.
Thank You.
You're welcome
WISE IS THE BEST
Why is Monese blocking and closing people's account with no reason
Great video! I have a question regarding virtual card payments (i.e. disposable details). I see monese have this option, do the others though?
Both Monzo and Revolut have this, but it's a paid feature with both.
@@BeCleverWithYourCash I believe virtual cards and disposable cards are free on Revolut
@@szmr You’re right, I’m with Revolut and yes, both virtual and disposable cards are for free*
Great video.
Thanks!
Unrelated question but where is that bookshelf behind you from?
It's from made.com!
@@BeCleverWithYourCash Thanks!
I have a question: I'm an italian citizen but i'm not a UK resident. Can I open an account on these banks?
yes
iPhones have fingerprint payment is banking done this way?
yes, you can put your card on apple pay with any of these
What about mettle ?
Which one is best for overseas transfers and payments abroad? I'm an international student coming to study in the UK. Cheers :))
what country is the money getting sent from or sent to
Revelout with out a doubt
Revolut will say to authoritizes that u need to pay tax :(
@@qmarqwho do you bank with mate
Great video and very informative to make a decision. Many Thanks.
Thanks! Which do you think you’ll go for?
@@BeCleverWithYourCash Starling as you rightly suggested.
Great until you lose your phone or have it pickpocketed on the streets of Barcelona.
Oh no!! Yes that would be a nightmare. It's always worth having a back up account and card - especially on holiday (I was pick pocketed in Buenos Aires a few years back so I feel your pain)
How about withdrawing cash within the UK?
Do they charge?
Monese does with their free account over £100, but otherwise none do
Can you setup direct debits from starlings 'pots'? Or is monzo the only one that offers that?
Only Monzo at the moment.
@@BeCleverWithYourCash Thank you 👌
Which one is the best for a business account? Thanks
Personally I think Starling has the edge. More here ua-cam.com/video/YnqBFfIRl8k/v-deo.html
@@BeCleverWithYourCash I’ve got one now 👍🏻 😁
Would you reccomend using a street bank account as your main one then sending money to both starling and monzo as bills and expenditure.?
You could definitely do that , or have a high street bank with better interest as your back up / non-spending money
Though if you do that, what would be the point having your salary go into your high street bank account? It seems to make the most sense to have your salary go into the account you use for the most day to day expenses and then transfer your money to an additional account you have with say a high street bank, perhaps for branch service, a back up or for a better interest rate but you can do whatever you want and I understand just doing that if that's what you're and you don't want to fuss with contacting your employer to change your details, though you could do a partial switch, which changes all of your payments going in and out but doesn't move your balance over and you keep your old account open
Do you have to convert your pounds into the countrys currency when you are abroad before spending? or do you just tap the card and go like you would in the Uk?
It’s always best to spend on the local
Currency rather than let them convert it to pounds
@@BeCleverWithYourCash how do i convert to the local currency on the app?
@@GodSon10 just tap or insert your card like you would in the UK. If you are asked to pay in home currency or local currency, always choose the local currency, and if it's phrased as with or without or accept or reject conversion, always select without/reject. I think that's what Andy is trying to say, even if it's not very clear
@@grassytramtracksAppreciate you
Can you do a video just on Monese?
It's on the list. Hopefully soon!
Is starling safe to use as a main current account ?
Yes, definitely - though I'd always recommend you have a second account with some money regardless of which one you use as a main account
bad experience with this Monese bank. Service only by e-mail and that never responds. lousy bench.
Do these accounts offer ISA accounts
No, these aren't great accounts for your savings. Check out my other videos with the latest details on the best savings accounts
Why do t you transfer your saving to your normal current account saving rather then the pot etc ? And how comes you have 2 cards Monzo and starling ?
It’s about moving your savings to the place that’ll earn you the highest interest - which isn’t your pots.
Yes , you don’t need more than one, but I’ve got both accounts because it’s my job to know how they all work!
BEWARE people! Dont ever think about using monese! it's a massive scam, they blocked account of my husband right after he got his salary paid, without any justification and possibility to object. They just steal all your money whenever they want!
MOnese is a scamer bank, blockacaunts, suports not working i got to get 2k in my acaunt .... and they don't return them 2 months now....
Oks
P
Hey Andy can I have an email for you please?
Hi Shiva, you can contact me via my blog here becleverwithyourcash.com/contact/
MOnese is a scamer bank, blockacaunts, suports not working i got to get 2k in my acaunt .... and they don't return them 2 months now....