Here's a new video comparing Monzo, Starling and Chase Bank kzbin.info/www/bejne/eKiqnnuobNZ1bJY
@whiskey23alpha643 жыл бұрын
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
@phil2702862 жыл бұрын
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 .
@BeCleverWithYourCash2 жыл бұрын
Virtual cards are great! It's a shame Monzo charges for them. I expect we'll see more of these in the future
@grassytramtracks Жыл бұрын
@@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
@JoseWhon4 жыл бұрын
Starling is the best for overseas travel - no fees. Also Curve Card is great.
@BeCleverWithYourCash4 жыл бұрын
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!)
@112rorz4 жыл бұрын
@@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.
@oliviadaly47953 жыл бұрын
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
@s.n22913 жыл бұрын
Loved the way you really went into detail about the cards!! Really helped 🙏🏻🙏🏻
@BeCleverWithYourCash3 жыл бұрын
Glad it was helpful!
@andrewlee52374 жыл бұрын
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 😃
@BeCleverWithYourCash4 жыл бұрын
Yes I've occasionally used for my business account. It'll be great to see if for personal accounts too.
@stephen62624 жыл бұрын
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
@oliviadaly47953 жыл бұрын
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
@grassytramtracks2 жыл бұрын
@@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
@taylormoss26794 жыл бұрын
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!
@BeCleverWithYourCash4 жыл бұрын
Yes, it looks like a decent option. Will put it on the to do list
@techspartslifestyle2228 Жыл бұрын
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 ?
@grassytramtracks Жыл бұрын
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)
@techspartslifestyle2228 Жыл бұрын
@@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.
@WilliamR972 жыл бұрын
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
@mountdoomfilms30164 жыл бұрын
Thank you for this information. Great video.
@BeCleverWithYourCash4 жыл бұрын
No problem!
@mountdoomfilms30164 жыл бұрын
@@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.
@diegeferenbach80653 жыл бұрын
I've had a revolut card for years. I've got family in China and Europe and its great!
@user-vo7sv5np5f2 жыл бұрын
Good content. but bit confused. a visual representation would be better, even if a simple table.
@DarylSkinner Жыл бұрын
Starling is best bank 🏧
@jobsvideo72623 жыл бұрын
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
@Nedwin3 жыл бұрын
Still love the traditional way.
@BrianCripps Жыл бұрын
Great review, thanks.
@michaeltweddell50924 жыл бұрын
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?
@BeCleverWithYourCash4 жыл бұрын
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.
@michaeltweddell50924 жыл бұрын
@@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.
@BeCleverWithYourCash4 жыл бұрын
@@michaeltweddell5092 Lovely, thanks for the support!
@bananarepublic89513 жыл бұрын
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.
@ziyanbaloch82253 жыл бұрын
Really? I thought Revolut had one of the best customer support from my experience
@edwardellis39272 жыл бұрын
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.
@BeCleverWithYourCash2 жыл бұрын
Starling is my top pick, though there’s also now the Chase Bank account kzbin.info/www/bejne/gIrQnGSPl6-leM0
@marekborcz37932 жыл бұрын
I belive on account can be card owner simply foto .Can be last login and used PC tablet ,mobile.
@b4london4772 жыл бұрын
Great video Andy thank you
@PadmaDorjee2 жыл бұрын
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?
@grassytramtracks2 жыл бұрын
Only Revolut is available in Australia
@wanistani3 жыл бұрын
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!
@mary-22403 жыл бұрын
Do you have videos for money transfers from a different currency/country?
@petasupervielle55042 жыл бұрын
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?
@SalehRealist6 ай бұрын
monzo
@Supercilliouzman4 жыл бұрын
Can you set up a subscriptions pot that will take money just from that pot without taking from your main card?
@thaibillyboy4 жыл бұрын
Hi interesting vlog thanks, but Starling do have a telephone contact number in London, local rate and they pickup the phone very quickly, thanks.
@BeCleverWithYourCash4 жыл бұрын
Thanks, that’s good to know!
@Geostationary0rbit3 жыл бұрын
very useful stuff!
@BeCleverWithYourCash3 жыл бұрын
Glad it was helpful!
@Javier-fi6ee3 жыл бұрын
Can I open a starling account as resident in Denmark??
@anarivera96973 жыл бұрын
Thanks
@katiesaeyo4 жыл бұрын
Great video! I have a question regarding virtual card payments (i.e. disposable details). I see monese have this option, do the others though?
@BeCleverWithYourCash4 жыл бұрын
Both Monzo and Revolut have this, but it's a paid feature with both.
@szmr3 жыл бұрын
@@BeCleverWithYourCash I believe virtual cards and disposable cards are free on Revolut
@SheBYaya2 жыл бұрын
@@szmr You’re right, I’m with Revolut and yes, both virtual and disposable cards are for free*
@seankelly94472 жыл бұрын
Hi. Just got a Revoult card for travel to USA....is it save to save on it? Or will my money disapear?
@amarasesay75224 жыл бұрын
Great video.
@BeCleverWithYourCash4 жыл бұрын
Thanks!
@stephen62623 жыл бұрын
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
@yawoseitutu94872 жыл бұрын
I tried opening starling account yesterday but I was denied without any reason. I need to open this account. Can anyone help please?
@jomojoe64142 жыл бұрын
WISE IS THE BEST
@nzvplc3 жыл бұрын
Unrelated question but where is that bookshelf behind you from?
@BeCleverWithYourCash3 жыл бұрын
It's from made.com!
@nzvplc3 жыл бұрын
@@BeCleverWithYourCash Thanks!
@DiscoveryWonders4 жыл бұрын
Thank You.
@BeCleverWithYourCash4 жыл бұрын
You're welcome
@Kpcurrency3 жыл бұрын
Why is Monese blocking and closing people's account with no reason
@a.e.94522 жыл бұрын
I have a question: I'm an italian citizen but i'm not a UK resident. Can I open an account on these banks?
@yordanlionov30972 жыл бұрын
yes
@jorgeclosabenitez76814 жыл бұрын
Which one is best for overseas transfers and payments abroad? I'm an international student coming to study in the UK. Cheers :))
@Mkhl4Sure3 жыл бұрын
what country is the money getting sent from or sent to
@Kaiyats3 жыл бұрын
Revelout with out a doubt
@qmarq3 жыл бұрын
Revolut will say to authoritizes that u need to pay tax :(
@PrettyGreenMonk3 жыл бұрын
@@qmarqwho do you bank with mate
@Epsilite4 жыл бұрын
Can you setup direct debits from starlings 'pots'? Or is monzo the only one that offers that?
@BeCleverWithYourCash4 жыл бұрын
Only Monzo at the moment.
@Epsilite4 жыл бұрын
@@BeCleverWithYourCash Thank you 👌
@marekborcz37932 жыл бұрын
Spending maney is good for bisneses.
@stevenmccormick62474 жыл бұрын
Would you reccomend using a street bank account as your main one then sending money to both starling and monzo as bills and expenditure.?
@BeCleverWithYourCash4 жыл бұрын
You could definitely do that , or have a high street bank with better interest as your back up / non-spending money
@grassytramtracks2 жыл бұрын
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
@michelle_sea_view2 жыл бұрын
iPhones have fingerprint payment is banking done this way?
@grassytramtracks Жыл бұрын
yes, you can put your card on apple pay with any of these
@Kirstiekins3 жыл бұрын
Can you do a video just on Monese?
@BeCleverWithYourCash3 жыл бұрын
It's on the list. Hopefully soon!
@fischka1003 жыл бұрын
Which one is the best for a business account? Thanks
@BeCleverWithYourCash3 жыл бұрын
Personally I think Starling has the edge. More here kzbin.info/www/bejne/j5_Uc3mcfrefbs0
@fischka1003 жыл бұрын
@@BeCleverWithYourCash I’ve got one now 👍🏻 😁
@abeleyob55142 жыл бұрын
How about withdrawing cash within the UK? Do they charge?
@grassytramtracks Жыл бұрын
Monese does with their free account over £100, but otherwise none do
@GodSon102 жыл бұрын
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?
@BeCleverWithYourCash2 жыл бұрын
It’s always best to spend on the local Currency rather than let them convert it to pounds
@GodSon102 жыл бұрын
@@BeCleverWithYourCash how do i convert to the local currency on the app?
@grassytramtracks2 жыл бұрын
@@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
@GodSon102 жыл бұрын
@@grassytramtracksAppreciate you
@anishmathewthomas90513 жыл бұрын
Great video and very informative to make a decision. Many Thanks.
@BeCleverWithYourCash3 жыл бұрын
Thanks! Which do you think you’ll go for?
@anishmathewthomas90513 жыл бұрын
@@BeCleverWithYourCash Starling as you rightly suggested.
@zaypeaceIslamstories3 жыл бұрын
What about mettle ?
@LS-mt2nm3 жыл бұрын
Is starling safe to use as a main current account ?
@BeCleverWithYourCash3 жыл бұрын
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
@stevo7288223 жыл бұрын
Great until you lose your phone or have it pickpocketed on the streets of Barcelona.
@BeCleverWithYourCash3 жыл бұрын
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)
@mariam_4me3 жыл бұрын
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!
@anitaferreira2813 жыл бұрын
bad experience with this Monese bank. Service only by e-mail and that never responds. lousy bench.
@CupraBBD3 жыл бұрын
Do these accounts offer ISA accounts
@BeCleverWithYourCash3 жыл бұрын
No, these aren't great accounts for your savings. Check out my other videos with the latest details on the best savings accounts
@zaypeaceIslamstories3 жыл бұрын
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 ?
@BeCleverWithYourCash3 жыл бұрын
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!
@Dazytojas3513 жыл бұрын
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....
@saavisufian21342 жыл бұрын
Oks
@AmirSohailGhuman Жыл бұрын
P
@shivaramadhin4073 жыл бұрын
Hey Andy can I have an email for you please?
@BeCleverWithYourCash3 жыл бұрын
Hi Shiva, you can contact me via my blog here becleverwithyourcash.com/contact/
@Dazytojas3513 жыл бұрын
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....