Starling vs TorFX Comparison
Looking for Starling vs TorFX differences? Compare which one offers cheaper, faster, and more user-friendly services with this Money Transfer Service Comparison Tool!
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Last Updated: August 31, 2026
✓ Fact Checked
TorFX vs Starling Comparison At a Glance
We've divided the key information you need to know when comparing Starling vs TorFX into several aspects: pros & cons, coverage, pricing, limits, supported asset management, accounts and their onboarding, security, user experience and the company's info. However, if you want a quick side-by-side Starling vs TorFX comparison to see which one is rated better, check out the table below.
With an overall score of 8.7, Starling clearly comes out on top. TorFX, by comparison, holds a rating of 7.3. As for the service quality and advantages you get considering the platform’s costs, Starling outperforms TorFX as well, offering better value for money.
To give you a broader view of the money transfer service market, we've also put TorFX and Starling next to Ogvio, which has the highest overall score. You'll see how all three compare throughout this page.
Compare Other Money Transfer Services
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| Per-transaction | Plan + per-transaction | Per-transaction | |
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| A global money transfer service with an additional volatile currency rate pegging to USD or EUR. | An award-winning UK digital bank with transparent international fees. | A money transfer service intended for planned large transfers. | |
| Visit site Read review | Visit site | See TOP10 Brands Read review |
A Detailed Comparison of Starling vs TorFX
Find out which provider offers the fastest, cheapest, and simplest ways to send money with this elaborate TorFX vs Starling international transfer comparison table. From supported delivery methods and fees to any extra features, you'll see it all in one place.
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Coverage |
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UK
Germany
France+160 more |
UK |
USEurope 
South Africa+17 more |
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EN ID CN +6 more |
EN |
EN PT ES |
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USD
EUR
CAD+40 more |
GBP
EUR |
GBP
CAD
ZAR+37 more |
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USDC
BTC
ETH+ 7 more |
Fiat-only |
Fiat-only |
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Pricing |
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Bank - free Crypto - free Card - varies |
Cash - 0.7% over £1k/yr | N/A | |
| Varies | Free | N/A | |
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Limits |
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| No minimum | Not specified | N/A | |
| Varies | ATM - set by ATM operator | N/A | |
| No minimum | Not specified |
Online - £100 Overseas - £500 |
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| Varies | Faster Payments - £1,000,000 | Regular Overseas Payments - £10,000 | |
| Varies | ATM - £300/day | N/A | |
Asset Movement |
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Accounts |
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| Coming soon | Physical/Virtual | None | |
Security |
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| Name, surname, ID, selfie, and proof of address | Name, surname, a ID, and UK proof of address | Name, surname, ID | |
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User Experience |
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| Coming soon | Android/iOS | Android/iOS | |
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Currency analysis | |
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1 Crypto swapping 2 Simple Earn |
1 Spaces (savings buckets) 2 Bills Manager |
1 Referral (£50 for you & your friend) |
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1 @Tag functionality 2 No freezes 3 Referral program |
1 Spending Insights 2 Post office cash deposits 3 Cheque imaging |
1 Buy a property abroad 2 Emigrating conversion support |
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Company's info |
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| 2025 | 2014 | 2004 | |
| Vytautas Zabulis | Anne Boden | Jonny Beddell | |
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| MSB | FCA, PRA | FCA, AUSTRAC, AFSL | |
| Visit site Read review | Visit site | See TOP10 Brands Read review | |
Starling vs TorFX Comparison Result Analysis
It's clear there are both Starling vs TorFX differences and similarities. Let's go over some of the key aspects and see which is more suited for your remittance needs.
Supported Countries & Currencies
Speaking of worldwide reach, Starling is supported in UK, while TorFX is supported in US, Europe, South Africa and +17 more countries.
As for fiat currency support, Starling can be used to transfer GBP and EUR. In the meantime, TorFX supports GBP, CAD, ZAR and +37 more currencies. Keep in mind that some money transfer services also support crypto – check out the table above to see which ones are available on Starling and TorFX (if any).
Verdict at a Glance:
Considering the overall reach, TorFX offers broader country support than Starling. When it comes to fiat you can transfer, TorFX is a clear winner with GBP, CAD, ZAR and +37 more currencies.
Fees
When it comes to the pricing structure, Starling uses the plan + per-transaction pricing model with up to £20 transaction fees.
TorFX, on the other hand, bases its pricing on the per-transaction model, and has no transaction fees.
Check Starling vs TorFX fees comparison of deposits, withdrawals and any other priced actions in the table above. You can also see if these platforms apply an exchange rate markup.
Verdict at a Glance:
Starling uses the plan + per-transaction pricing model, while TorFX bases its pricing on the per-transaction model. Starling has up to £20 transaction fees & TorFX has no transaction fees.
Transfer Speeds
Starling is known to offer average transaction speed. It may sometimes vary depending on the delivery method, though – Starling supports Bank deposit, ATM and Cash pickup.
TorFX supports Bank deposit as delivery methods and offers average transaction speed.
Verdict at a Glance:
Starling and TorFX generally offer the same transfer speed, though it can sometimes depend on your chosen transfer method and the countries you send from/to.
Limits & Funding Methods
Starling can be funded via Faster Payments, Bacs Direct Debit, CHAPS, SEPA, Post Office and Cheque imaging, and it limits its transfers in the following way - Faster Payments - £1,000,000.
TorFX puts limits on transactions as follows – Regular Overseas Payments - £10,000. Considering available funding methods, you can deposit money to TorFX via CHAPS/SWIFT, Forward Contracts, BACS, Debit card and Cheque.
By the way, many (but not all) providers set minimum deposit, withdrawal, and transfer amounts, which you can check in the Starling vs TorFX comparison table above.
Verdict at a Glance:
Regardless of how similar or different Starling and TorFX seem, always check your account for actual limits because some platforms tie them to your verification level and country.
Summary
This thorough Starling vs TorFX comparison puts Starling ahead based on several factors. However, if we compare either with Ogvio, it outperforms both, having an overall score of 9.8. It provides the highest value for money considering its low-to-no costs, ease of use, worldwide support, and transaction speed. That's why it ranks as the top money transfer service provider.
How Is This Starling vs TorFX Comparison Created?
1. We Collect
All information in this Starling vs TorFX comparison comes from official provider pages, their fee schedules, verified payout samples, and personal testing. We check each country/currency coverage, fees, funding & payout methods, limits, and much more. You can be sure that all the collected information is accurate and up to date.
2. We Examine
Our experts double- and triple-check every data entry in the provider pages and trusted sources. We convert different fee formats into one standard layout, bring all info to the same baseline, and ensure you get all the essential details. The result is clean, comparable information you see in our Money Transfer Services Comparison Tool.
3. We Rate
We rate each provider to make choosing between TorFX vs Starling for travel or remittances simple. Our score blends fees, markup presence, transfer speed, coverage, limits, security, and other factors. Each provider gets a clear score and a short verdict so you can quickly see which is cheapest, fastest, or best for specific use cases.
4. You Choose
Then, it's your call. After we compile the data and rate each provider, you can go over the quick and detailed Starling vs TorFX comparison tables to place each provider's fees, coverage, delivery methods or any other aspects that matter to you side-by-side. This way, you can pick the best money transfer service for your needs.
FAQ
Is Starling better than TorFX?
For some users, Starling might be better, while others might prefer TorFX. It generally depends on your needs. When comparing Starling vs TorFX for international payments or other use cases, always start with coverage and asset support, then make sure to check total costs and available delivery options. If neither option is suitable for you, consider exploring alternative money transfer services.
What is the best international money transfer service?
"The best" is a subjective term. Users seeking cash pickup or home delivery options will opt for more traditional money transfer services. Others, who seek speed, convenience and low costs, might choose neobank-like services. Speaking of which, one of the best new generation money transfer providers to watch is Ogvio. It’s all about low-to-zero fees, worldwide reach, and instant money transfers. On top of that, with EUR- or USD-denominated accounts, it helps protect funds from local inflation or currency depreciation.
Can I use more than one money transfer app?
Yes, using multiple money transfer apps sometimes might even be a better idea than sticking to one. For example, one provider might offer the lowest costs and fastest speeds, which would be highly beneficial for everyday transfers, while another can provide you with home delivery or cash pickup when you need it. You can surely find the most suitable providers for you using our Money Transfer Service Comparison Tool.
How do Starling vs TorFX compare in terms of country and currency support?
Starling is supported in UK and can be used to transfer GBP and EUR. TorFX, on the other hand, is supported in US, Europe, South Africa and +17 more countries and allows GBP, CAD, ZAR and +37 more currencies transfers. Some providers might be better than others in specific countries or regions (e.g., the Philippines, India, Mexico, etc.).
Which is cheaper for international transfers, TorFX or Starling?
Starling uses the plan + per-transaction pricing model, while TorFX bases its pricing on the per-transaction model. To see which is the cheaper option, check Starling vs TorFX fees comparison above in the "Pricing" field. There, you'll find transaction, deposit, withdrawal, and any other costs, including whether or not they add an exchange rate markup. If neither is cheap enough, check out other money transfer providers.
How to compare platforms with this Money Transfer Service Comparison Tool?
It's very easy to use, just pick two services you want to compare in the drop-down menu and click "Compare Now". Once you do that, you'll get an instant money transfer service comparison. As you scroll through it, you'll find all the key info, including the platform's reach, speed, supported methods, limits, extra features, and the best money transfer fee comparison for 2025 and beyond.
All 36 TorFX comparisons
- TorFX vs BookMyForex
- TorFX vs Duc App
- TorFX vs Fin.do
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- TorFX vs GCash
- TorFX vs HSBC
- TorFX vs ICICI Bank
- TorFX vs Instarem
- TorFX vs Krak
- TorFX vs Monese
- TorFX vs MoneyGram
- TorFX vs Monzo
- TorFX vs Mukuru
- TorFX vs N26
- TorFX vs Niyo
- TorFX vs Nomad
- TorFX vs OFX
- TorFX vs Ogvio
- TorFX vs Payoneer
- TorFX vs PayPal
- TorFX vs Paysend
- TorFX vs Remitly
- TorFX vs RemitMoney (Axis Bank Limited)
- TorFX vs RevoluSEND
- TorFX vs Revolut
- TorFX vs Rizon
- TorFX vs Sendvalu
- TorFX vs SendWave
- TorFX vs Skrill
- TorFX vs TransferGo
- TorFX vs Western Union
- TorFX vs Wise
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- TorFX vs YouTrip
All 36 Starling comparisons
- Starling vs BookMyForex
- Starling vs Duc App
- Starling vs Fin.do
- Starling vs Finom
- Starling vs GCash
- Starling vs HSBC
- Starling vs ICICI Bank
- Starling vs Instarem
- Starling vs Krak
- Starling vs Monese
- Starling vs MoneyGram
- Starling vs Monzo
- Starling vs Mukuru
- Starling vs N26
- Starling vs Niyo
- Starling vs Nomad
- Starling vs OFX
- Starling vs Ogvio
- Starling vs Payoneer
- Starling vs PayPal
- Starling vs Paysend
- Starling vs Remitly
- Starling vs RemitMoney (Axis Bank Limited)
- Starling vs RevoluSEND
- Starling vs Revolut
- Starling vs Rizon
- Starling vs Sendvalu
- Starling vs SendWave
- Starling vs Skrill
- Starling vs TransferGo
- Starling vs Western Union
- Starling vs Wise
- Starling vs WorldRemit
- Starling vs Xe
- Starling vs Xoom
- Starling vs YouTrip
