Starling’s main bank account (whether it’s a Business or Sole trader account ) has no monthly fees. You can add a module called Business Toolkit for £7 per month, which is a set of additional features mostly relevant for freelancers.
At Cashplus, you don’t pay a thing to open a Euro or US dollar account, and monthly fees do not apply to them either. They do cost at Starling, though: £2 monthly for the Euro account and £5 monthly for the USD account.
Domestic payments like Faster Payments, standing orders, Direct Debits and transfers between bank accounts in the UK are free indefinitely with Starling. Cashplus does not charge for the first three of such payments a month, but thereafter it’s £0.99 per UK payment. This does not apply to purchasing things with the Mastercard, though – GBP card transactions have no fees for neither bank.
Depositing cash in a UK Post Office has the same fee, 0.3% of the total deposit amount, though Starling requires a minimum of £3 where Cashplus only requires £2 as the minimum cash deposit fee.
Cash withdrawals are totally free with a Starling account, in the UK and abroad. You can’t say that about Cashplus – in the UK, cash withdrawals are £2 and abroad, they are £3 plus a currency conversion fee of 2.99% if a different currency was taken out.