Can I pay my Capital On Tap statement from a Starling Business account?

Yes. Set up the Direct Debit from any UK business bank account — Starling, Mettle, Tide, Monzo Business, or any high-street bank.

Independent comparison · May 2026

Capital On Tap vs Starling Business (2026)

Starling Business is the popular digital business bank account with a Mastercard debit. Capital On Tap is a credit card with rewards. Most UK SMEs use both — Starling for banking, Capital On Tap for the credit card.

Side-by-side specification

	Capital On Tap	Starling Business
Annual fee	£0 (Business) / £99 (Rewards)	£0 (Free tier)
Rewards	1 point per £1 (= 1% cashback or 1 Avios 1:1)	No cashback
Foreign-exchange fee	0% FX fees worldwide	0% on Starling debit card abroad
Credit limit	Up to £250,000	Overdraft only
Eligibility	UK Ltd / LLP / PLC, £24k+/yr turnover, no unsatisfied CCJs (last 12 months). Sole traders not eligible. No published minimum trading-period rule.	UK Ltd or sole trader
Representative APR	34.65% representative variable	Variable on overdraft
Application	~2 minutes, soft credit check first	App, ~10-30 minutes
Card type	Visa Business credit card	Mastercard debit

Where Capital On Tap wins

✓ True credit card (~50 days interest-free)
✓ 1% cashback Starling doesn't pay
✓ £75 welcome bonus with code 2REFY893A52
✓ Higher credit limit (£250k vs overdraft)
✓ Builds business credit history

Where Starling Business wins

✓ Free UK business bank account with sort code
✓ 0% FX on debit card abroad too
✓ Excellent app, real Faster Payments
✓ Works for sole traders

Who should pick which

Pick Capital On Tap if

You're a UK Ltd company and want a credit card with rewards and credit line.

Pick Starling Business if

You need a free UK business bank account (use both — Starling for banking, Capital On Tap for credit).

FAQs: Capital On Tap vs Starling Business

Can I pay my Capital On Tap statement from a Starling Business account?: Yes. Set up the Direct Debit from any UK business bank account — Starling, Mettle, Tide, Monzo Business, or any high-street bank.