· finance

Monzo vs Starling Bank

Monzo's policy answers the question and is graded D. Starling Bank's doesn't say either way. That's a finding about the document, not a worse grade.

Grades read the plan most people are on. Each company's full entry has every plan, every clause and the archived copy it was read from.

Monzo

Monzo does train AI on customer data — but only where it cannot anonymise it first, and it bars its AI suppliers from training on you at all.

Verdict

By default: Trains on you by default
The way out: Opt out by contacting support
What D means: On by default. An opt-out exists, but you have to go looking for it.
Last checked: 5 Oct 2026

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Starling Bank

Starling's AI notice says no external AI model is trained on its customers' data. Whether its own models are, neither that notice nor its privacy notice says.

Verdict

By default: The policy does not say
The way out: Nothing to opt out of on the record
Last checked: 5 Oct 2026

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Monzo: every plan

Monzo · what each plan can refuse · checked 5 Oct 2026

1 PLAN

Plan

Exposure

Trains

Opt-out path

Retention

De-identified

Human review

All accounts

51 / 100

YES

Contact support

Not stated

Yes, stated

Unknown

How the score is made51 / 100 · the rubric

Default32 / 50

On by default, with a way out

Way out18 / 33

Refusing means writing to the company

Paywall0 / 4

No paywall on the control

Scope1 / 4

2 kinds of data are in scope

Human review2 / 4

The policy does not say whether people read it

De-identified-2 / 2

The policy says data is de-identified first

EVERY CELL ABOVE IS SOURCED FROM A QUOTED CLAUSE OR A DOCUMENTED SEARCH · SEE THE EVIDENCE ABOVE

EXPOSURE IS SCORED 0–100 ON ONE AXIS, HOW HARD IT IS TO STOP THIS PLAN TRAINING ON YOU. THE GRADE IS THE BAND IT FALLS IN: A 0–10 · B 11–25 · C 26–45 · D 46–60 · E 61–80 · F 81–100. HOW THE SCORE IS SET

All accountsTRAINS: YES

OPT-OUT: Contact support
RETENTION: Not stated
EXPOSURE: 51 / 100
DE-IDENTIFIED: Yes, stated
HUMAN REVIEW: Unknown

Starling Bank: every plan

Starling Bank · what each plan can refuse · checked 5 Oct 2026

1 PLAN

Plan

Exposure

Trains

Opt-out path

Retention

De-identified

Human review

All accounts

UNCLEAR

Not established, see below

Not stated

—

Not established

EVERY CELL ABOVE IS SOURCED FROM A QUOTED CLAUSE OR A DOCUMENTED SEARCH · SEE THE EVIDENCE ABOVE

All accountsUNCLEAR

OPT-OUT: Not established
RETENTION: Not stated
EXPOSURE: —
DE-IDENTIFIED: —
HUMAN REVIEW: Not established

Every grade on this page is the one on the company's own entry, read from a dated, archived copy of its policy. Nothing here is computed separately. How grades are set · All comparisons