Tell us what you think of this provider.
Easy to Use and Understand
I am happy to be a member of this bank. I am looking forward to the end of terms with my current bank, then my salary will be paid directly into my Starling account. Notification of monies coming in, and easy assess to international services.
Professional and easy, I hope it stays this way!
Customer Support Awesome
Never had an experience like this bank. The customer support is second to none. Had money taken from my account. Sorted within less than 24 hrs.
Excellent service
Easy to use. Customer service is very helpful and efficient when needed.
Just Superb
I can’t fault Starling Bank, they make everything so easy with their brilliant app and on the rare occasions I have contacted them, the service has been first class.
Easy online banking service.
A very easy app to navigate. Instant advice on phone when purchasing an item or topping up the card.
Easy to use
Simple and easy to use
Budgeting
Great bank happy I’m with them
Always there
Never had a issue always great service
A breath of fresh air
As far as I’m concerned starling banking is breath of fresh air it’s way ahead of all the so could other leading high street banks I’ve been with them over 3 years and have told lots of my friends to switch
Well done you !!
Ease of use
Incorporating a feature like “Spaces” makes day to day budgeting almost a pleasure.
Paying bills ‘on the go’ equally appealing
Brilliant bank
Easy to use on mobile
Efficiently run
Easy to talk to someone
Starling bank
Always been helpful any problems sorted out quickly and efficiently
extremely satisfied
Have found this bank great to deal with. used it for going on holiday. Love that i get interesttoo. Have recommended it to all my friends.
Good bank
Easy access to my account, transferring money is easy, paying in a check takes seconds. Very good on line back.
Brilliant service
We are really happy with service provided by Starling. I lost my card and received a new one within 3 days. Any queries are dealt with swiftly and professionally.
Sensible bank
Layout of site easy to use. Simple straightforward and efficient in use.
No problems
Never had a problem never decline home and abroad
Easy and safe
I have been with Starling for a few years now and never had a problem with the app,I love the saving spaces,they really help me budget.
Best banking services
I’ve been banking with starling for few years and I have never had any issues. Easiest banking solution.
very good bank
very good bank easy to use app. with some good features couldn’t wish for anything more
Starling Bank: A UK digital bank with modern features and competitive savings
Provider: Starling Bank
Verdict: Starling Bank is a UK digital challenger bank offering personal, joint, euro and business accounts. It has no monthly fees, FSCS protection on deposits up to £85,000, and is regulated by the FCA and PRA. Starling is based in London, with its registered Starling Bank address at 2 Finsbury Avenue, London, EC2M 2PP.
Is Starling Bank good?
For most users, yes. Starling Bank offers fee-free banking, competitive savings rates, and an excellent app. Is Starling going bust? No — despite regulatory fines, it remains stable, FSCS-protected, and growing. It’s one of the strongest digital options for personal and business accounts, as long as you are comfortable with app-based banking and don’t need branches.
Pricing & Interest Rates
Starling Bank has built its reputation on transparent pricing and competitive interest rates. Its Easy Saver account currently pays interest on 12-month terms. It has removed interest on standard current accounts from February 2025, reducing returns for customers holding large balances.
There are no monthly account fees, and Starling does not charge extra for spending abroad, using Mastercard’s exchange rate for foreign card payments and ATM withdrawals. These features make it attractive for both domestic and overseas use.
Products & Features
Starling Bank offers a full range of current and savings accounts, plus business and euro accounts. It has budgeting tools like Spaces for ring-fencing money, Bills Manager for setting aside funds, instant transaction notifications, and strong card controls.
Business customers can connect accounting software through the Starling Marketplace and access free UK payments and integrated spending insights.
There is no Starling Bank credit card yet, but its core products are broad and well integrated, giving users strong day-to-day banking functionality.
App & Website
The Starling Bank app is one of the strongest in UK banking. It has a clean design, reliable performance, and highly rated features like cheque imaging, instant alerts, spending categories, savings goals, and card freezing.
The app and online banking platform are regularly updated, and customer reviews praise their stability and ease of use. Starling Bank login is secure and fast, and you can open or close accounts entirely through the app without needing branches.
But website bank account access is limited.
Safety & Reliability
Starling is a licensed UK bank with full FSCS protection and robust security tools like biometric login, fraud monitoring and instant card controls. It has faced scrutiny, with the FCA fining it £29 million in 2024 for “shockingly lax” anti-money laundering controls, which has raised questions about Starling Bank financial struggles and governance, though it remains solvent and operational.
The bank has since pledged to improve compliance systems. While these failings dented its reputation, Starling Bank is safe overall, and is Starling a UK bank? Yes, it is fully regulated and headquartered in London.
Customer Experience
Customer reviews are generally positive, praising fast account opening, helpful in-app chat support, and the absence of fees. Users say it is intuitive to use day-to-day and Starling Bank abroad works well, with no extra charges for foreign spending or ATM withdrawals.
Cash deposits are possible at Post Office branches using a Starling Bank sort code and account number, which answers common questions like how to pay cash into Starling Bank or how to put cash into Starling Bank.
There are occasional complaints about delays resolving complex fraud or disputes, but these are relatively rare.
Pros
- Excellent mobile banking app
- No monthly account fees
- Strong savings interest rates
- Instant spending notifications
- FSCS protected up to £85k
Cons
- No physical bank branches
- Lost current account interest
- Past FCA regulatory fine
- Limited cash deposit options
- No Starling credit card
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Pricing & Interest Rates
(4)
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Products & Features
(4)
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App & Website
(5)
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Safety & Reliability
(4.5)
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Customer Experience
(4.5)
Overall
4.4
Starling’s cash ISA may be convenient but you can get better rates elsewhere
Starling Bank’s Cash ISA currently only pays 2.5% AER, which is over 1% below the Bank of England base rate. If you are looking for better returns on your savings we’ve put together a list of Starling Cash ISA alternatives. Important note: Cash ISAs are generally a good way to tuck money away in the
Starling Bank Easy Saver account launches paying a competitive 4% interest
Starling Bank has introduced a new Easy Saver account to its platform, aimed at providing a simple and seamless saving experience for its customers. The new Easy Saver account offers an interest rate of 4% AER on balances up to £1 million, with daily interest calculations and monthly payouts, which is very competitive with savings
Anne Boden, Starling Bank CEO on how they offer some of the best international money transfer exchange rates in the market
About four years ago I set up a currency transfer service (it was called Berry FX if you must know). Because more years ago than that I used to be a prime broker for client-facing foreign exchange services. We used to convert some (relatively speaking) large amounts and deliver around £20m Euros, USD, Danish Krone etc.