Tell us what you think of this provider.
Perfect in every way
Online banking straight forward. You state exactly what for you use your money and they will make the transfer, not hiding behind fraud cautions. Employees 110 percent professional on the phone.
Great app
Ease of use and always in control of your finances
Great..love it
Superb app and notification system
The app and the system of automatic notifications when we spend, is the best in the business. None of our other banks or card providers are as good as Starling at keeping us informed of our spending. I find it very reassuring that I will always get a beep when the account is used. It makes me feel secure in using the Starling card and app.
Happy to made the change
After many years at a building society I finally jumped ship to Starling Bank, this back in 2020. Jump forward to 2024 and I haven’t looked back.. Starling offers a refreshing change from conventional banking with a app and web based that puts the control firmly in the customers hands. I know some may balk at the lack of actual branches to pop into. In fairness, I haven’t missed the branch for one second. Everything can be done from the convenience of the living room. Starling offers a progressive banking experience, safe in the knowledge that its cyber technology is one of the best.
Problem free
The app is easy to use and has lots of functionality. I’ve never had any problems in my two and half years with Starling.
Great app, great bank
We love Starling. Great ethics, easy to use app, what’s not to like?
Best bank I have ever had
Easy to set up does all I need it to, great rates on using currency abroad and I know what I’m spending my money on with a first class app.
The very best bank that the others should follow
Never had a bad experience, app is easy to do and everything is very reliable, great staff always there to ask questions fantastic service
Unsruffy
I was previously with an old traditional bank who were stuck in the 1900’s apart from their call centre which was stuck somewhere in India.
Starling are fresh, online, 24/7 and available when I need them.
So easy to have a UK and Euro account
I have a house in Spain and travel there for half the year. Starlings have given me the opportunity to change money at a very good rate all the time.
By far the best
Excellent all round
User friendly straight forward Bank
Simple easy to use bank. Very user friendly.
Great bank
Easy to use, especially abroad. Good exchange rates. I have recommended Starling to friends.
Best bank ever
So easy to use. A really friendly interface. Everything is easy to do, from allocating money to different spaces for different reasons, and being able to pay bills and DDs from within a space to getting advance notice that a DD will be drawn next day so I can move money if necessary. And so much more.
I love how I am told instantly where I have spent money – usually before the till has been able to print a receipt.
I know where money has been spent and it is so easy to keep track of everything.
I couldn’t be more pleased. I have another account with another bank and the difference is astounding (I’ll be closing that one, now I’ve found Starling)
Excellent
Easy, organised and can keep track of both my business and personal finances with ease.
Very helpful support team
Because when ever i need help with anything they have been efficient everytime.
Just what a Bank should be.
Excellent bank, does what it should, when it should and is very simple to operate via the app.
Doesn’t try to do things it shouldn’t and doesn’t try to sell “products” whenever you use or contact them.
We get regular e mails detailing the latest advice regarding frauds and cons that are doing the rounds and how to avoid falling victim.
Both my wife and I are advocates for Starling Bank and have highly recommended them to our friends and family.
No hassle banking
Easy to set up, easy to get in touch with, occasional emails on tips, news, services, easy to use app.
I definitely recommend Starling for everyone.
Great bank
Easy to follow transactions.
Decent interest rate
Bought a car
I bought a car then to find out after it was a scam starling bank got on my case and got me my money back there team was brilliant 5 +++++
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.