Tell us what you think of this provider.
So far ahead of the ‘big’ banks, it’s embarrassing!
Such an intuitive app with the ability to create payment cards for things like holidays, the car, etc.. Tracking spend made easy!
The other banks have only just cottoned on after so many years.
Good banking
Really good ap and can do saver spaces
Excellent bank
Excellent safe and secure banking services
Easy to understand how to use products
Very happy with everything on the APP
Helpful attitude
Customer focused .Always trying to improve. I like that all my transactions register at virtual lightning speed. Zoom!! Fantastic. Thank you Starling xx
Notification is excellent
The bank is excellent at keeping you updated about your spending.
Quick, simple, efficient
A simple way of looking after your money. Modern and efficient. A pleasure to use.
Excellent and supportive
Really helpful, supportive and professional
Fantastic
Brilliant bank tells you when your dd are due when monies are coming in very safe cannot fault this bank.
Easy
Very easy to use, and when I had an issue with a card, they sorted very quickly and easily
Easily Operate Starling UK and Euro Accounts Seamlessly
Changing banks to Starling some four years was a great move.
It enabled me to close my existing Spanish current account that had really high charges. I can operate my UK and Euro accounts side by side with instant transfers. All transactions are notified immediately and in addition a decent rate of interest is paid on my UK accounts.
Excellent Customer Support
Starling Bank is simple to use. The staff are so helpful and have always been able to answer my questions and resolve my problems.
Excellent bank
I wanted to try one of the new banks to see how they compared with the long-established ones.
Starling has a great advantage in that they have relatively recently started from scratch, so have established themselves in the era of non-branch banking and done so very successfully. Equally important is their IT and customer-facing website and app are new and not based on legacy software, which makes them work really well.
All in all Starling is a great bank and I have no hesitation in recommending it, so much so that I use my Starling account for all my day-to-day banking in preference to the old account which I do still have.
Starling are easy to use and seem to stay out of my face
low friction – low cost (to me)
Convienient banking
It is a easy and customer focused bank. They pay competitive interest rates
Best Bank ever
I joined Starling when the Bank I was banking with ( one of the original big high street banks) decided to close our local branch which meant had to travel miles to get to a branch was not happy even thou I’m not a rich customer I wanted to object so I joined Starling , easy peasy account to operate with the saving spaces make it so easy when you watching pennies . Would really recommend
Nice and simple banking
A great experience all round. I use Starling for both my personal and business banking and have never had an issue.
The app is simple to use and the odd time I’ve had to deposit a check its been a quick and easy process.
I would happily recommend Starling to anyone.
Starling
The Starling app on my mobile phone is so easy to spend, process my activity, and review on line.
I will probably end my long term, big 5 bank relationship, soon. My business works mainly in Euros, so I will use Starling instead. Rates of exchange from my big five bank, are very poor, so other reliable currency exchange methods are used.
problem
Nothings a problem never have to wait long when I phone always polite staff
Excellent Online Banking
I love Starling bank. It’s easy to use, everything is very clear. On the odd occasion I have needed to get help the staff have been very helpful. I am kept fully informed of all expenditures so no surprises. Saving for certain things is easy with ‘Spaces’. As a power of attorney for a relative who banks with a High street bank I use online banking for their account. Starling is so much more efficient and informative. I would thoroughly recommend Starling Bank.
Excellent
Very easy to use and keep track of your spending even aboard.
I travel a lot for both work and pleasure using my card for gifts etc is just so simple you know the cost in Pounds as well as the local currency.
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.