Tell us what you think of this provider.
Banking made easy
You can see at a glance your balance and any payments for the day. Easy to transfer money – takes seconds. Very pleased with my banking experience.
Banking experience
Always Helpful, Always current with appropriate suggestions, empathetic and always listening. Thank you.
Good for holidays and saving
I set up my Starling account for the benefits with purchases in other countries – reduced charges.
But then start to save money in it as well, instant access with a higher interest rate, up to £5000. That was very attractive.
I also like the fact you get notified every time you spend money.
So easy to use
I mainly use my starling account to pay for my weekly day to day spend. By using my starling virtual card on my phone I pay straight from my phone and get an immediate receipt to the phone. This way I keep an eye on how much I’m spending on coffees, lunches etc. I only put 1 week spend in the current account , in case any scammers tried to steal off me as there is no access to the spaces (ie savings, holiday etc)
Easy to use
Very useful as second current account and i find the euro account very handy for european payments.
Brilliant
Easy to use
Great Customer Service
Never had a problem with this bank. Customer Service was great when I learned my card details had been used fraudulently, prompt response and everything quickly resolved
Starling Bank
Easy to use and reliable
Safe. Sensible. Succinct.
Safe – i don’t get any ‘hacking’ texts like I did when I was at HSCB
Sensible – the app is straight forward, and uncluttered
Succinct – tells me all I need at know at a glance
Good Bank
Good online bank, Been with them several years, no problems.
Would highly recommend 👌 👍
Brilliant customer service – there when you need them
The app is great. Really easy to use. When things go wrong, it’s so quick and easy to get hold of a customer support person – they are friendly and helpful.
Very good bank
Good bank with excellent online banking
Brilliant
We use the card all the time but especially abroad on holiday as its easy to use with no extra charges.
Excellent
Excellent on line service
Excellent banking service
Starting is refreshingly brilliant. It is easy to use both at home and abroad (with no charges) and the App has some excellent features. It really puts the big boys to shame.
Easy to use
I’ve had no problem with this bank
Hassle -free accessible banking in your pocket
Hassle -free accessible banking in your pocket
Great little savings package.
I USED THEIR SERVICE YO LOCK AWAY A SUM OF MONEY FOR TELVE MONTHS AT A VERY COMPETITIVE INTEREST RATE.ADVISED ME OF MATURITY AND TRANSFERRED FUNDS ON ANNIVERSARY.EASY TO USE GREAT SERVICE AND A NICE PROFIT.
Of the banks I use Stealing is the best and easiest to use for all types of service.
Excellent service
Excellent service
Operators always available for issues
All good for banking saving etc.
Best bank ever
So easy to use and their customer service is excellent. Brilliant idea for saving spaces, I transfer bill money into a space as soon as I get paid and don’t have to worry about any bills after that..and what’s left I know I can spend on nicer things.
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 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.