Tell us what you think of this provider.
Great Bank!!
Always there for you if any problems that may occur. Friendly and very helpful staff. So glad I joined Starling.
Spaces
Works very well for me, especially the ‘spaces’ function. It helps me to plan ahead.
Even We Can Use It
We’re in our 60’s and were not used to internet banking, but even I have found this easy to use.
Even when I’ve had query I’ve been able to communicate via the app and every time my question has been answered.
Easy to use
Very easy to use, I like the fact that if a new transaction is made Starling will check and make sure it’s me and ask me to confirm
Trustworthy
Hassle free pocket friendly secure banking
Best Bank
Easy to navigate through to my requirements.
Easy to use
Love this banking app,it’s easy to use & does everything it’s meant to do & more
Great to use for foreign travel
I’ve been with Starling for years and always use their card when travelling abroad as the card is secure, tells me how much I just spent on an item in sterling and gives great exchange rates on currencies.
They also pay you interest on your account.
Starling banking
Starling bank is so easy to use and the customer service is brilliant. Best bank around.
Excellent service
Very easy website to navigate.
And interest on my account
Easy to manage
Starlings online app makes managing and moving money nice and easy
Excellent Banking Service
Starling Bank are a easy bank to deal with. Reliable app that since I’ve been using as been reliable.
Excellent customer service.
A first class bank all round with an excellent app.
Very security aware and very easy to contact.
Who needs a branch when the app works this well?
My former bank closed their last branch within miles.
Which asks the question would you rather have a bank that (theoretically) has branches but a dismal app.
Or a bank with no branches but an app that works really really well.
Star Starling!
By far the best bank I have ever used! The app is efficient and effective am very happy with the service provided
Simplicity
Everything at your fingertips 😀👍🏻
Easy,peasy
Great for exchange rate
Saved me a lot off cash when booking hotel through exchange rate
Easy to use.
I use Starling bank for my savings, holidays, Christmas, I put any surplus money in there, it’s amazing how quickly it amounts up. It’s very easy to use.
Reliable
The one bank I felt I could rely on when going abroad.
Starling bank
I’ve been with this bank for just for a while now I am very happy with the way they handle things and in my eyes a very good bank
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.