Tell us what you think of this provider.
The best bank
If your not a Starling customer, you should be ! So refreshing to find a bank that actually cares about it’s customers. I can’t recommend Starling highly enough.
Could do better
Could do with a high interest rate on savings
Well Structured Account Features
Best experience of personal banking in over 50 years. Cannot fault the features and service levels offered.
Starling Bank
Effective efficient service
App
Easy and straightforward to use.
Mr militello
Very good 🏦
Best bank
Over the years I’ve banked with many institutions. Starling is easy & intuitive & when I’ve had a problem the phone has been answered promptly by a person whose accent & speech was very easy to understand.
Works for me
Moved from a high street bank nearly 36 months ago,fed up paying charges, really glad I moved, everything has been and is near perfect, cannot fault
Best Bank
Love using the starling card when abroad. Excellent exchange rate. Easy to use app and very good communication. Have recommended to others in my family and we all now have starling accounts
Best bank
I like this bank
excellent
best exchange rates and good banking facilities
Great Bank
Hassle free banking.
Great card for travelling
Easy access as a normal debit card, good foreign exchange rates. No charges for using abroad on purchases.
Excellent
I had faithfully banked with Barclays for years, but a friend told me about Staring. Having looked in to it I changed. It was the best thing I have ever done. It’s not face to face only online but the service I have received is something I never had at Barclays excellent. The web page is very easy to follow.
Great bank
Easy to use app alerts telling you what you’ve spent and when money is due to go out of your account direct debit standing orders etc .
Bank in your pocket
Secure and easy to use. Instant access on your phone whenever you need it. I originally used Starling just for holiday cash. (No charges on use abroad). I am now using it as one of main accounts, because of ease of use.
Easy banking
Fast and easy transaction
Very responsive. Very informative
This bank keeps you abreast of all transactions on your account immediately money leaves or enters it. When paying money to a third party, the bank double checks by warning you to be sure so as not to be scammed. Also ease of business. Confidence.
The best
Best and easy to use bank
Confidence
Satisfaction and excellent
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.