Tell us what you think of this provider.
Brilliant when in Europe – no fees!
So much better to spend in Europe just as I would in UK! No fees .
Plus I earn interest on my current account. Winning all round!
Quick and Easy
Starling on line bank is the best. We use it when on holiday as well. Access is so quick. It shows you what you have spent and where. Love it.
Easy banking
The Starling banking app is simple to use. It is first experience of ebanking so I appreciate the easy navigation of the site.
Best in class
Starling bank is perfect for my everyday use. It’s easy and straightforward, 5*
Efficiency with ease!
A straight forward banking experience which takes the hassle out of paying abroad
Excellent experience in UK banking
It is easy and friendly managed in my first choice of banking services in UK.
Intelligent Banking
It took me ages to take the leap and open my new bank account as it’s all online. So glad I did. So much easier than other banks to navigate. Everything was straight forward. No faffing and stupid questions. I would recommend to everyone thinking of moving banks or just setting up a bank account.
no fuss
straight forward easy to use no big fees
Easy peasy
Since joining I have been treated very well. Last week my card stopped working and after a quick message all was resolved with the new card awaiting on return home, initiating the card was simple. It took minutes to organise things and replace my card into my electronic wallet. Setting up a savings space for my great granddaughter starting with a small amount into a savings space.
Excellent service
Easy to use and easy to set up well done
It covers all
Starling has everything I need in banking and when abroad I never worry about any foreign cash, because Starling does it all….thank you.
Better than expected
I nervously opened my account not expecting much but I must say Starling are better than I expected.
Oki doki
👍👍👍👍👍
Very intuative to use
Super convenient
Excellent banking
When you need to speak to someone they are there uk call, love the way the acc runs and most importantly I feel the security is very good.
First class
First class no hassle banking a breath of fresh air.
Easy to bank with.
Since I joined Starling I have had no problems doing what I want to do with my money. If you want an online bank then seriously consider them.
Starling Bank
Very good
Professional services
Excellent service, mobile app is user friendly
Holiday
As i shopped at supermarket and refused my card
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.