Tell us what you think of this provider.
Amazing
Helped me with any problems I had
5 STAR BANKING
Been using Starling for about 3 years now. The ease of use and the information that I can obtain with the app is a godsend to me. I’m 77 and tech things don’t come naturally to me!
Best ever
Totally safe have to confirm big sales I like that option
Best online Bank
Have had an account for a number of years now and am really pleased. Easy to transfer money to my sons and card worked really went abroad on our recent trip to Lisbon , where other well known cards were not accepted. Also like to feature is banking the rare cheques I receive.
Dual currency accounts
Like the fact I can use euros or sterling automatically when abroad or home
No problems what so ever
Great for using when in south africa
Good service
Gives an excellent service.
Banking made simple
Easiest on line banking l have found, good service and customer savings
Starling Bank
I find Starling Bank to be innovative and always send me helpful and really up to date information. Very happy all round.
Starling bank
Very easy bank to set up bank accounts. I wish they had better savings and bonds. But I suppose you can’t have everything
Would not be without my Starling Card
From the moment I joined Starling, I now do wonder how I survived before. Simple and secure and all I need for day life both in the UK and when travelling overseas. Complete satisfaction!
Can’t fault them
I have personal and business accounts with Starling and they’re fantastic. The app has so much functionality it’s easy to stay organised. They really have left older banks trailing in their wake – definitely highly recommended.
Excellent Bank Service
I joined Starling a few years ago on the recommendation of a friend, and have been impressed in all my dealings with them – especially when my card was stolen in Rome.
It works.
Since joining starling bank a few years ago their systems have worked flawlessly. Current account interest on deposits, regular updates on money paid in, taken out and payments due.
A good bank
Easy for mecto use and keep control of my money.
Starling Bank is a STAR!!
Simply a good bank from savings to spending, to keeping you up-to-date with new banking features
Excellent banking experience
Every transaction pops up as soon as its done, easy to use app
Comfortable and Safe
App is very easy to use and ‘we’ feel comfortable and safe in banking with Starling Bank
A great bank for every day no hassle banking
Starling sets the standard for easy to use and hassle free banking
No problems with this bank
Does what it says in the app no hidden problems
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
-
Pricing & Interest Rates
(4)
-
Products & Features
(4)
-
App & Website
(5)
-
Safety & Reliability
(4.5)
-
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.