Tell us what you think of this provider.
Great Bank to be with
Originally banked as a business customer but liked them so much, opened a personal account, and subsequently a joint account too!
Excellent service
I have a Sterling and Euro account with Starling. It was easy to set up and any time I have had a query, it has been responded to promptly and accurately. Can’t fault them.
Excellent.
Quite friendly and helpful. Nice to talk too.
Simplicity and Clarity
Everything this bank does makes me think – why didn’t I get here sooner? They have been transformational in how I see banking and they always make any issues I have (which are rare) seem top of their “To Do” list. I can always manage to speak to a person if I need to and using my card in the UK and abroad has been so easy.
Great bank, great features on the app, and 1st Class Customer Service when needed – what more can I ask for?
Great Bank for all my financial needs
So pleased I opened a Starling Account. So easy to use, immediate online customer service. All account information easy to locate within the App. Easy to set up saving goals and budgets.
Really helpful to have in one’s wallet when traveling abroad due to great conversion rates!
Working as it should
Information at your fingertips – banking activity does not take hours any longer- works smoothly.
Really great bank, it’s all just easy
Starling is far and away the best bank I’ve ever been with. They make everything easy, the app is great, but they still have people you can talk to if you need it.
I used to have credit cards I used when I travelled, there is no need for them now, Starling always has the best conversion rate.
overall experience
Starling Bank keep me instantly informed of all transactions and of any Starling news. Used them in America without any problems.
An excellent bank
Service
Excellent website and phone customer service
Excellent bank
My partner &Iboth have accounts and it’s a easy to understand app, great spaces where you can delegate you money,good for travel
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.