Tell us what you think of this provider.
Notification is excellent
The bank is excellent at keeping you updated about your spending.
Helpful attitude
Customer focused .Always trying to improve. I like that all my transactions register at virtual lightning speed. Zoom!! Fantastic. Thank you Starling xx
Fantastic
Brilliant bank tells you when your dd are due when monies are coming in very safe cannot fault this bank.
Excellent and supportive
Really helpful, supportive and professional
Excellent bank
I wanted to try one of the new banks to see how they compared with the long-established ones.
Starling has a great advantage in that they have relatively recently started from scratch, so have established themselves in the era of non-branch banking and done so very successfully. Equally important is their IT and customer-facing website and app are new and not based on legacy software, which makes them work really well.
All in all Starling is a great bank and I have no hesitation in recommending it, so much so that I use my Starling account for all my day-to-day banking in preference to the old account which I do still have.
Excellent Customer Support
Starling Bank is simple to use. The staff are so helpful and have always been able to answer my questions and resolve my problems.
Easy
Very easy to use, and when I had an issue with a card, they sorted very quickly and easily
Easily Operate Starling UK and Euro Accounts Seamlessly
Changing banks to Starling some four years was a great move.
It enabled me to close my existing Spanish current account that had really high charges. I can operate my UK and Euro accounts side by side with instant transfers. All transactions are notified immediately and in addition a decent rate of interest is paid on my UK accounts.
Nice and simple banking
A great experience all round. I use Starling for both my personal and business banking and have never had an issue.
The app is simple to use and the odd time I’ve had to deposit a check its been a quick and easy process.
I would happily recommend Starling to anyone.
Best Bank ever
I joined Starling when the Bank I was banking with ( one of the original big high street banks) decided to close our local branch which meant had to travel miles to get to a branch was not happy even thou I’m not a rich customer I wanted to object so I joined Starling , easy peasy account to operate with the saving spaces make it so easy when you watching pennies . Would really recommend
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
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Anne Boden, Starling Bank CEO on how they offer some of the best international money transfer exchange rates in the market
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