Tell us what you think of this provider.
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
Convienient banking
It is a easy and customer focused bank. They pay competitive interest rates
Starling are easy to use and seem to stay out of my face
low friction – low cost (to me)
Starling
The Starling app on my mobile phone is so easy to spend, process my activity, and review on line.
I will probably end my long term, big 5 bank relationship, soon. My business works mainly in Euros, so I will use Starling instead. Rates of exchange from my big five bank, are very poor, so other reliable currency exchange methods are used.
Excellent
Very easy to use and keep track of your spending even aboard.
I travel a lot for both work and pleasure using my card for gifts etc is just so simple you know the cost in Pounds as well as the local currency.
Excellent Online Banking
I love Starling bank. It’s easy to use, everything is very clear. On the odd occasion I have needed to get help the staff have been very helpful. I am kept fully informed of all expenditures so no surprises. Saving for certain things is easy with ‘Spaces’. As a power of attorney for a relative who banks with a High street bank I use online banking for their account. Starling is so much more efficient and informative. I would thoroughly recommend Starling Bank.
problem
Nothings a problem never have to wait long when I phone always polite staff
Easy banking
Easy to access whenever needed. Txt when money paid in or outout so keeping watch on spurious a/c activity.
Best bank
Easy to use app. Customer service quick and helpful if ever needed.
Best bank I’ve ever been with
I love Starling bank for its ease of use, swiftness of transactions, the instantaneous info it sends to my phone for money payments going in or out of my account and the clear way everything is set out. It really is a pleasure to belong to Starling bank.
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
Please register or sign in to continue. It’s FREE!Please enable JavaScript in your browser to complete this form.Enter Your Email To Register * Username Terms Privacy Choose A Username *Password *PasswordConfirm PasswordTerms & Privacy *I agree to the terms & conditions and privacy policy.Register Already registered? Login below: Username or E-mail Password Remember Me