Tell us what you think of this provider.
More Than Happy
have been with Starling a few years now. Even the small amount of communication I’ve needed has been smooth & satisfactory. Online chats make for a simpler system, plus you’re not hanging on the phone for ages! The app is easy to use & read. Transferring money whether between accounts or an outside source, is easy too. Right now, I can’t fault them! Everything a bank should be!
Best Bank I’ve used
Starling is the best bank I’ve used for years. Everything actually works it’s easy to use and follow and I also get interest paid to my account. Also no charges on overseas spending. Brilliant
Simply Excellent
Puts the High Street Banks to shame. Excellent app, excellent customer service.
Satisfied
I find Sterling bank totally meets my needs
Best bank!
Starling provides an excellent service. Good communication. Interest on your current account. We travel regularly to Australia and use our starling card each time, at every venue without a single hitch! Very impressive! Also, starling inform us of how much we have spent in sterling. A starling card is a must for every traveller and gives huge peace of mind. I would recommend starling banking without hesitation!
Easy and straightforward to use
Very easy and straightforward to use and keep a track of all spending.
Was ideal for recent holiday abroad, good exchange rate, no fees and so much easier than using cash.
Banking made easy
You can see at a glance your balance and any payments for the day. Easy to transfer money – takes seconds. Very pleased with my banking experience.
So easy to use
I mainly use my starling account to pay for my weekly day to day spend. By using my starling virtual card on my phone I pay straight from my phone and get an immediate receipt to the phone. This way I keep an eye on how much I’m spending on coffees, lunches etc. I only put 1 week spend in the current account , in case any scammers tried to steal off me as there is no access to the spaces (ie savings, holiday etc)
Good for holidays and saving
I set up my Starling account for the benefits with purchases in other countries – reduced charges.
But then start to save money in it as well, instant access with a higher interest rate, up to £5000. That was very attractive.
I also like the fact you get notified every time you spend money.
Banking experience
Always Helpful, Always current with appropriate suggestions, empathetic and always listening. Thank you.
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
Please register or sign in to continue. It’s FREE!Please enable JavaScript in your browser to complete this form. Choose A Terms Enter Your Email To Register *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
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 * Email Privacy Register 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