Tell us what you think of this provider.
Outstanding Bank
Simple, easy to use with helpful advice on a variety of topics from saving to investments and a whole lot more in between.
Very happy Starling bank customer
So glad I changed bank to Starling. Excellent service, very convenient and really user friendly. It’s so much easier to pay bills, manage transactions and keep track of spending.
overall a fantastic bank
Starling is a great bank with excellent customer care.
Absolutely Horrible experience
Worst onboarding process ever, they take forever to onboard and don’t care at all about their prospective customers
Best Bank
Very good at keeping you informed at what’s happening to your money
Brilliant bank
Have had an account for a few years, never had any issue at all
Simple to understand
Amazing
Ease
This bank is so easy to use, if you need help you get a quick friendly response, I can’t rate it highly enough
Everything works.
Everything works as you would like, can be done on the phone and is instantly updated.
The bank that actually pays you interest!
Great bank. Easy to use, safe, and secure. And they actually pay you interest on your balance (every month)
Highly recommend!
Great bank
Great app, easy to use with some great features
Meets the needs and expectations
App works well. Clear and helpful.
.For overseas assistance
I recently toured through 5 southern hemisphere countries and found the Starling Bank credit card as ideal in enabling purchases in local currencies with no hassle at all.
5 star review
It’s great bank helping nature iam with this bank for last 3 years
Great bank
Really simple to use, quick and reliable.
Secure bank
Me and my family have been banking with starling for quite a while now and it’s the most secure bank in the UK nowadays especially when scammers are increasing.
There customer service are very helpful and quick to respond and resolved issues.
There travel rates abroad is fantastic. They are the best.
Hassle free!
Hassle free.
Simple!
Intuitive app., simple to use, great service
It works
Everything about Starling is easy. I love the fact that I can have a functional joint account for all the bills, as well as a personal account for pounds and Euros. It works in the Eurozone just like that. Love the saving spaces and how easy it was set up an account in lockdown.
Excellent Customer service. Easy app. to use.
I never thought internet banking could be so easy ! Excellent in every way. Keep up the Good Work 🙂 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
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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
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.