Tell us what you think of this provider.
So easy
They have real people that you can speak who look after your interest.
Great Bank!
Love Starking Bank. Prompt service, great help when required. They listen to their customers. App easy to use.
Brilliant!
Brilliant Bank, brilliant app, does everything I want it to do
My new Bank Starling!!!
Keep the standard high and everything thing will be fine.
Starling Star!
Excellent digital banking, easy to use and I have never had a problem… Unlike with some other banking apps.
Very Good Bank at Communication and Service
Excellent in all aspects of Banking
Leading the way in banking
My wife and I have been with Starling for 3 years and find it by far the best bank we have ever used. The app is so easy and reliable, and transactions are straightforward, both at home and abroad.
In our opinion, Starling is leading the way in banking.
Great banking
Always great banking ,quick answer easy
Very efficient bank
Very efficiently run bank. I have no quarms about recommending Starling to all my friends and family.
Customer first
Treats you that you come first. That they are there to give you a first class service. Listen to you when you have an issue and protect you first and foremost. The app is first class well thought out and user friendly. And protects you against fraud, by asking for confirmation of payments, and reacts immediately when you have a queries on a payment.
Fantastic
So easy to set up and use. The interest rates are competitive and the no fees and foreign currency exchange rates make Starling the best.
Great bank.
I have been with one of the major banks for over 60 years.
I opened a Starling A/C on the recommendation of my daughter, and I am extremely impressed .
Best bank by far
Love this Bank, always ready to help, helped me out of a couple of tricky situations , fast and efficiently, above and beyond.
Best bank in Britain
No surprises… everything works as it should. No hassles.
First class
Internet banking made easy
Easy and great
Easy to use and help always available when I need it in a professional and friendly way.
Excellent
Excellent service.
Easy and simple app
The app is simply understandable, easy to use. Prompt reminder when money has been taken out making me feel secure and confident that my money is being looked after well.
Digital banking made easy
App is easy to understand and easy to use with a lot of good features.
ALWAYS THERE TO HELP
I have only been with Starling Bank for a year. However, I wish I had been introduced to them earlier.
Great customer service together with great saving accounts.
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.