Tell us what you think of this provider.
Digital banking made easy
App is easy to understand and easy to use with a lot of good features.
Yeah
Great app great bank
Services to tip of finger
I’m very happy for banking with Starling..
Nowadays many banks are closing their branches which means taking away most services from the customers. In opposite Starling brought all banking services to our tip of fingers.
Thanks to Starling…
Why I recommend Starling bank
Very good company used my card abroad the exchange rate was good at the time of travel. Have recommended starling bank to family.
Awesome bank, innovative, interactive and easy to use
I switched from a bricks and mortar bank to Starling digital and have never looked back. Although cheques are a thing of the past I was able to deposit a cheque in the app and had access to the money in a few days.
When I had an issue with a transaction, starling resolved it quickly , efficiently and will minimal fuss, they were awesome. Customer service is first and foremost for Starling. I opened a joint account with my daughter, she had her own card and I can transfer between accounts with ease. I was recommended Starling by my son
Great banking
So easy to apply. Great App and hassle-free banking! Love it!
Starling bank
I have put my holiday money in Starling bank for a few years never had a problem it always works perfectly abroad and in the UK I can highly recommend Starling bank well done and thank you very much
Great bank
Very good easy banking with every detail at your finger tips.
Money transfers to different currencies quick and easy with good exchange rates.
sufficient and simple
I’ve been very satisfied with the reliability of your online banking services. The app is user-friendly and transactions are processed quickly and efficiently.
Superb service and great exchange rates.
I have been with Starling for two years plus and I have never had any problems with the service, which is very important when you are away from home and communications are limited.
Staff are always helpful and polite
Excellent banking service
I have been with starling bank for just over 2 year, never had a problem, the app is easy to use and understand. When contacting starling bank no long waiting time excellent customer service, your query dealt with accordingly, would recommend to family and friends.
Easy money
Very easy to use and keeps you up to date
Excellent consistent service.
I find Starling easy to use, it is my go to back up when travelling both home and abroad, in fact I don’t leave home without it, it is easy to use, gives regular updates and in some countries gives a better exchange rate than my regular bank account.
Efficient and elegant
First class service and very elegant interface with the customer.
Leading the way.
Great bank, great app and never been let down. Keep doing what you do.
Best bank for sure for me
The best
Never standing still
I love this bank for its constant self reflection and improvement to keep up with the modern world. I like the way it focuses its foundations on real life and real people’s issues of today. Not boasting about stocks, shares, markets, expansions but focusing on ‘we’ve made this better for you’. Highly recommended for security and ease of use.
So easy
The easiest bank I’ve ever used. In the very few times I’ve needed help, help has been available, speedy and easy to access. Many updates and information provided to make it’s use easy, so many features such as exchange rates. Just brilliant!
Brilliant Starling
I love Starling haven’t be with them long but I think there great! Great app easy to navigate brilliant for when you go abroad love it
So Easy to use
I was sceptical about not having an account with a bank without branches. However, Starling is so easy to use & navigate that it’s not an issue at all. I love my account with the Saving Spaces & also happy with the interest received monthly
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.