Tell us what you think of this provider.
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
Fantastic bank
Sterling Bank solves your problem soon and they have great customer service thanks
Superb Bank
Great bank and great customer services.
Modern app with strong security features and easily navigable. Totally recommend.
Excellence
What banking should be
Easy banking
Starling is so easy to use
Easy to use
The online app is easy to use, very clear and the app keeps you informed when money is due out and notifies you when money is paid in.
Customer focussed bank.
Low or no charges. Great customer service. User-friendly mobile app. Very happy banking experience all round.
Solid banking
Fantastic banking
They protect us against the scammers
Good in noticing me
Top of the game
For the first time in my life I am in control of my finances. Being able to have a separate space for my bill direct debits is just great. I now know just what amount I can spend without worry.
1 yr with Starling
up to now I cant fault them + there banking app is really good and easy to use, I wouldn’t hesitate to recommend them to other people.
Excellent bank with innovative ideas
So happy with Starling bank, always coming up with new ideas.
Trustworthy, efficient and simple to use
So many online banks are not secure or treat you as a human ! The app itself is straightforward to use and best of all I can talk to a HUMAN if I need to …
The best experience of online banking.
I cannot fault Starling for their online banking facilities and well designed App which is easy to use. However, I do feel a sense of vulnerability, should the need arise, when I need to contact someone to discuss an urgent banking matter which cannot be resolved online.
Easy Banking
Banking made easy.
App simple to use and plenty of tips and advice given!
Quick to transfer money and no fees abroad!
Customer service good and communication and problem solving quick and efficient!
First time of using a purely online bank and would recommend! Thank you!
Excellent Online Bank
Initially started with Starling Bank to use card abroad. Now use it in Britain every other day and it is so handy. The Bank is also very good updating customers about account changes, warning about scams, etc. Have recommended Bank to others also.
Easy app
Internet banking in sterling or euros
Excellent all round
Don’t waste any more time with your present bank change to starling it’s going to save you alot of money throughout the year .
Great all rounder
Totally impressed by the efficiency and workability of the account and the App is so easy to navigate around !
All round good job
Fantastic service !
Starling are the best , the bank makes it easy for any transactions , simple to use , pay great monthly interest , the app easy to use , instant access with good notifications . A very happy customer !
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’s cash ISA may be convenient but you can get better rates elsewhere
Starling Bank’s Cash ISA currently only pays 2.5% AER, which is over 1% below the Bank of England base rate. If you are looking for better returns on your savings we’ve put together a list of Starling Cash ISA alternatives. Important note: Cash ISAs are generally a good way to tuck money away in the
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.