Tell us what you think of this provider.
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
Reliable
Easy to use. Panic about anything technical, including phone banking and things to do with computers. They have been very helpful and made me feel at ease.
Easy lifestyle
Absolutely love this so easy to work especially when you have all friends using the app too. Love love love this.
Recommend Starling
Our daughters got us using Starling and have been really pleased. Once we’d navigated the app it’s been plain sailing. Lovely, clear text, can see balance at a glance and easy to transfer money to other and between accounts. Really like the ‘saving spaces’ and the fact that it rounds up odd money. Interest is great too!
Great to bank with.
Only one complaint would like to see a running total after each transaction. If this can be done and it is just me who doesn’t know how to do it, I apologise and you can have your other star.
Excellent bank
I’m live in 18 years, but this bank is great.
Great
Found it great for buying my euros when the price is right
Simple to use
Easy to manage and great to use abroad.
Easy to use
Saving for credit card bills is great. Especially as the money I’m saving earns interest.
A loyal customer review
excellent bank to deal with , great exchange rate when using the starling card abroad. easy to use and without any problem. All my family members use starling card and we recommend it to our friends . we are truly glad to be a customer of Starling Bank
No issues at all
Excellent work
Easy to use
Easy to use
Excellent
Never really had an issue and so easy to use the app, contacting them by phone was easy and resolved quickly.
Overall Excellent Experience
Best information
They have always given very sound advice and helped us to make the right decisions.
Fantastic!!
Best bank I have ever used and so easy to access, it even lets you know when you are due to receive payments and notifies you when you are due a payment out!!
Easy to use
Great service
Excellent
Totally reliable, love the notifications to keep me informed with time to effect transfers when needed. Far superior to any other banking service I’ve experienced.
Best and easiest bank I have ever dealt with
The banking app is so easy to use and navigate best financial decision 👌 I have ever made
Happy to have our Starling Card
With family abroad whom we visit regularly we find our Starling Card invaluable.
Consistently solid
Good customer service, easy to use, clear, problem free. Like it a lot.
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.