Tell us what you think of this provider.
Happy to have our Starling Card
With family abroad whom we visit regularly we find our Starling Card invaluable.
Simply the best .
Easy to access and squirrels money away is easy. Helpful tips and information adds to benefits.
Super Starling
I only opened my account this year,it has been like a breath of fresh air compered to other accounts I still have.Everything is so straight forward and so easy to use online,and the interest you get on not a large amount puts the other so called big banks to shame,thank you Startling.
Is there a better bank – NO, there is not !
They have whatever you need – I have two business and one joint account with Starling – fantastic service. App is so easy – the ability to spend overseas with no commission is great too !
All I wish is that they would introduce a Business Saver Account – hint, hint
Best bank
Went to starling after being a loyal customer of HSBC I felt the time had come to show the same respect for them as they did me…. None … starling are a brilliant bank
Excellent Current Account.
Avoids paying foreign currency transaction fees.
Good rate of interest for a current account.
Ease of registering and using the App.
My favourite bank.
So easy to use, instantly updates balance, excellent when using abroad. The best bank I use.
Best by far
Love Starling, it’s easy to use. They have great checks to ensure the safety of your money.
Starling Bank is a world leader in international banking
Easy app, quick to transfer funds accross other banks, no international fees.
Clear and Simple
Straightforward banking
Currency rates
Excellent euros rates no other bank can match easy to use and a comprehensive break down of spending on app no charge as well if paying with local currency .
Look after me well
Great bank don’t be afraid of the online aspect , as if like me sometimes only a person will do there is always someone very professional and pleasant at the end of a telephone
Simple
The app is easy to use, the advice sent through is informative and I feel completely in charge of my finances
Best bank by far
Brilliant app, good backup, easy to use, what else do you need ?
Could do with a 6 digit passcode though !
World leading bank@Starling bank
This is one of the best bank in the world. No or little international fees on Forex.
Great Bank
I’m really glad that I moved over to Starling Bank. I find the App really easy to use.
Great service
Starling offers everything you could ever want in a “Bank” unlike the big banks who are only interested in relieving us of our hard earned money
So easy to use and manage my money
The best online bank I have ever used …….ever
Always been straight with me
I’ve been with Starling since 2018 and have always found them to be helpful and professional
Notifications every time I spend, brilliant idea…
It’s not my main bank, but it’s wonderful, from saving spaces and notifications every time I use my card…other banks should all do that, because sometimes I don’t check my main account every day, then I missed an unauthorised payment, luckily I still got it refunded.
Starling is brilliant for spending when on holiday as there are no hidden charges as long as you spend in the local currency.
Saving spaces let’s me save towards winter energy bills, so I earn the interest on my money, not the energy companies, especially as some people get 100s of pounds in credit with energy companies.
Simple savings with Starling…
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.