Starling Bank

Starling in-depth review, useful information and user opinions

Starling Bank
Reader Rating349 Votes

Winning Britain’s Best Bank 2019, Starling is arguably amongst the biggest and most well-known challenger banks.

Starling’s vision is to ‘create a better bank for everyone’. Is this a bank to consider for your new current account?

First Glance

It’s clear that Starling are proud of what they’ve achieved. They have, in their own words, ‘built a new bank from scratch’. That kind of start, with today’s technology, has given them the chance to design exactly what customers need.

Have they seized their opportunity, or does Starling’s offering fall flat?

Here’s a guide, at a glance, to banking with Starling. Read on for a more detailed review.


  • App-based banking with a variety of money management features
  • Interest on your current account balance
  • Overdrafts and loans to apply for in-app
  • Suitable for overseas spending and international transfers
  • Joint and euro accounts available
  • 24/7 live chat support


  • No branches or browser-based banking
  • Cheques can take over a week to be added to your bank account balance
  • Cash deposits can only be made at branches of the Post Office

What is Starling?

Starling is a challenger bank, founded in 2014. 2016 saw the first Starling bank accounts in action, with the official launch (and Starling’s app) in early 2017.

Since its launch, Starling has been aiming to innovate. It was, for example, the first UK bank to enable Apple Pay from within its mobile app. This means that customers can use their account, even making payments, before their card arrives through the mail. Android mobile wallet support followed in late 2017.

Starling was also the first digital bank account to join the Current Account Switching Service.

Banking. But Better.


Starling bank accounts are entirely managed through the app. Customers receive a contactless Mastercard debit card. You must use a smartphone to manage your money, with no alternative way to access online banking facilities.

With access to the banking app, users can make use of a range of features including savings goals, real-time banking notifications and personalised spending reports.

Who is Starling for?

With Starling aiming to ‘create a better bank for everyone’, how do their offerings measure up?

For a start, Starling customers receive a full UK current account. But, with the option to hold money in Euros and to send and receive them with no fee, a Starling account may also be useful for European students and frequent travellers.

Starling is certainly a feature-packed bank with a lot to appeal to those that carry a smartphone everywhere. But, with no branches and no alternative to using Starling’s app, anyone that isn’t a heavy smartphone user may not find this bank to be suitable.

Unlike some other challenger banks, Starling does provide options for paying in cash and cheques. But, your options are limited. You’ll need to visit your local Post Office to make your cash deposit, whilst cheques will need to be mailed to a Freepost address. Neither cost anything as a personal current account holder, but you may find the process inconvenient. Cheques take five working days to clear, once they’ve been received by Starling.

There are no monthly fees for banking with Starling and no charges for everyday banking. Starling is also one of the few challenger banks to offer interest as standard on its current accounts.

For those that like a lot of financial control, along with spending insights and budgeting tools, Starling may be a strong contender. If you expect to regularly receive cash and cheques, or if you are someone that likes banking online from a computer rather than a smartphone, then this mobile bank may not suit your needs.

How does Starling work?

You can open a Starling account by downloading the app to your Android or iOS device. You’ll need ID in the form of a driving license, passport, UK Residence Card or EU ID Card. You may also be asked for proof of address, such as a utility bill, council tax letter or a statement from another UK bank.

Opening your Starling account also requires you to provide a video selfie, and to go through a soft credit check.

Your Starling account is a full UK current account complete with interest payments, an account number and a sort code. You can receive incoming payments as soon as your account is set up, and make outgoing payments once your Mastercard arrives in the mail. You can also choose to connect immediately to Apple Pay or Google Pay, for online and contactless payments even before your card arrives.

If you’d like a Starling euro account, you will still need to apply for a UK current account initially. Once this is up and running, use your Starling app to add a euro account to your collection.

What features do you get with a Starling account?

Starling bank accounts the following features:

Interest Payments

Starling pays interest of 0.5% AER on balances up to £2,000, with a lower interest rate on further funds up to £85,000.

Real-Time Banking Notifications

When you send, spend or receive money, Starling will alert you with an instant smartphone notification.


Set money aside, attaching funds to Goals that can help you to save for the things that you want to buy.

Control Your Card

If you’ve misplaced your card temporarily, you can use in-app controls to lock it. This stops your card from being used by other people until you’re sure that it’s still in your possession. You also have the option to stop certain types of transactions, for more control of your money.

Spending and Budgeting Tools

With Starling, spending insights show you how and where you’re spending your money. Use categories and budgeting tools to see how your money is used, and potentially where you can cut back.

Round-Up Savings

Whenever you spend on your card, Starling can round your transaction to the nearest £1. The additional money can be moved to one of your savings Goals.

Bill Splitting

Split any transaction with your contacts. Select the people that owe you money for their portion of the payment, and monitor their repayments in-app. Incoming payments can be matched against their debts so that you’re notified when friends have settled up.

Euro Accounts

Receive, store and send money in Euro currency. Euro accounts are an optional extra available to existing holders of Starling current accounts.

Overseas Spending

You can withdraw funds from your Starling account with no additional fees at international ATMs. You can also use your debit card to make fee-free payments wherever Mastercard is accepted.

International Transfers

Using the Starling app, you can transfer funds to almost 40 countries. Payments are made using SWIFT facilities, going bank-to-bank almost instantly, and can be made in 20 different currencies with low fees and competitive exchange rates.

What packages does Starling offer?

Starling accounts are free of charge to set up and use. There is only one personal UK current account available, with all of Starling’s features included.

    Why are you visiting today?

    Once you’ve set up a Starling account, you will also have the option to add a secondary euro account. This allows you to store money in Euro currency, as well as receiving and making payments in Euros.

    Are there any additional charges?

    There are no charges for using a UK Starling account. If you use the euro account, you will need to pay a 0.4% fee for conversions between the two accounts.

    How safe is Starling?

    Starling is a regulated bank. It received its banking license in 2016 and is regulated and monitored by both the Prudential Regulation Authority and Financial Conduct Authority.

    Up to £85,000 is protected, per customer, as part of the Financial Services Compensation Scheme (FSCS).

    Within the app, you can also reduce your risk with security features including transaction limitations and card freezing.

    What about customer service?

    There are no Starling bank branches. But, their customer support teams are available 24/7.

    You can use the in-app live chat for queries and questions, or the Live Chat feature on their website.

    Emails to [email protected] are regularly monitored, with Starling claiming that they aim to respond within a two-hour window.

    A Starling phone number (0800 0234 617) is only available for lost and stolen card emergencies.

    Could Starling replace your existing bank account?

    As a full UK bank account with a Mastercard debit card, account number and sort code, Starling is fully functional. You can deposit funds, make ATM withdrawals and set up Direct Debits and Standing Orders. You can also receive incoming payments, including your regular salary.

    For an easy transition from an existing account to Starling, you are able to use the Current Account Switch Service (CASS).

    You will need a relatively modern Android or iOS smartphone in order to use your Starling account. Also, bear in mind that there are no Starling branches. You’ll need to visit your local Post Office if you want to make any cash deposits.

    Starling: The Verdict

    It’s easy to see how Starling has become an award-winning challenger bank. In fact, its founder, Anne Boden, has been awarded an MBE for services to fintech. The Starling current account is a strong feature-packed offering, with money management tools and even interest on your balance, though the amount is nothing to write home about.

    Starling have shown themselves to be innovative, without coming up with too many novelties that exist for fun rather than function. And, for people that want a smartphone bank, this is probably a very good option.

    Despite this, Starling’s lack of branches may alienate certain sections of society. Cheques can take far more than a week to process, including the time spent travelling through Royal Mail’s system and an estimated five days to clear. Meanwhile, cash deposits (whilst free) involve a visit to the Post Office.

    If you’re a regular traveller, a secondary euro account may be a very handy thing to have. You can take advantage of exchange rates, transferring money and receiving it in EUR instead of GBP. Starling also supports international payments in 20 different currencies.

    If you plan to make Starling your everyday bank account, then it’s worth bearing in mind that they offer no online banking option. You’ll be unable to manage your money without your smartphone to hand.

    If you’re ever the type of person to let your phone battery run out, then a Starling bank account may not be the right one for you. That said, with fee-free cash deposits and a range of useful budgeting tools, Starling could be considered more accessible than some other modern challenger banks.

    More about Starling

    Starling is an online-only bank that aims to challenge the way people see banking and make it easier for everyone. Founded in 2014 by Anne Boden, the pioneer of the Same Day Bank Transfer Service that revolutionised the way people handled their finances, the bank is based in London.

    Starling Bank focuses on one product only – a mobile-only bank account that the management team are aiming to make the best in the world.

    Founded in 2014, Starling Bank is a mobile-only digital bank based in London. Founder and CEO Ann Boden had a three-decade career in finance before deciding banking was ‘fundamentally broken’ and built Starling entirely from scratch. Starling received its banking licence from the Financial Conduct Authority in July 2016.

    Starling is what is known as a ‘challenger bank’, a relatively small enterprise set up with the intention of competing with long-established, larger national banks. There are no physical branches, and no web portal; all banking is done via the Starling mobile app, available for devices running both Android and iOS. It was recently announced (August 2018) that Starling are to provide payment services for a new RBS/Natwest digital venture.

    Starling Bank Products and Services

    Currently, Starling offers personal, joint and business accounts with eligible deposits of up to £85,000 protected by the Financial Services Compensation Scheme (FSCS). Customers looking to open a joint account must first open a personal account, although this is not required for business customers.

    Starling customers can pay for products and services using Apple Pay, Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay. Indeed, Starling claims to be the first bank in the country to offer in-app provisioning for Apple Pay customers, who are able to add cards to their Apple Wallet using the in-app Card Management screen.

    The Starling banking app allows customers to instantly set up and make payments and set up and manage standing orders or direct debits. Accounts have their own sort codes and customers are able to earn interest on their balance. Account balances are updated in real-time.

    Starling customers receive a contactless Mastercard debit card, which can be used both online and in-person to purchase products and services.

    Starling’s Security

    Starling has several security features designed to guard against fraudulent activity. On signup, customers are asked to provide both an identity document and a short video confirming their intention to open an account –  these measures are aimed at preventing identity fraud. The app also supports fingerprint or facial recognition security, if the device used has this functionality.

    Starling Bank is authorised by the Prudential Regulation Authority (PRA) and regulated by the Prudential Regulation Authority and Financial Conduct Authority (FCA). In the event that the bank was to become insolvent, eligible deposits made by Starling customers are protected by the FSCS up to the value of £85,000.

    Starling Contact Details

    3rd floor
    2 Finsbury Avenue
    EC2M 2PP

    Telephone: 0207 930 4450

    Email[email protected]

    Starling Bank Review
    Reader Rating349 Votes
    App-based banking with a variety of money management features
    Interest on your current account balance
    Overdrafts and loans to apply for in-app
    Suitable for overseas spending and international transfers
    Joint and euro accounts available
    24/7 live chat support
    No branches or browser-based banking
    Cheques can take over a week to be added to your bank account balance
    Cash deposits can only be made at branches of the Post Office
    Helping the UK make informed banking decisions
    1. I was a big advocate of Starling until now.
      I’ve had £852 fraudulently taken from my account. I followed all the necessary processes asked in order to report this. After two and half weeks I then had a response saying it’s the banks decision not to refund?! I have never known this to happen before. You cannot speak to the card disputes department, no one can help or give any explanation as to why this decision was reached. Disgusting behaviour when they are happy to take large amounts each month from my employers. Really shocked, as are friends/colleagues who bank with them. Will be cancelling all accounts immediately as your money is not safe or insured.

    2. The review is now well out of date. You can pay in a cheque using the app using a photo which takes a couple of days to clear and they now have website based access.

    3. 4.5
      Dodgy Bank

      dreadful bank for new start up companies. They demand multiple documents that new start ups dont have. Their algerithm
      keeps asking for same documents even though you have explained.
      Staff cannot resolve anything. I’ve dealt with many banks . These are the worst. Metrobank or Tide are a much safe choice.

    4. 5
      Balanced review unbiased.

      We have been with Starling for a few months now and do not have any problems at all on all our accounts. Both Business and Personal)
      The problem that we have is other banks attitude to Starling, it is quite evident that Starling are making a big impact in the market place and there will be natural opponents to them. Keep a open mind, but the experience we have had is purely superb. A welcome change to the mundane traditional bank, the simplistic style will not suit everyone, but if you are computer or mobile friendly it is a breeze and well recommended.

    5. 0.6
      Money is not safe

      On two seperate occasions transactions have failed and the money was lost. This is absolutely unacceptable for a “Bank”.

      1. I used my debit card to withdraw some money, using an ATM, whilst travelling in Europe. The amount requested was €300. The ATM DID NOT dispense the money. Obviously the first thing I did was to call Starling. I was reassured that all was well and since the transaction was still showing as pending to wait 5 days to have the transaction reversed and if not to call back again and an investigation would take place. Needless to say that the investigation gave reason to the ATM! I lost €300 and as I type I’m left still fighting like hell to get my money back. It’s gone to the Ombudsman now and I keep my fingers crossed hoping to get vindicated. Totally devastating and scary experience. How can I possibly use any ATM machines with confidence and trust from now on using Starling? I haven’t slept well and I have been stressing out so much about this. I was robbed in plain daylight and left without money and it is totally surreal. Starling was awful in dealing with me. I sent countless of messages, made countless of phone calls and they dealt with me as if I was yet another number waiting in line with no care in the world for my money which has gone missing. They took days to answer when in my eye this demanded prompt action. Surely it would be in the interest of a bank to know that money are not being dispensed for cash withdrawal transactions or at least try to inquire about where the money went! Unless it’s convenient. Starling, if you are reading this, SHAME ON YOU.

    6. On the 8th July 2019 I had £200 stolen from my Starling Bank account in two £100 sums, minutes apart. The money was donated to a charity based in London (in a poetic way that’s kind of sweet). I was confused by this, so I contacted the charity, as I did not donate this money. The charity were very nice and said they would look into this for me.

      Th charity came back to me saying that, that very same weekend, they had received an abnormal amount of donations, much more than usual and upon trying to thank these people via email (all Hotmail accounts), each and every email got bounced back, a sure sign something was not right.

      The charity assured me that any donations received in this manner would be given back, no questions asked and their finance director got in touch with Starling Bank to confirm that the £200 received via my account was indeed fraudulent and I should be given my £200 back.

      A week or so later, and with zero contact or resolution from Starling Bank, I got my money back. Happy days.

      All was fine and then on Friday 9th August I noticed two £100 sums taken from my account from a cash machine in Melton Mowbray. This was strange as I am currently in Spain and had been for two weeks.

      I contacted Sterling and explained that I am currently in Spain and to investigate how money has been taken once more from my account. I got the usual we don’t really care, sloppy attitude, have you mistakenly forgot you withdrew the money blah blah..NO! As I keep telling you, I am in SPAIN and not in the UK!

      Sterling Bank then told me that the £200 that rightfully got returned to me was then contested, so they gave it back. Who contested the charge-back and who did it get returned to I asked? No reply.

      I therefore rang the charity and they informed me that at NO stage had they contested the charge-back and at no point had they received this money. So who contested it, it can only be the original fraudsters that stole it in the first place?

      No one at Starling Bank gives a damn. You have to constantly go over information you have already provided Starling Bank. Not one person has rang me to investigating this fraud, and no one is taking this seriously. I am the guilty party yet Starling Bank have decided to refund money to fraudsters that stole money from my account in the first place.

      You could not make this up if you tried.

      It appears that Starling Bank do not seem to have a system or team in place to investigate fraudulent activities, which in today’s climate of increasing online fraud is scary.

      I have asked Starling Bank to ring the charity to get to the bottom of this, they have yet to do so.

      Your money is NOT safe if you bank with Starling Bank and they do not take fraud seriously enough to protect you, the customer.

      I am fuming that Starling Bank have not phoned me once or got any special team in to investigate this crime, and then they refunded £200 to the fraudsters direct!! How on earth in 2019 can that happen?

      My advice, DO NOT put your hard earned money into a Starling Bank account, it is clearly not safe there.

      I am now seeking legal advice.

      My advice: Avoid Starling Bank like the plague.

    7. 0.4
      Starling gremlins prevents access to accounts...

      My brother has been using Starling on his travels and suddenly his account and card stopped working leaving him stranded. Customer has been unhelpful. You are warned!

      1. This happened to me with Clydesdale Bank. Stranded in the middle of Australia with my debit card rejected. I went to a National Australia Bank who at that time owned Clydesdale and asked for help. They denied that NAB owned Clydesdale and offered a solution. They would give me cash advance on my Clydesdale Credit Card at an exorbitant rate!!.

        I said, not on your Nelly.
        I went across the road to a different bank and surprisingly, my Debit Card worked fine.
        Back to the NAB, the ATM said no and one more attempt and we are keeping your card.
        On my return, I left the Clydesdale Bank, with a letter of disgust..

    8. Do not go with this company if you want your account shut for no reason whatsoever as far as I’m aware and then be told they can’t tell you why don’t say you wasn’t warned

    9. Really good bank. Feel safe with them and treat you really well on the customer service side of things. Great app too and instantly got an overdraft decision.

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