Forget everything you know about banking.

Our personal, business and joint accounts make managing your money as seamless, simple and satisfying as it should be in 2024.

Open a bank account online in minutes - for free - from your phone, and join the millions who have already discovered the better way to bank.

What’s in it for you?

Earn interest on your money with our free current accounts

• Earn 3.25% AER / 3.19% Gross (variable) interest on balances up to £5,000 for personal and joint accounts.

• Interest is calculated daily and paid monthly.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

No overseas fees

• We won’t charge you a penny for using your card abroad, or for withdrawing cash at an ATM.

• We’ll give you the Mastercard exchange rate, and won’t add anything on top.

• Get notifications in the local currency, and in GBP.

Better budgeting

• Use Spaces to set money aside in a virtual change jar. Personalise with pictures, set a target, and track your progress.

• Get instant payment notifications and track your balance in real-time.

• Learn where your money goes, and how to make savings, with Spending Insights.

• Use Bills Manager to set aside money for your bills. It means your main balance will only show you what’s actually available for day-to-day spending.

• Save on autopilot - automatically round up payments to the nearest pound and put away the spare change.

• Connect to other money management tools through Starling Marketplace, such as PensionBee and Wealthify.

Pay and get paid seamlessly

• Owed money? Send a simple link to get paid back.

• Enjoy easy international transfers to 37 countries from your app – no hidden fees or exchange rate markups.

• Pay people instantly in-app – no fiddly card reader needed.

• Deposit cheques digitally from your phone and pay in cash at the Post Office.

Keep your money safe

• Your money’s covered up to £85,000 by the Financial Services Compensation Scheme.

• With 24/7 in-app support from real humans in the UK, we’re always here to help.

• Lock your card in-app and turn settings on and off, such as contactless, online, gambling and swipe payments.

Business banking

No monthly fees. Get mobile and web banking access, 24/7 support and simplified accounting. Deposit cash at the Post Office from as little as £3, and deposit cheques in-app by taking a photo. Automate your expenses, ring-fence money for bills, keep track of invoices with instant payment notifications and spot where your business is spending with smart analytics. Voted Best Business Banking Provider 2023.

The joint bank account

Manage collective household expenses or save up for something big together; our joint account simplifies shared spending. Get instant payment notifications, earn interest, track your spending with Insights, save up together and make important payments from one account.

Banking for the whole family, all in one app

Kite is our free debit card and app for 6-15 year olds. It’s built seamlessly into the adult’s Starling account (personal or joint) for better visibility and control.

Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 5th Floor, London Fruit and Wool Exchange, 1 Duval Square, London, E1 6PW.

We’re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

Introduction

Starling Bank is a UK-based digital bank that offers a range of mobile banking services, including current accounts, savings accounts, and lending products. Founded in 2014, Starling Bank has quickly become one of the most popular mobile banks in the UK, with over 2 million customers.

Key Features

Starling Bank's mobile banking app is designed to be user-friendly and convenient. Some of the key features of the app include:

* Real-time balance and transaction updates: Customers can view their account balance and recent transactions in real-time.

* Spending insights: The app provides users with insights into their spending habits, helping them to budget and save money.

* Instant payments: Customers can send and receive payments instantly using the app's Faster Payments service.

* Card controls: Customers can freeze or unfreeze their debit card, set spending limits, and report lost or stolen cards through the app.

* 24/7 customer support: Starling Bank offers 24/7 customer support via live chat, email, and phone.

Accounts and Products

Starling Bank offers a range of accounts and products, including:

* Current accounts: Starling Bank's current accounts come with a contactless debit card, free ATM withdrawals, and unlimited spending on foreign currency.

* Savings accounts: Starling Bank's savings accounts offer competitive interest rates and allow customers to save money for a variety of goals.

* Lending products: Starling Bank offers a range of lending products, including personal loans, overdrafts, and business loans.

Security

Starling Bank takes security seriously and has implemented a number of measures to protect its customers' money and data. These measures include:

* Strong encryption: Starling Bank uses strong encryption to protect customers' data in transit and at rest.

* Two-factor authentication: Customers are required to use two-factor authentication to log in to their accounts.

* Fraud protection: Starling Bank has a dedicated fraud protection team that monitors accounts for suspicious activity.

Fees and Charges

Starling Bank's current accounts are free to open and maintain. There are no fees for ATM withdrawals, contactless payments, or foreign currency spending. However, there are some fees for certain services, such as overdrafts and international transfers.

Customer Reviews

Starling Bank has received positive reviews from customers. Customers praise the bank's user-friendly app, excellent customer service, and competitive interest rates.

Conclusion

Starling Bank is a leading mobile bank that offers a range of innovative and convenient banking services. The bank's mobile banking app is easy to use and provides customers with a wide range of features, including real-time balance updates, spending insights, and instant payments. Starling Bank also offers a range of accounts and products, including current accounts, savings accounts, and lending products. The bank takes security seriously and has implemented a number of measures to protect its customers' money and data. Starling Bank's current accounts are free to open and maintain, and there are no fees for ATM withdrawals, contactless payments, or foreign currency spending. Overall, Starling Bank is a great option for anyone looking for a convenient and affordable mobile banking experience.