Starling Bank is a digital bank
Starling Bank takes a unique approach to traditional banking. The goal is to supply everything you need from a complete UK bank account while excluding anything you don't. With no physical branches, you can still receive money management tools, a MasterCard contactless debit card, and 24/7 customer support, low fee international money transfers and more!
Faroe Islands, GBR, USA, AUS, AUT, BAH, BEL, BUL, CAN, CYP, CZE, DMA, EST, FIN, FRA, GER, Gibraltar, GRE, HUN, ITA, LIE, LTU, LUX, MLT, Netherlands Antilles, NOR, NZL, POL, POR, SLO, SMR, SWE, LAT, IRL, ROM, IRE, SPA, NZD
FPS, Bacs, Cheque,CHAPS payments and international FX services
Personal current account: free
Additional GBP personal current account: Non-refundable 2 GBP per month (paid in advance).
Euro personal current account: free
Depositing money into your Account through the Post Office counter service:
Personal and joint customers can deposit 1,000 GBP each calendar year free of charge at the Post Office. For all deposits greater than this, Starling Bank will charge you a fee of 0.7% of the amount over 1,000 GBP that you deposit.
Cash withdrawal in GBP in the UK:
Starling will not charge a fee for withdrawing £ Sterling from ATMs in the UK or using the Post Office counter service.
Please note our cards do not work at Link cash machines.
Cash withdrawal in foreign currency outside the UK:
Starling will not charge you a fee for withdrawing cash in foreign currency outside the UK. However, the Mastercard exchange rates will apply to any such withdrawal and you may also be charged a fee by the local ATM provider.
Sending money within the UK via Faster Payments, direct debits and standing orders: 0 GBP
Sending money within the UK via CHAPS: 20 GBP for each CHAPS payment you instruct us to make.
Sending money outside of the UK (third party accounts): 0.4% transfer fee + local fees for each currency Starling support + 5.50 GBP for a SWIFT payment.
Currency transfers between your Starling accounts (e.g. GBP to EUR): 0.4% transfer fee + local fees for each currency Starling support.
Accounts are only available in GBP, EUR, USD.
But you can transfer money in: AUD, BGN, CAD, CZK, DKK, PLN, HKD, HUF, MXN, NZD, NOK, RON, SGD, ZAR, SEK, CHF, TRY
When you activate Flux, get instant access to dozens of cashback offers from 15-50% off.
Arranged overdraft (where we have agreed an overdraft facility with you in advance): Starling will charge interest at the specific interest rate confirmed and viewable to you in your app.
Unarranged overdraft (where we have not agreed an overdraft facility with you in advance): Starling will not charge a fee for having an unarranged overdraft with us.
Business current accounts: Starling will charge interest at the specific interest rate confirmed and viewable to you in your app. Interest accrues on a daily basis. Starling also charge an annual fee of the greater of: (i) 1.5% of your limit; or (ii) 50 GBP.
Sole trader accounts: Starling will charge interest at 15% AER (variable).
Business current accounts and sole trader accounts/ Euro business current accounts and euro sole trader accounts/ US dollar business current accounts: Starling charge interest at 15% EAR.
Business Loans from 25,000 GBP to 250,000 GBP.
Starling do not offer a separate savings account but we do offer interest on our personal and joint GBP accounts.
If you'd like to set aside money away from your main balance, you can create a savings space in the Spaces tab to help manage your money.
Refer a friend to Starling, and they will plant a tree.
Card price: free.
Replacement debit cards within the UK: 5 GBP
Replacement debit card overseas: 60 GBP
Certifying documents: 20 GBP
Pay on card or withdraw cash abroad anywhere, with no fees from Starling ( only third part network fees).
10,000 GBP per day
Starling personal accounts support low volume buying and selling of cryptocurrencies by bank transfer in GBP, or using their debit card. Starling do not support the purchase of crypto by bank transfer in other currencies, or the use of our business accounts for cryptocurrency trading.
Instantly up to 3 days.
Business current account or sole trader account: free
Euro business current account or euro sole trader account: 2 GBP
USD business current account: 5 GBP
Sending money within the UK via Faster Payments, direct debits and standing orders: free
Sending money within the UK via CHAPS: 20 GBP
Sending money outside of the UK (third party accounts): 0.4% transfer fee + local fees for each currency we support+ 5.50 GBP for a SWIFT payment
Currency transfers between your Starling accounts (e.g. GBP to EUR): 0.4% transfer fee + local fees for each currency we support
Depositing money into your Account through the Post Office counter service: (i) 3 GBP; or (ii) 0.7% of the amount deposited, whichever fee is higher.
Cash withdrawal in GBP in the UK:
Post Office counter service: 0.50 GBP per withdrawal.
Cash withdrawal in foreign currency outside the UK: free + the Mastercard exchange rates will apply to any such withdrawal and you may also be charged a fee by the local ATM provider.
Receiving money into your account from the UK: Free
Receiving money into your account from outside the UK / other currencies: free in EUR and GBP, another currencies - 2%
Totally It Is An Amazing Bank And I Don’t Think I Need Anything More From Starling, They Provide Everything. Very Quick And Easy They Helped Me To Manage My Company Account To Have This Perfect And Trustable Alliance. I Really Appreciate That!
starling is really nice and simple. easily you can create the transfer from your business or private account and also it is perfect in case of transferring from your old bank with all your direct debits and necessary needs. the feature that i love in starling is that i can save in spaces for my tax. vat. i should say that because it is separate from all background accounts, surely nobody gonna fritter it away. i bought the new apartment with my saving after some time. i believe that starling is real freedom!
bad day with starling, until now never i had any issues with this platform and always i was enjoying its services , however today starling did not accept the cheque because it was written in my name as a business account so surely it will not match my account name so i had a so many issues and struggling to get the payment. i should say that it is not very well and actually there is no any tools for me to use in this regard. please solve this issue somehow as fast as possible.
This bank is great and provides perfect services. Sometimes they are confusing users by some mistakes I can say; the withdrawal and deposit number showed as a positive with a plus symbol. However, I believe that starling can get better and better. Thank you for good services!
for me the support team SURPRISINGLY was PERFECT, FAST, AND PROFESSIONAL, they managed my questions NICELY!!!!
IT IS NOT EASY TO USE THE APP AND THERE ARE SOME COMPLICATIONS. ALSO PAYMENTS TAKE AGES.
As soon as you can get your card, ready and starting to work with this app, you will understand how many it is easy to use and a wonderful online bank. Thank you StarlingBank!
The process for opening a business account took soooooooo long and there were no clear reasons for it, i should admit that the cs is amazing and helpful.
Definitely, i want to recommend starling, it is fascinating. my family before using starling and i should say that i was skeptical. but later i wanted to have a joint account with my partner and we used starling, it was surprisingly easy and simple. the customer service is amazing and friendly. i believe this is a new world for finance and banking services.
I believe the security options should get lower because it is sometimes annoying, in general, it is a wonderful app with nice services, thanks...