Starling Bank is a digital bank

Yes

Yes

Yes

Yes

help@starlingbank.com

English

Neobank

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

GBR

FCA

No

Yes

Yes

Yes

Yes

Yes

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

0 GBP

0 GBP

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.

GBR

20

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

2%

EUR, USD

When you activate Flux, get instant access to dozens of cashback offers from 15-50% off.

Personal overdrafts:

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 overdrafts:

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.