Founded in 2014, Starling is a digital, mobile-only challenger bank based in London.Starling was founded by Anne Boden (ex-COO of Allied Irish Bank).It offers a range of financial products such as a current account for personal use and one for businesses, and personal loans.Whilst it might not have branches itself, it has a partnership with the Post Office to allow customers to deposit cash.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Bank accounts

5 products reviewed

Current accounts

1 product reviewed

Starling

Personal Current Account

Feature Value
Annual fee
£0.00
Maximum cash machine withdrawal per day
£300.00
Part of FSCS Yes
PayPoint Deposits No
Card payment fee (£)
£0.00
Monthly Fee
£0.00
Debit Cards

1 product reviewed

Starling

Personal Current Account

Feature Value
Card payment fee (£)
£0.00
Debit card? Yes
Maximum cash machine withdrawal per day
£300.00
Number of Free Replacement Cards
1
Account Type
Current
Monthly Fee
£0.00
Digital Accounts

1 product reviewed

Starling

Personal Current Account

Feature Value
Annual fee
£0.00
Part of FSCS Yes
App Rating
4.85
Card payment fee (£)
£0.00
Maximum cash machine withdrawal per day
£300.00
Monthly Fee
£0.00
Foreign use bank accounts

1 product reviewed

Starling

Personal Current Account

Feature Value
Foreign cash withdrawal fee
0%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
0%
Is there a limit on free cash withdrawals?
Unlimited
Monthly Fee
£0.00
Overdrafts

1 product reviewed

Starling

Personal Current Account

Feature Value
Risk based overdraft? Yes
Arranged overdraft interest free amount
£0.00
Arranged overdraft interest rate (representative EAR)
15%
Monthly Fee
£0.00

Business bank accounts

2 products reviewed

Payment Accounts (cashless)

1 product reviewed

Starling

Business Current Account

Feature Value
Account Fee (monthly) - first year
£0.00
Branch access? No
FSCS Protected? Yes
Arranged Overdraft Facilities No
Number of months free
0 months
Minimum Turnover
Not specified
Maximum Turnover
Not specified
Sole Trader Payment Accounts (cashless)

1 product reviewed

Starling

Business Current Account

Feature Value
Account Fee (monthly) - first year
£0.00
Branch access? No
FSCS Protected? Yes
Arranged Overdraft Facilities No
Number of months free
0 months
Minimum Turnover
Not specified
Maximum Turnover
Not specified

Children's Accounts

1 product reviewed

Children's Prepaid Cards

1 product reviewed

Starling

Kite

Feature Value
Minimum Age
6
Maximum Age
15
Monthly Fee
£0.00
Saving Goals Yes
Set Chores No
Loading Fee
£0.00
Interest Rate (AER) First Tier
N/A
Maximum Balance First Tier of Interest Covers
N/A
Interest Rate (AER) Second Tier
N/A

Savings Accounts

1 product reviewed

Easy Access Accounts

1 product reviewed

Starling

Easy Saver

Feature Value
Interest Rate (AER)
4%
Balance Tiers
4% from £0
Minimum Opening Balance
£0.00
Withdrawal Penalty
N/A
Part of FSCS Yes
Bonus Rate
Rate includes 1.46% bonus for 12 months

Savings Accounts (ISAs)

1 product reviewed

Easy Access ISAs

1 product reviewed

Starling

Cash ISA

Feature Value
Interest Rate (AER)
2.5%
Minimum Opening Balance
£1.00
Part of FSCS Yes
Withdrawal Penalty
N/A

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Bank accounts

Ranked 3rd of 23 providers reviewed


Customer happiness score 73.23%
Customer trust score 70.44%
Complaints performance 76.95%
Transparency rating 86.66%

Fairer Finance Score

Reviewed Autumn 2026

76.82%

Savings Accounts

Ranked 11th of 55 providers reviewed


Customer happiness score 74.68%
Customer trust score 75.05%
Complaints performance 76.95%
Transparency rating 72.11%

Fairer Finance Score

Reviewed Autumn 2026

74.70%