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% |