Starling Bank

Founded in 2014, Starling Bank is a digital, mobile-only challenger bank based in London.

Starling Bank was founded by Anne Boden (ex-COO of Allied Irish Bank) who remains the CEO today.

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.

Starling Bank
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Gold ribbon: first place

Bank accounts

Ranked 2nd of 31 providers reviewed.

Customer happiness 82.62%
Customer trust 75.94%
Complaints performance 67.22%
Transparency rating 74.25%
Fairer Finance score
Reviewed Spring 2023
75%
Gold ribbon: first place

Savings Accounts

Ranked 19th of 53 providers reviewed.

Customer happiness 72.86%
Customer trust 70.71%
Complaints performance 67.21%
Transparency rating 59.68%
Fairer Finance score
Reviewed Spring 2023
68%

Bank accounts

Current accounts

Starling Bank

Personal Current Account

4 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £300.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Foreign use bank accounts

Starling Bank

Personal Current Account

5 stars
Foreign cash withdrawal fee i 0%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i Unlimited

Overdrafts

Starling Bank

Personal Current Account

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 15%

Savings Accounts

1 Year Fixed Rate Accounts

Starling Bank

1-Year Fixed Saver

Interest Rate (AER) i 3.25%
Minimum Opening Balance i £2,000.00
What happens at maturity? i The provider will contact you before the account matures. The money will be transferred into a linked or nominated account unless you instruct them otherwise.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i