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).

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 1st of 30 providers reviewed.

Customer happiness score 83.69%
Customer trust score 75.33%
Complaints performance 64.7%
Transparency rating 76.29%
Fairer Finance score
Reviewed Autumn 2023
75%
Happiest customers
Most recommended
Clearest communications
Best digital experience
Gold ribbon: first place

Savings Accounts

Ranked 23rd of 53 providers reviewed.

Customer happiness score 75%
Customer trust score 68.18%
Complaints performance 64.78%
Transparency rating 60.13%
Fairer Finance score
Reviewed Autumn 2023
67%

Bank accounts

Current accounts

Starling Bank

Personal Current Account

5 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

4 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%

Children's Accounts

Children's Prepaid Cards

Minimum Age i 6
Maximum Age i 15
Monthly Fee i £0.00
Saving Goals i
Set Chores i
Interest Rate (AER) First Tier i
Maximum Balance First Tier of Interest Covers i
Interest Rate (AER) Second Tier i
Maximum Balance Second Tier of Interest Covers i
Interest Rate (AER) Third Tier i
Maximum Balance Third Tier of Interest Covers i
Maximum Cash Withdrawal i £100.00
How many children can have accounts? i 6
Rewards i
Additional information i Parents already need to be a Starling account holder to order and use Kite. Easy for parents to manage from their existing mobile banking app.
Cash Transaction Fee i 0%
Cash Withdrawal Fee i £0.00
Loading Fee i £0.00
Card Delivery Fee i £0.00
Replacement Card Fee i £5.00
Additional Fees i
Foreign Cash Withdrawal Fee i 0.00%
Foreign Transaction Fee i 0%
Ability to freeze or report a card lost via app? i

Savings Accounts

1 Year Fixed Rate Accounts

Starling Bank

1-Year Fixed Saver

Interest Rate (AER) i 4.48%
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 i