Starling Bank - Mobile Banking 4+

Changing banking for good


    • Free



Forget everything you know about banking.

Our personal, business and joint accounts make managing your money as seamless, simple and satisfying as it should be in 2024.

Open a bank account online in minutes - for free - from your phone, and join the millions who have already discovered the better way to bank.

What’s in it for you?

Earn interest on your money with our free current accounts

• Earn 3.25% AER / 3.19% Gross (variable) interest on balances up to £5,000 for personal and joint accounts.
• Interest is calculated daily and paid monthly.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if
interest was paid and compounded once each year. Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

No overseas fees

• We won’t charge you a penny for using your card abroad, or for withdrawing cash at an ATM.
• We’ll give you the Mastercard exchange rate, and won’t add anything on top.
• Get notifications in the local currency, and in GBP.

Better budgeting

• Use Spaces to set money aside in a virtual change jar. Personalise with pictures, set a target, and track your progress.
• Get instant payment notifications and track your balance in real-time
• Learn where your money goes, and how to make savings, with Spending Insights
• Use Bills Manager to set aside money for your bills. It means your main balance will only show you what’s actually available for day-to-day spending.
• Save on autopilot - automatically round up payments to the nearest pound and put away the spare change.
• Connect to other money management tools through Starling Marketplace, such as PensionBee and Wealthify.

Pay and get paid seamlessly

• Owed money? Send a simple link to get paid back.
• Enjoy easy international transfers to 37 countries from your app – no hidden fees or exchange rate markups
• Pay people instantly in-app – no fiddly card reader needed
• Deposit cheques digitally from your phone and pay in cash at the Post Office.

Keep your money safe

• Your money’s covered up to £85,000 by the Financial Services Compensation Scheme
• With 24/7 in-app support from real humans in the UK, we’re always here to help
• Lock your card in-app and turn settings on and off, such as contactless, online, gambling and swipe payments

Business banking

No monthly fees. Get mobile and web banking access, 24/7 support and simplified accounting. Deposit cash at the Post Office from as little as £3, and deposit cheques in-app by taking a photo. Automate your expenses, ring-fence money for bills, keep track of invoices with instant payment notifications and spot where your business is spending with smart analytics. Voted Best Business Banking Provider 2023.

The joint bank account

Manage collective household expenses or save up for something big together; our joint account simplifies shared spending. Get instant payment notifications, earn interest, track your spending with Insights, save up together and make important payments from one account.

Banking for the whole family, all in one app

Kite is our free debit card and app for 6-15 year olds. It’s built seamlessly into the adult’s Starling account (personal or joint) for better visibility and control.

Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 5th Floor, London Fruit and Wool Exchange, 1 Duval Square, London, E1 6PW.

We’re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

What’s New

Version 3.54.0

Did you know you can turn off and on certain features of your card? In the Cards section, under ‘Card controls’, you can choose to turn off or on contactless payments, gambling payments, cash machine withdrawals and more.

P.S. To keep the Starling app running properly and securely, we'll stop supporting devices running iOS 12 in early 2025. Please update your device to the latest iOS version.

Ratings and Reviews

4.9 out of 5
504.3K Ratings

504.3K Ratings

Thatenglishfellow ,

The best online bank ever. Seriously.

OK, that sounded a bit gushy, but I currently have over 10 different online accounts - including with most of the high street banks. None are better than Starling, and many are absolutely atrocious. Starling works - very well. You WILL be impressed. It's as instant as you can get, has every feature you need, and none that you don't. I also love getting the real international exchange rate when using it abroad without any nasty loading or fees. If you can live without meaningful credit interest on your current account, get a Starling account. You'll be glad you did. There are still improvements to be made: there needs to be the facility to add your own spending categories, as the standard ones are too limited and leave out some important ones like ‘healthcare’. At the moment that would come under ‘lifestyle’ which is way too broad to be useful. It would also be great to be able to see previous month’s spending totals as well as view all transactions in a particular category without having to sift through all your transactions. It would also be useful to be able to set up payments from the savings spaces - so you can have one for bills, one for fun, etc. The ability to have a card linked to one is great, but it is too limited in functionality so I still need a separate non-Starling bank account to budget for and limit leisure spending due to the limited ways you can make payments from them. All in all, a brilliant bank account though.

Developer Response ,

Hi there, thanks for this lovely review. We're so happy to hear you're loving having spending in real time and no fees abroad. We'll raise feedback to our products team about the ability to create categories, having payments from Spaces and having a bigger functionality. Team Starling

Seamaster600 ,

Utterly Brilliant

I’m not really a review writer, but for Starling I’ll make an exception. What a brilliant app, and what a brilliant bank. It’s really nice to have my (small amount of) money with a bank that has: 1, an app that is joyous to use and 2, appear to work in an ethical and considered manner. I love the Spaces feature for divvying up your savings into separate holdings, allowing you to set goals for as many items as you want to save for. A couple of things could be improved, for example when exporting a statement you get a total balance that totals all your goals and ‘main’ balance. These are shown separately in the app but under one ‘account’ on the PDF statements. Very minor issue though, to be fair. I hope they release a credit card, and I hope it offers a perk like cash back. Time will tell. Get the app, switch your account, and get banking with Starling. You won’t regret it.

One final thing, and I know I’ve raised it lots with Starling (and it’s one of their top requested features as far as I know), is that the joint account card should be noticeably different to the personal account card. I have to mark my joint account card with a Sharpie. Which is hardly very cool. Starling say they’re aware customers want this, have been aware for some time, but continue to do nothing about it. I ask: how hard can it be? They designed a kite card so why not a joint card?Monese manage it perfectly (their joint account cards are fab).

Developer Response ,

Hi there, thanks for your review. We're happy to hear you're enjoying the app, specifically Spaces to help you save. We'll raise feedback about Spaces being included in statements and offering a credit card. We already have an online banking feature which you can log into online, but you'll need your app on your phone to do so for security. Team Starling

Andrewf554 ,

Works seamlessly as an Internet bank. Tho’ room for improvement.

Have had Starling personal & joint accounts for a few years now, and it works wonderfully. Payments are instant, user-interface is consistent and clear. The “saving spaces” feature is pretty good (though that’s one thing that I think could be improved). As a bank, I’m very, very happy with Starling.

What could be improved: the Saving Spaces (sub accounts) are not integrated properly into the payment analysis feature. Payments to and from spaces (and from spaces to payees) are ‘invisible’ to the payment analysis features, which limits their use. Also joint account Spaces cannot have their own debit card(s). That would be a very useful feature for household management (and for letting kids have a debit card).

Potential improvements: Spaces should be able to designated as “Sub-Accounts” with a spending category, so movements to and from them are counted as credits and debits to the main balance (useful for planing for a wedding, or large project); or as “Budgets”, for which movements would be transparent, but payments from them would count against spending analysis on the main account (useful for budgeting everyday expenses). Also, every Space should get its own virtual Debit Card, for use in Apple Pay. And spending transactions should be able to be moved into a budgeting space retrospectively.

Developer Response ,

Hi there,

Thanks so much for the review and feedback. We're delighted to hear Starling is working so well for you, and you're happy overall. We also really appreciate the detailed suggestions around Spaces. We've raised them with our team for you, so they can look into this in more detail for the future. Keep an eye out for any improvements!

Many thanks,

Team Starling

App Privacy

The developer, STARLING BANK LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics
  • Other Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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