Hello, banking in 2021.

Apply in minutes – anywhere, anytime.

We’re on a mission to change banking for good. Voted Best British Bank, Best Banking App, Best Current Account Provider and Best Business Banking Provider at the 2021 British Bank Awards, Starling is the financial control centre that lives on your phone.

Our award-winning personal, business and joint accounts make managing your money as seamless and simple as it should be in 2021 (and we’ve got the Trustpilot rating to prove it!).

Open a mobile bank account from your phone – for free – and join over two million people who are already keeping track of their money with Starling.

What’s in it for you?

Better budgeting

• Get instant payment notifications and track your balance in real-time
• Analyse how you spend with Spending Insights
• Keep on top of your bills with 24 hours notice
• Connect to other money management tools through Starling Marketplace, such as Nutmeg and PensionBee.

Pay seamlessly

• Add a free Connected card to your account so someone can shop on your behalf
• Owed money? Send one single link to get paid back
• Enjoy easy international transfers to over 38 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.

Save effortlessly

• Set money aside in Goals while separating rent and bills from everyday spending
• Personalise your Goals with pictures to keep your eye on the prize
• Save on autopilot – we round up payments to the nearest pound and put the spare change in a Goal.

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

Want to move all your banking over? Just ask – we’ll do all the heavy lifting through the Current Account Switch Service. It takes one week and can be set up in minutes.

The business bank account
Our award-winning business bank account helps sole traders and limited companies save time and money, so they can get on doing what they love.

No monthly fees, mobile and web online banking access, 24/7 support and simplified accounting. Deposit cash at the Post Office for as little as £3 and deposit cheques digitally in-app. Automate your expenses, keep track of invoices with instant payment notifications and spot where your business is spending with smart analytics.

Starling Kite for kids
A great way for children to learn about grown-up spending and saving: our debit card for kids. Like a child bank account, Kite is built seamlessly into your Starling account (personal or joint) for better visibility and control. Kids have their own app, too.

The euro bank account
Got financial commitments overseas? Hold, send and receive euros for free with a Starling Euro account. Convert the pounds in your personal or business account into euros with a tap – and back again – at the real exchange rate. No commission, no fees, no hassle.

The joint bank account*
*Currently only available for personal account holders

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

Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP.

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 2.9.0

We’re always tinkering with the app, making sure it’s the best it can possibly be. So treat yourself to the latest version, complete with bug fixes, tweaks and improvements. Enjoy!

We will soon be dropping support for devices running iOS 9, so make sure your device runs a newer version of iOS.

Ratings and Reviews

4.9 out of 5
229.2K Ratings

229.2K 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

nonicknamesfree2019 ,

Never going back

Decided to leave Halifax after being there for over 10 years. All of the high street branches offer the same thing: no interest rates on current accounts, poor app designs and features, as well as long queues in branches (due to staff cuts) and long waits on the phone. This bank is fantastic. The app is so useable and user friendly and I learnt how to control my bank account completely very quickly. I’ve only ever had to use customer service once to query something and they were extremely helpful. MasterCard is accepted everywhere so I use it for all my spending and the card itself is a gorgeous design. Please keep the teal portrait design!!! Paying my friends and family is much simpler using this and seeing what I’m spending my money on each month is unbelievably easy. Not to mention having all my card details in the app so I can just use the app to enter payment details on websites. If I ever want to put cash in I can just use a local post office for free to get immediate deposits. The only thing that would make this bank perfect is a feature to scan and deposit cheques. Starling keep doing what your doing! This is now my only current account and I can’t see myself leaving any time soon!

Developer Response ,

Hi there,

Thanks for your wonderful five star review! We're thrilled you're enjoying the app and the Starling banking experience. We have no plans to change our lovely teal cards and in regards to cheque imaging keep an eye on our website and social media channels for updates around this!

Thanks again,

Team Starling

P1968M ,

Brilliant everyday mobile personal banking

I’ve been a Starling customer for 3 years. I’m in my 50’s and I’ve completely embraced the whole fintech banking scene. Starling Bank have quite honestly been a breath of fresh air in my everyday personal banking. During the long Covid lockdown, I shopped frequently for my elderly neighbours who would then give me a cheque to pay for their shopping. Cashing the cheques with Starling was super easy with their scan in App cheque facility and cheque clearing was super quick, absolutely brilliant! My Wife is also a Starling Bank personal account holder and it’s super easy for us to transfer payments between each other.

The App is updated frequently though I do wish Starling would add dark mode, something I’m sure would be relatively easy to implement. I’d also love to see my credit score in App. The navigation bar is a bit ‘in your face’ at the foot of the screen and could do with a revamp or rethink.

All in all, I can find little to fault with Starling Bank. For the most part, a brilliant App which is absolutely a cut above most of the High Street banking Apps but moreover, a great customer experience. Well done Starling, keep up the good work and keep improving the App.

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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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