Starling Bank - Mobile Banking 4+

Changing banking for good


    • Free



Apply in minutes – anywhere, anytime.

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 (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 Saving Spaces while separating rent and bills from everyday spending
• Personalise your Saving Spaces 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 Saving Space.

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), 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 2.60.0

Major update to Spending Insights: use our custom date range to review your spending for any time period you like. Prefer to compare from payday to payday, instead of calendar months? No problem - set your payday as the ‘Month starts’ date. Want to see how much you spent last bank holiday weekend? Just change the range. Insights, your way.

P.S. To keep the Starling app running properly and securely, we’ll soon stop supporting devices running iOS 10. Please check that your device is on the latest iOS version.

Ratings and Reviews

4.9 out of 5
341.6K Ratings

341.6K 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

L_J2 ,

Customer support slow and inattentive

Opened my account about a week ago. Moved shortly after; went to my profile to update my address. Able to update it but when attempting to save it I got stuck in a loop with the app recurrently asking me to enter my password (even changed it to ensure I wasn’t entering it wrong, with no change). Chatted with customer support, told to phone. They noted my new address but I was later messaged and asked to agree for another soft credit check and to supply them with proof of address. Did so, as well as asked what would happen to funds which I had already initiated a transfer of from another bank into my Starling account. Took a few days before I heard back that the check had been approved and my address updated. Never received a reply regarding my transfer, however my other bank informed me that the transfer had not gone through.

Logged in to check the address - they’d updated it wrongly..tried again to update it myself but same issue when I entered my password. Wrote back early this morning, not yet heard back at the end of the day. In conclusion a slow customer service which is not paying attention to detail nor addressing all concerns raised.

I partly opened this account as I travel frequently; partly because I am fed up with poor customer service. Sadly seems the latter extends to these “modern” banks too.

Developer Response ,

Thank you so much for taking the time to share your review. We're very sorry for the experience so far and are keen to investigate further. Please get in touch with us via so we can look into this for you. We're keen to help.

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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