Starship - Health Savings 4+

Save, spend, invest in health

Brighter Financial, Inc.

Designed for iPhone

    • 3.8 • 72 Ratings
    • Free

iPhone Screenshots


The health savings app. All of your HSA needs in one place.

With a triple tax break, no hidden fees, and automatic investing, Starship is empowering 100,000+ individuals and families to plan for their future health.

Starship is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.

How it works:

• Save - Save for everyday health expenses like dental, vision, health emergencies, and much more while avoiding hidden banking fees – for yourself or your entire family.

• Spend - Order your free Starship Visa® Debit Card directly from the Starship app. Swipe, dip, or tap your card to make eligible health purchases in-store and online. Add your card to Apple Pay.

• Invest - Auto-invest in your future health. Build a portfolio of diverse ETFs based on your risk level. Better than a 401(k), fast-track retirement with more financial security.

Here’s why thousands are saving with Starship:

New to health savings? We have the modern tools and services to help.

Get tax breaks on contributions, investment growth, & health-related purchases.

Ever. You shouldn’t have to spend money to save it. Starship has no overdraft fees, no withdrawal fees, and no minimum balance fees.

Your security is our top priority. Starship sends you transaction alerts when you turn on notifications, so you know what’s happening with your money.

Easily withdraw funds for money spent on out-of-pocket health purchases.

Reach out to or chat with us in the app. Our team provides personalized guidance and knowledge on how to make the most of your health savings.

Starship is a financial technology company, not a bank. Spending Accounts and the Starship Visa® Debit Card provided by and issued by nbkc bank, Member FDIC. Balances in your Starship Spending Account (“Spending”) earn .01% Annual Percentage Yield (“APY”) on deposit balances $0.01 – $1,999.99 and .04% APY on deposit balances $2,000 and above. We use the Spending Account’s end of day balance to calculate the interest earned that day. The rates are effective as of October 1, 2021, are variable and subject to change after the account is opened. Accounts subject to approval.

Any balances you hold with nbkc bank, including but not limited to those balances held in Starship accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Starship accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at

Investing Accounts and investment advisory services offered through Starship Securities, LLC, a registered investment adviser. Starship Securities, LLC is a wholly-owned subsidiary of Brighter Financial, Inc dba ‘Starship’. Brokerage services by DriveWealth LLC, member SIPC. Investing involves risk; investments are not FDIC insured and may lose value.

Content presented is not intended as legal, tax, financial or medical advice. It is the member’s responsibility to ensure eligibility requirements for contributions and qualified medical expenses. Always consult a professional tax advisor before making financial decisions with tax implications.

For Starship terms & conditions, please visit:

What’s New

Version 4.17.0

In this release, we’ve squashed some bugs, allowing for an even smoother Starship experience.

As always, if you need help, chat with us in the app or email

Ratings and Reviews

3.8 out of 5
72 Ratings

72 Ratings

jazmeenappreviews ,


Super excited to use the card and service app is amazing super modern and slick. Only downside is the white starship card I didn’t receive instead I got a green ugly card. They stated they will be sending out there white signature cards soon. So just a FYI for anyone expecting a nice white slick card in the mail. Other than that. Love it!

Developer Response ,

Yeah, sorry about that. We ran out of the slick card stock shortly after open enrollment season and had to issue those ugly ones until the new stock comes in! We'll be sending out new ones this fall. We'll reach out to everyone that got a temporary card to verify your address. Stay tuned!

euugie ,

Starship stole my money

My employer has been using Starship since I joined the company a couple months ago, I receive emailed statements from them once a month that notifies me of my account balance. However, every time I’ve logged into the app it’s shown a $0.00 balance and my card doesn’t work.

I emailed support, no response. I chatted with an agent and was given a response but nothing has been effective. After their migration and “new app” I can’t even access my account dashboard because I’m stuck in the new user flow, particularly the question of “do you have an existing HSA to transfer to Starship?”

If I had a choice, I would never use Starship HSA again. Unfortunately it’s not up to me to make this decision. I would say however this company needs to have a support line because this is pretty unacceptable to not be able to access my HSA funds for healthcare purchases for the past 6 months.

Developer Response ,

Hi there, we appreciate your feedback. Since this review, we have been in contact, have reviewed your account and confirmed that it is active and fully funded. Please feel free to reach back out to if you have any further questions.

kkkxa ,


This stupid starship Health savings app is a scam, my account was frozen. and I have $3k in my account…. the Stupid starship customer care are aren’t helping me out, because they are scam!!! They keep telling me to call my linked bank to file a dispute so I could get back my money, I called my linked bank and they said they can’t do anything about it……. My linked bank said only starship Heath savings account can disbursed my money…… starship savings account is not doing anything about my money, between they logged me out of my account and i have no access to my money and account anymore….. they are scam!!!! Startship is not letting get back my money

App Privacy

The developer, Brighter Financial, Inc., 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:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

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

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