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Starship is on a mission to help people take control of their financial wellness. We’re redefining the health savings space by making saving, spending, and investing in your health easy and accessible.

When you bank with Starship, you get a Visa® Debit Card, a spending account, and an investing account to help you save for your health. Signing up is free and takes less than 5 minutes. If you’re ready to make money moves, we’re right behind you.

Save. Stash money for your health, for free. Seriously, there are no hidden fees. Plus, you’ll earn variable interest and save on taxes!
Spend. Swipe your Starship card when paying for eligible health expenses. It’s an emergency fund that always has your back.
Invest. Maximize your future health funds, and invest using the first native robo-advisor on the market.

We’ve got the modern features you want (and need) to become healthier, wealthier, and wiser.
- Overflow Investing. Set a threshold and auto-invest your extra funds into low-fee ETF funds.
- Auto Contributions. Put your savings on auto-pilot with a recurring monthly contribution.
- Freeze Card. Lost or stolen card? Freeze and reorder replacement cards in the app.
- Serious Security. Your data is protected with TouchID (iOS) and 256-bit bank-level encryption.
- Reimburse Expenses. Link a funding account to quickly pay yourself back for health spending.
- Expert Advice HSAs can be confusing, we’re here to help make them easy to understand.
- Triple Tax Advantage. The money you contribute goes in tax-free, comes out tax-free, and grows tax-free when invested. Win-win-win.
- No Hidden Fees. Ever. You shouldn’t have to spend money to save it. That’s why we got rid of those pesky hidden fees.

This app is operated by Brighter Financial, Inc. (“Starship”) with banking services by nbkc bank, Member FDIC.

Need help? Got questions?
We’ve got answers: hit us up at support@starshiphsa.com or chat us once you’ve activated your account.

What’s New

Version 3.9.5

We update Starship as often as possible to make it easier than ever to save and invest for your healthcare.

In this release we squashed a few pesky bugs.

Need help? We’ve got experts for that: support@starshiphsa.com

Ratings and Reviews

3.8 out of 5
34 Ratings

34 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 support@starshiphsa.com if you have any further questions.

Marc Stud ,

Super simple to use

I got a new health insurance with higher deductibles and was advised to open up an HSA account as a complementary benefit. Starship is so simple to enroll with and love the debit card you get which connects to your spending account. Makes your tax returns much easier to deal with. Looks like I’ll be able to invest my contributions as well. Can’t wait.


Brighter Financial, Inc.
41.3 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.



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  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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