Good with money starts here.
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Game-changing banking.
Life-changing habits.
Master your spending.
Never ask ‘where’s it all gone?’ again.
Get instant notifications whenever you spend or get paid. Dive into your spending habits, and decide where to cut back or keep going. You’re in control now.
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Relax about bills.
Always know exactly what’s coming up.
Put bills on autopilot, and pay them from a separate area of your app with Bills Manager. You’ll get a clear view of what’s left over for day-to-day spending.
Meet Bills ManagerOrganise your money beautifully.
Set aside money from your main account.
Spaces are separate pots within your app. Add titles and images to make it your own and set money aside for anything you like - fuel, commuting or the big shop, it’s up to you.
Split any bill with a quick tap.
And get paid back without the hassle.
Use Split the Bill to quickly work out anybody’s share of a payment. Then fire off a simple Settle Up link to friends, and get paid without swapping bank details.
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Never blow a budget again.
Spend directly from your Spaces.
Create budgets in the app, then assign virtual debit cards to spend from them online and in-person. If the money runs out, your virtual card will decline.
Tell me moreSpend fee-free on holiday.
Use your card abroad exactly like you do at home.
Unlike most banks, we have no foreign transaction or withdrawal fees, and we never mark up the exchange rate. Wherever Mastercard™ is accepted, we are too.
Apply nowHelp, I’ve lost my bank card
Okay, don’t worry.
You can ‘lock’ it in app with just a tap.
Oh, that’s a relief. Thanks!
Speak to us any time, anywhere.
Talk to our award-winning, UK-based teams 24/7.
Whether it’s the dead of night, or you’re on the other side of the world: if you need to speak to us, you can. And you’ll always get through to someone real.
Industry-leading app security.
We’ve built some of the world’s best banking security.
We’re a fully regulated digital bank, built from scratch with some of the world’s best banking security. Codes, face and fingerprint recognition are just a few of the ways we help to keep your money safe.
Keeping your money safe with FSCS protection
As you’d expect from your bank, your money is protected up to £120k, or up to £240k for joint accounts, by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. This limit is applied to the total of any deposits you have across your Starling account, including Spaces.
More on FSCS protectionEverything you need.
- FSCS protection up to £120k
- 24/7 UK customer support
- Instant card locking
- Overdrafts (if eligible)
- Fully regulated UK bank accounts
- Scan cheques in-app
- Instant notifications
- Use with mobile wallets
- Cash deposits
- Direct Debits
- 100% digital sign up
- No fees abroad
- Split the bill with friends
- Virtual cards
- World-class security
Nothing you don’t.
- No card-readers
- No hidden fees
- No branches - no branch queues
- No fees for spending abroad
- No call time targets
- No bots
Independent service quality survey results.
Personal current accounts, Great Britain
Published February 2026.
As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.
2024 Authorised push payment (APP) scam performance data
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. Information about Starling’s performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR’s latest APP Scams Performance Report published in February 2026.
Apply for a bank account in minutes from your phone.
Award-winning everyday bank accounts with no monthly fees, industry-leading security features and a Mastercard™ bank card.
Apply now