The UK mobile only bank account

Download the app and apply for a Starling current account in minutes.

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Starling Bank debit card full view

This is online banking – but not as you know it

Take control of your money management with our mobile only current account. Apply in only 3 minutes and see how straightforward banking with us is.

No more delays

If you’ve spent it, you’ll see it in your account straight away. Plus you’ll also get a real-time notification so you can see exactly what’s coming out of your account, and when - no surprises.

Built for you

You’ll get everything you’d expect from a current account, but with added features built to fit a mobile lifestyle - insights on spending habits, granular and flexible card security, zero fees abroad and 24/7 customer support. That’s only the start…

app card control screen

Latest features

We’re always adding new features and tools to help you manage your money better. Browse a few below, or take a look at them all here.

iPhone Gold

With a Starling current account you’ll get all the basic features you’d expect from your bank too:

  • Sort code and account number

  • Be sure that we won’t charge you any account fees — and that you’ll receive interest at 0.5% AER on balances up to £2,000 and 0.25% on balances above £2,000, up to £85,000

  • Use your globally accepted Contactless Mastercard debit card all over the world (with zero charges!)

  • Pay people instantly with Faster Payments, and set up direct debits and standing orders

A simple, transparent overdraft

Our interactive calculator lets you see how a Starling overdraft compares to others on the market.

100% mobile only bank

Everything you need to open a Starling Bank account is on your mobile, so after a few quick checks, you can get going within minutes of downloading the app.

Safe, secure, protected

We’re a member of the FSCS (Financial Services Compensation Scheme) so up to £85,000 is protected if your deposit is eligible.

Security is our top priority, we make accessing your money and personal information easy for you, and only you.

Don’t just take our word for it

Here’s what people have been saying about Starling recently.


I think the greatest compliment I can give is the fact that I TRUST you enough, within a week of use, to be my main bank account with all the outgoings and incomings associated with that. So keep focused and continue innovating and delivering a great customer experience.


This is a brilliant feature by @StarlingBank. Half the terror of temp losing card is knowing there's no going back after reporting it.


Works perfectly on my Pixel. The app is slick and allows me to see all my spending easily.


An absolutely first class account switching experience. 👍 great work again, everyone at @StarlingBank


Very impressed with onboarding journey from @StarlingBank - literally sorted my bank account whilst walking to the tube - ID and all! 🙌🏼


Welcome to the future of banking, great app simple to use have everything you need from a bank account. Pay now and less than a second later your transaction is there not days later. Can only get better.


Very impressed! I have used the account for several weeks now and very impressed so far. The app is well designed and security conscious, customer service seems to be by far superior to most of the new Fintech start ups. I can see Starling replacing my current account shortly.

Proud to be voted Best British Bank and Best Current Account Provider.

Got something to say?

Great. Your feedback and ideas are important to us, so come and join us over on our Community forum to tell us what you think. Find out what’s coming up, talk tech or chat with our team – see you there!