Terms and Conditions
Terms and Conditions
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Information on this page
This page contains important legal documents for Starling Bank. It includes the personal and business account terms currently in effect (or due to come into effect on a future date), as well as other legal documents – such as our Fee Information documents, Privacy Notice, Cookies Policy, Marketplace Terms and Competition Terms.
You can use the links below to jump to the relevant sections you’d like to look at:
Account terms and conditions and Rates, Fees and Charges
Account terms and conditions and Rates, Fees and Charges
Personal
Personal Euro Account Schedule and Rates, Fees & Charges
Until 27 January 2026, the Euro Personal Current Account Schedule and Rates, Fees and Charges dated 10 February 2025 are applicable
From 28 January 2026, the Personal Euro Current Account Schedule and Rates, Fees and Charges dated 28 January 2026 are applicable
Business
Business Account General Terms (for all business account customers)
Business Account General Terms (for all business account customers)
Until 26 April 2026, the Business Account General Terms dated 13 July 2022 are applicable
From 27 April 2026, the the Business Account General Terms dated 27 April 2026 are applicable
Business Current Account Terms
Until 26 April 2026, the Business Current Account Terms dated 1 March 2022 are applicable
From 27 April 2026, the Business and Sole Trader Current Account Schedule and Rates, Fees & Charges dated 27 April 2026 are applicable
Sole Trader Current Account Terms
Until 26 April 2026, the Sole Trader Current Account Terms dated 1 January 2022 are applicable
From 27 April 2026, the Business and Sole Trader Current Account Schedule and Rates, Fees & Charges dated 27 April 2026 are applicable
Euro Business Current Account Terms
Until 26 April 2026, the Euro Business Current Account Terms dated 4 November 2020 are applicable
From 27 April 2026, the Euro Business and Sole Trader Current Account Schedule and Rates, Fees & Charges dated 27 April 2026 are applicable
Euro Sole Trader Current Account Terms
Until 26 April 2026, the Euro Sole Trader Current Account Terms dated 1 January 2022 are applicable
From 27 April 2026, the Euro Business and Sole Trader Current Account Schedule and Rates, Fees & Charges dated 27 April 2026 are applicable
US Dollar Business Current Account Terms
Until 26 April 2026, the US Dollar Business Current Account Terms dated 4 November 2020 are applicable
From 27 April 2026, the US Dollar Business Current Account Schedule and Rates, Fees & Charges dated 27 April 2026 are applicable
Business and Sole Trader Account Rates, Fees & Charges (for all business account customers)
From 27 April 2026, information on your Rates, Fees & Charges will be included in your account schedule.
Business and Sole Trader Account Rates, Fees and Charges
Until 26 April 2026, the Business and Sole Trader Account Rates, Fees and Charges dated 21 November 2022 are applicable
From 27 April 2026, the Business and Sole Trader Current Account Schedule and Rates, Fees & Charges dated 27 April 2026 are applicable
Euro Business and Sole Trader Account Rates, Fees & Charges
Until 26 April 2026, the Euro Business and Sole Trader Account Rates, Fees & Charges dated 21 November 2022 are applicable
From 27 April 2026, the Euro Business and Sole Trader Current Account Schedule and Rates, Fees & Charges dated 27 April 2026 are applicable
US Dollar Business Account Rates, Fees & Charges
Until 26 April 2026, the US Dollar Business Account Rates, Fees & Charges dated 21 November 2022 are applicable
From 27 April 2026, the US Dollar Business Current Account Schedule and Rates, Fees & Charges dated 27 April 2026 are applicable
Mobile App terms (Personal accounts)
Mobile App terms (Business accounts)
Until 26 April 2026, the Business Account General Terms dated 13 July 2022 are applicable (Use of App terms can be found in section 2)
From 27 April 2026, the Business Mobile App Terms dated 27 April 2026 are applicable
Privacy notice
Starling Bank website
Digital wallets
General competition terms
Starling Bank Limited is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. Starling’s remuneration policy is aligned to the FCA and PRA’s Remuneration Code (per PRA requirement referenced SYSC 19D 3.13(R)) and complies with the 12 key principles outlined in that code. This means that the remuneration structure (which is reviewed annually) supports Starling’s business strategy and its long term interests, promotes effective risk management and has transparent governance.