Business current account

The award-winning business bank account

Business banking – but not as you know it. Apply for a free digital business account in minutes and join over 200,000 UK businesses who have changed the way they bank.

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phone and laptop banking interface

Less admin. More control.

Say hello to Britain’s Best Business Banking Provider 2020.

Best British Bank winner 2018, 2019 and 2020

There’s a faster, easier way to stay on top of your business’s finances. Apply for an account in minutes to get your Mastercard debit card, plus:

0 pounds per month

An easy-to-use business account stacked with powerful money management tools. All with no monthly fees or UK payment charges.

24/7

Free 24/7 UK support via app, phone or email, with fast response times and help from real humans.

FSCS protected

A fully regulated UK bank account, where your money’s covered up to £85,000 by the Financial Services Compensation Scheme.

Switch Guarantee logo

An easy life. If you want us to, we’ll move all your banking over for you through the Current Account Switch Service (all it takes is a few taps in-app).

Most banks charge fees for what limited companies get for free with Starling business. Give our comparison table a quick scan to see for yourself.

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Olly Browning

"No monthly fees means business banking is one less thing to worry about."

Olly Browning, Mighty Oak
Olly Browning, founder of Mighty Oak

Spending, simplified

  • Instant payment notifications. Get notified the second you pay or get paid, and get a reminder the day before payments are due.
  • Spending analytics. Break down your monthly spending and automatically sort it by category.
  • Digital receipts. Keep your files in order by adding digital receipts to payments.
  • Separate spaces for separate costs. Set things like tax and overheads to one side.
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Dominique Lescott

"I really love Goals. I separate money for paying my intern or events or tax."

Dominique Lescott, Hair Popp
Business spending app interface

Everything you need, under one roof

  • Integrate with accounting tools. Connect to Xero, FreeAgent or Quickbooks to get the full picture and save time.
  • A competitive overdraft. Adjust your overdraft up to £150k in-app, at competitive rates that beat all the major banks (true as of 10.08.2020).
  • Deposit cash. Deposit up to £20,000 cash at the Post Office for £3, and cheques digitally in-app, for free.
  • Pay people easily with a tap. No card readers or PINS required.
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Jamelia Donaldson

"I like the transparency and simplicity of Starling. I can send an invoice and immediately see when it’s been paid."

Jamelia Donaldson, TreasureTress
Overdraft app interface

Fast, friendly help. Whenever you need it.

24/7

Always open

Day or night; we’re open 24/7 to lend a hand.

love heart

Always human

Speak to real UK-based humans.

clock

Always fast

Save time with quick response times via app, phone or email.

0 pounds

Always free

All service is priority service at Starling.

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Claud Williams

"The final thing that made me fall in love with Starling was Customer Services... when I want to speak to someone, I can talk to a human within minutes. Starling has a personality."

Claud Williams, Dream Nation
Starling customer service

Everything you’ll get with Starling

Get started with the award-winning business account with no monthly fees and add-on the Business Toolkit for easier bookkeeping and accounting.

Business account feature data

Original free account

£0.00 / mo

Get started
new

Add-on the Business Toolkit

£7.00 / mo

(inc. VAT)Explore the Toolkit

Businesses supported

No

No

No

Sole traders

YesYes

Startups

YesYes

Limited companies and Limited Liability Partnerships (LLPs)

YesYes

Starling’s best-loved

No

No

No

Free UK current account from a regulated bank

No monthly fees on opening a business account. Starling Bank is a fully-licensed bank. You can add-on the Toolkit for £7 per month (inc VAT).

YesYes

Mobile application in minutes

Applying for a business account can be done in a matter in minutes from your mobile phone.

YesYes

FSCS Protection up to £85,000

All of Starling’s eligible accounts are protected up to £85,000 by the Financial Services Compensation Scheme.

YesYes

Mobile and online banking

Access and manage your business account from the app or through online banking.

YesYes

24/7 customer support

Free 24/7 UK support via app, phone or email, with fast response times and help from real humans.

YesYes

Free ATM withdrawals

Starling will not charge a fee when you withdraw money from an ATM. You can make up to six withdrawals per day, with a daily limit of £300, regardless of what currency you are withdrawing.

YesYes

No fees abroad

Starling will not charge you for card payments or ATM withdrawals when you’re abroad.

YesYes

Receipt capture

Keep your files in order by adding digital receipts to payments.

YesYes

Saving Spaces

Separate spaces for separate costs. Set things like tax and overheads to one side.

YesYes

Card security controls

In-app card locking and personalised card settings.

YesYes

Good for business

No

No

No

Free access for directors / Multiple persons of significant control

YesYes

Integration with Xero

From the Starling Marketplace, you can integrate Xero with your business account (note: if you do this, you won’t need our Toolkit add-on).

YesYes

Integration with QuickBooks

From the Starling Marketplace, you can integrate QuickBooks with your business account (note: if you do this, you won’t need our Toolkit add-on).

YesYes

Integration with FreeAgent

From the Starling Marketplace, you can integrate FreeAgent with your business account (note: if you do this, you won’t need our Toolkit add-on).

YesYes

Connect to some of the world’s best business products and services to create your own in-app financial hub.

YesYes

Automated business spending categorisation

Get a breakdown of your company’s spending, organise your outgoings and store receipts.

YesYes

Designed for bookkeeping

No

No

No

Invoices and auto-matching

Create and manage unlimited invoices directly from your desktop. When you get paid, just match your invoices in a single click.

No

Yes

Email integrations

Link your Google, Outlook or Hotmail email to the Business Toolkit to issue invoices directly from your bank account.

No

Yes

HMRC Tax estimation (sole trader only)

Estimate your self-employed tax (SA103F), national insurance and student loan liabilities.

No

Yes

Record VAT on transactions

Record your VAT, and we’ll calculate your VAT return if you’re on cash accounting or flat rate (cash basis).

No

Yes

MTD VAT submission

Connect your account to HMRC and submit your VAT return through Making Tax Digital.

No

Yes

Bookkeeping to-do list

See what needs to be done in a handy interactive to-do list, so you can stay on top of your bookkeeping admin.

No

Yes

Manage bills

Upload bills, schedule payments and track your expenses.

No

Yes

Made for payments

No

No

No

Free UK bank transfers

No payment charges on UK bank transfers. You can make a domestic bank transfer (we are part of the UK’s Faster Payments network) of up to £25,000 per transaction in your app / online banking, and an international bank transfer of up to £10,000 per transaction.