Your habit-building current account.
Good with money starts now. Apply online in minutes.
You’ll need to live in the UK and be aged 18 or over to apply. Terms and elgibility criteria apply.
3.5 million customers
Join over
Seize the pay.
Keep track more easily.
One app.
Everything you need.
All your money in one place, with 24/7 UK based support. Start with a current account, then apply in-app for all of these too:
Savings accounts.
A joint account.
Children’s debit cards, managed by you.
Feel more in control.
Organised. Fun.
Know what you can afford.
Portion money into serious budgets, like petrol, and fun goals, like ‘Spain Hol‘ to see how things are shaping up.
Relax about bills.
Set up Bills Manager to put money aside for your bills into a separate Space and pay them automatically, so you know you’re covered.
Budget for the fun stuff.
With money for bills and goals set aside, working out what’s left for day-to-day spending is much easier.
Perfect for your holiday.
Spend abroad like the locals do.
Spend and withdraw abroad with no fees from us, and keep track with spending notifications in both GBP and local currency.
Why we’re ideal for holidaysFuture-fit features.
Groundbreaking tools, powered by AI, that are genuinely useful.
Scam Intelligence
Suspect that item might be too good to be true? Upload a screenshot of the listing in the app, and our feature will assess. Low price, generic photos: if something looks off, we’ll flag it.
Spending Intelligence.
Ask good questions, build good habits. Ask in our search bar about your spending and get instant answers. Deepen your knowledge and start making more informed money decisions.
Industry-leading security, including face and fingerprint recognition, and groundbreaking new tools powered by AI.
Your money is protected.
Eligible deposits are protected up to £120,000 by the Financial Services Compensation Scheme (FSCS).
24/7 UK support from humans.
Whatever the time, whatever the day. Start a live chat or give us a call – we’re ready to help.
Scam Intelligence.
Not sure if something’s a scam? Upload a screenshot and our AI will flag concerns, such as generic photos or low prices.
Ready to apply?
Good with money begins with four quick steps.
You’ll need to live in the UK and be aged 18 or over to apply. Terms and elgibility criteria apply.
Start my applicationStep One
Apply online.
Start your application on your phone or computer.
Step Two
Prove it’s you.
With a passport or photo ID.
Step Three
Await a decision.
It usually takes less than 24 hours.
Step Four
And that’s it!
Your card is in the post.
“I’ve honestly never had a banking experience like it. It’s so efficient and fast, and the app is super easy to use.”
Susan
Starling Personal Account - 18 August 2025
One eye on the competition.
Apply nowFeature |  Starling - Current Account |  NatWest - Select Account |  Lloyds Bank - Classic Account |  HSBC - Bank Account |  Santander - Everyday Current Account |  Monzo - Current Account |
|---|---|---|---|---|---|---|
App Transaction History | real time | pending transactions | pending transactions | pending transactions | pending transactions | real time |
Mobile App Card Security | lock, unlock, cancel | lock, unlock, cancel | cancel | lock, unlock, cancel | lock, unlock | lock, unlock, cancel |
Arranged Overdraft Representative APR | 15.00% | 39.49% | 29.90% | 38.90% | 39.94% | 39.00% |
ATM World £100 Cost | £0 | £2.75 | £4.49 | £4.75 | £2.95 | £0 |
Faster Payments App Limit | £1,000,000 | £20,000 | £25,000 | £50,000 | £25,000 | £10,000 |
App Cheque Imaging |  | | | | | |
Data supplied by Defaqto and correct as of 16 March 2026.
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.
Frequently asked questions
Join over 3.5 million people getting good with money.
Award-winning accounts. No monthly fees. Industry-leading security features.
Apply now