Personal current account

Say hello to Britain’s Best Current Account

Get more from your money with Starling’s award-winning, app-based personal account. Enjoy no monthly fees and apply in minutes from your phone.

Starling app with teal debit card

Voted Best Current Account Provider by the British Bank Awards

Apply for a free, award-winning and fully-licensed UK bank account in minutes, with protection for your money up to £85,000 from the Financial Services Compensation Scheme.

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Features fit for an award-winning account.

  • Instant notifications. Get an alert whenever payments leave or enter your account.

  • Categorised spending insights. Seeing where, when and how you’re spending makes budgeting fast and easy.

  • Spaces. Put money aside in virtual piggy banks, automatically round up transactions to save the change and give someone a Connected card if they’re spending on your behalf.

  • All your financial products, in one place. Connect with some of the UK’s best financial products – like your mortgage, insurance or pension – via our Marketplace.

  • A new way to pay. Settle up IOUs with a simple payment link, send money to nearby Starling customers or split bills with a tap.

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Banking. But less hassle.

  • Seamless switching. Move all your finances over to Starling in a few taps by using the Current Account Switch Service.

  • Lock your card with a tap. Use the app to lock your card if it goes missing – and block gambling transactions and payment methods, too.

  • No fees overseas. Use both your card and ATMs freely when you travel, with no extra charges from us.

  • All your admin, in the app. Change your address, cancel your card, set up new accounts and more.

  • Send money internationally. With no hidden fees, and at a competitive rate.

  • Lending, reimagined. Control your overdraft in-app (if eligible), with a market leading rate of 15% APR* (variable), and no hidden fees or unfair unarranged charges.

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Everything you need. Nothing you don’t.

  • Cheque deposits. Just scan the cheque with your camera to make a deposit.

  • Cash. Withdraw from ATMs and deposit cash at any one of the Post Office’s 11,500 branches.

  • Earn interest. Get 0.05% AER on balances up to £85,000.

  • Online banking. You can also manage your Starling account from your laptop or computer.

  • Additional accounts. Like to manage your money across multiple accounts? Add an additional account completely free of charge!

  • Kinder to the planet. Our Mastercard debit card is made from recycled plastic (the very first of its kind in the UK).

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Apply for a Starling current account today and enjoy app-based banking at its best.

Start your application

Independent service quality survey results

An independent survey asked customers if they would recommend their banking provider to friends and family. We're proud to have been ranked top among 16 of the largest personal current account providers.

CMA survey results, published August 2022

Thousands of happy current account customers

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