When everything else in your life is real time, why shouldn’t your banking be?
The Pulse updates in real time and shows you exactly what you've spent that day, so you're never in the dark.
Goals helps you save for the things you really want
It's your digital change jar - just send the amount you'd like to save over to your Goal, whenever you'd like, and easily transfer it back to your everyday spending if you need it.
Visualise your objectives by adding your own unique image – and we'll even send you notifications to help you stay on track.
Understand your money with Spending Insights
Put the spotlight on your spending habits. See an overview of your spending by category or merchant, or view an individual breakdown.
Want to change the category? Just tap and pick a new one.
Real time notifications
Whenever there’s payment-related activity on your account, you’ll get a real-time update to your phone, whether it’s spending, ATM withdrawals, direct debits, standing orders or someone sending you money.
Think you've lost your physical card? Lock it in-app instantly (and unlock it if you find it again). Or just block it from online payments or ATM withdrawals - whatever works for you.
We’re making IOUs between family and friends simple, streamlined and speedy with Settle Up. No double checking details or awkward texts; just a few taps, a single link and you’re settled up.
Spread the cost
Borrowing shouldn’t be complicated, so we’ve designed a personal loan that’s straightforward to use, competitively priced and tailored to you. Find out more.
Our account pays interest on your balances: 0.5% AER on balances up to £2,000 and 0.25% on balances above £2,000 up to £85,000.
100% mobile banking
Forget traditional online banking. Everything you need to set up your account and get on with your everyday banking can be done from your mobile.
24/7 in-app support
Our smart and friendly customer support team are on hand 24/7, in-app, wherever you are.
What makes us different?
A great overdraft is a flexible overdraft
If you’re approved for an overdraft with Starling, you can adjust and lower your limit using the slider in app. You’ll pay interest on the amount you use, but we’ll let you know the rate payable as part of your overdraft application. And you won’t come up against any nasty unarranged overdraft fees either.
Unexpected fees can ruin a perfectly good day — especially when you’re on holiday. That’s why we don’t charge you fees when you’re abroad — you’ll get the competitive Mastercard exchange rate and not a penny more (although do bear in mind that some ATM providers may charge you their own fees).
Send fast and secure money transfers to bank accounts in over 37 countries worldwide with 19 currencies, straight from your Starling app. There are no hidden fees from us and a guaranteed exchange rate.
We believe we’re building the best current account in the world. But there’s a growing line-up of other smart financial products that can work in harmony with the Starling Bank app — that’s where our Marketplace comes in. You’ll have access to a wider financial ecosystem through your mobile phone, giving you more choice and control of your money.
We take the hassle out of switching banks. With just a few taps in the app, you can let us know you’re ready to make the move, and we’ll take it from there. Our switching service is simple, completed in seven working days and covered by the Current Account Switch Guarantee.
Your money’s secure with us
We’re a member of the FSCS (Financial Services Compensation Scheme) so up to £85,000 is protected in the unlikely event that the bank were to become insolvent.
Find out more about our security
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