Personal current account
The award-winning, Get started
Speedy application and no monthly fees. A beautifully simple app-based current account with 24/7 customer support and budgeting tools to help make your money go further. The bank account you can rely on.
British Bank Awards winner
The bank account that won Best British Bank and Best Current Account in 2019 and 2020 at the Oscars of the banking world. Awarded 5 stars by Defaqto too.
A stand-up, stand-out bank account
There’s a reason why our mobile personal current account has won lots of awards.
No monthly fees
Our current account is completely free. We won’t charge you for making electronic payments, receiving payments, domestic transfers, cash deposits or ATM withdrawals.
When you put money in, we will too. Our current account pays you 0.05% AER on balances up to £85,000.
Need a bit of extra support? As part of our Starling Coronavirus Support Scheme, we’re offering a three-month interest holiday on the first £500 of an arranged overdraft. Applications are open from 1 April 2020 to 31 October 2020. Acceptance is dependent on eligibility.
Save and share
Save up for the things you want by setting money aside for your ‘Goals’. You can also give a Connected card to a trusted person so they can buy the things you need on your behalf.
Protect your money
We’re a fully registered bank and a member of the Financial Services Compensation Scheme (FSCS), so any money you keep with us will be fully protected, up to £85,000.
Next-level mobile banking
All things mobile aren't made equal. With Starling, you get a lot more than just the convenience of an app-based current account.
Mobile cheque deposits
Deposit cheques up to £500 from your mobile. Just take a photo of the cheque via the app, and once it has been accepted, you’ll receive the funds within two working days. It’s as simple as that.
Whenever a payment leaves or enters your account, we’ll let you know immediately. No more second guessing – and a little extra security against fraud.
Lost your card? Don’t worry, you can lock it. You can even block certain transaction types, too. Because when you’re in full control, your money’s better protected from scammers, fraudsters and the like.
See where, when and how you’re spending – and how you could budget more effectively.
Round up transactions to the nearest pound, put the change into your savings and before you know it, you’ll have a nice pile of extra cash without even trying.
Manage your IOUs from your mobile. It’s just a matter of a few taps and a single link. Splitting the bill has never been easier.
Find and pay fellow Starling customers from your mobile. No bank details required.
Bank wherever, whenever
Think of us as your app-based bank with real-world benefits.
24/7 UK customer support
If you need us, whenever you need us, we’re there. Just get in touch via phone, email or chat and our friendly customer service team will do their best to help.
Post Office branches
Depositing money into your Starling personal account at any Post Office is free. So, you’ve basically got 11,500 Starling branches at your disposal (versus the 7,500 regular UK bank branches. Just saying.)
Easy cheque deposits
Deposit cheques of £500 or less via the Starling app, or pop your cheques in the post and we’ll deposit them for you. No need for a stamp – it’s completely free.
No fees overseas
Say au revoir, adiós and sayonara to fees when you use your card abroad.
No hidden charges
Rest assured, we won’t charge you for card payments or ATM withdrawals on holiday.
Real exchange rate
With Starling, you get Mastercard’s globally accepted exchange rate, with no added fees on top.
No matter where you go, it’s always best to travel with minimal cash. So stay safe: just take Starling with you.
Check out the competition
We could spend all day explaining why our current account is the best. And as much fun as that’d be, we’ve saved everyone a bit of time by creating a comparison tool. See how Starling measures up to other current account providers. (Spoiler alert: we come out on top in most areas).
Switching your current account to Starling Bank is easy as 1, 2, 3. That’s it. We’ll handle the rest for you (within seven working days). Switch.
Open the app and go to ‘Account Management’ and select ‘Switch to Starling’.
Tell us the date you want to switch bank accounts.
Agree to the terms and conditions.
Many a happy customer
We think we have the best personal current account, but don’t just take our word for it. We’ve been reviewed thousands of times on Trustpilot. Our customers think we’re “the best bank bar none”, “a true breath of fresh air”, and “freaking love” us.
Even more mobile goodness
Our mobile current account is ideal for managing your day-to-day money. But what about rainy days, days abroad, and the days when you just need a bit extra? Starling Bank offers a range of banking products to help.
Get an interest rate that’s tailored to you and the freedom to pay it back early, with no additional fees.
Learn more about loans
International money transfers
To 38 countries in 20 currencies with some of the most competitive exchange rates on the market.
Send money abroad
We’ve partnered up with competitive financial products – like mortgages, insurance, pensions and ISAs – which can be integrated with your Starling account.
Explore the Marketplace
Independent service quality survey results
Personal current accounts
Published August 2020.
As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 19 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.
View the full set of results.
In addition to this independent survey, we are also required to publish Financial Conduct Authority Service Quality Information for personal accounts.