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. Plus no fees when you spend abroad.

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.

British Bank Awards

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, domestic transfers or ATM withdrawals.

Earn interest

Less is more, but definitely not when it comes to money. That’s why we pay competitive interest rates on current account balances. 0.5% AER up to £2,000 and 0.25% up to £85,000, to be precise. From 18th May 2020, we’ll be paying a rate of 0.05% on balances up to £85,000.

Spend flexibly

Need a bit of extra support? No worries, applying for an overdraft is easy. What’s more, you’ll only pay interest on the amount you borrow, charged at 15%, 25% or 35% EAR (variable) based on a range of different factors, including your credit score - with no hidden fees whatsoever. We’ll always try and stop you from going into your unarranged overdraft, but if you do, we won’t charge you for it. More information about our overdrafts, our cost calculator and our eligibility tool.

Save easily

Save up for the things you want by setting money aside for your ‘Goals’.

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. FSCS logo

Goals feature

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.

Instant notifications

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.

Card controls

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.

Personalised data

See where, when and how you’re spending – and how you could budget more effectively.

Instant notifications feature


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.

Settle up

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.

Nearby payments

Find and pay fellow Starling customers from your mobile. No bank details required.

Nearby payments feature

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.

24/7 customer support illustration

Post Office branches

Deposit money into your Starling account at any Post Office. So, you’ve basically got 11,500 Starling branches at your disposal (versus the 7,500 regular UK bank branches. Just saying.)

Post Office illustration

Easy cheque deposits

Pop your cheques in the post and we’ll deposit them for you. No need for a stamp – it’s completely free.

FREEPOST cheques deposit illustration

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.

No hidden fees illustration

Real exchange rate

With Starling, you get Mastercard’s globally accepted exchange rate, with no added fees on top.

Exchange rates illustration

Travel safe

No matter where you go, it’s always best to travel with minimal cash. So stay safe: just take Starling with you.

Travelling illustration

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).


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.

Read more customer reviews...

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.

Find out more about what information you will need to provide to open an account or about our personal account service information.

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