Personal current account

Say hello to Britain’s Best Current Account

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

Starling app with teal debit card

Having the right documents to hand will help speed up your application.

When you apply for a current account with us, we’ll need proof of identity and proof of your address. As an international student, we accept letters from your university that confirm your term time address.

Your university letter must be from a recognised university, and your campus at the official address on the letter. We’ll need to be able to match the address for the student housing to the application address, and, if a flat or room number is needed, you’ll need to follow this format:

Line 1: Flat 1
Line 2: 12 Smithe Street
Line 3: Optional
Post Town: Glasgow
Postcode: G1 1AA

Voted Best Current Account Provider 2022 at the British Bank Awards

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

Not your average current account.

Fully digital icon

Go digital

Do everything you used to do in a branch – on your phone.

Fast access icon

Fast and free access

Apply for a free current account right now in minutes.

Money management icon

Money management, made easy

Apply for a current account and get instant payment notifications and smart tools to help with budgeting and saving.

24/7 support icon

24/7 support

Chat to our all-human, UK-based team in the app, whenever works best for you.

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Features fit for an award-winning current 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.

Get started
Customer - Alice Benham

I used to be so unaware of where my money was going but now, with Starling’s instant notifications and reminders about upcoming payments, checking in on my finances is part of my everyday life.

Alice Benham

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). No hidden fees or unfair unarranged charges.

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Customer - Tafadzwa Chipinge

I really like the way the home screen breaks down what you’ve spent in a day and how easy it is to get a PIN reminder in the app.

Tafadzwa Chipinge

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 for £2 per month
    Try it for free! For a limited time only, your first month is on us. There’s no need to commit, and you can cancel at any time.

  • 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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Customer - Gareth Thomas

I used to get a sense of dread when I opened my banking app. Now, I feel in control and more at ease.

Gareth Thomas

What you need to apply for a current account

  • Smartphone (and signal)
  • Valid photo ID (passport or driving licence)
  • About 5 minutes of your time

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

Find out about fees, rates and charges for our current account.

How does Starling’s current account stack up against other banks?

Spoiler alert: we come out on top in most areas.

Feature
Starling LogoStarling Bank - Current Account
Natwest LogoNatWest - Select Account
Lloyds Bank LogoLloyds Bank - Classic Account
HSBC LogoHSBC - Bank Account
Santander LogoSantander - Everyday Current Account
Monzo LogoMonzo - Current Account
Number of mobile app features for protecting your account
423224
Gross AER - £1,000
0.05%0%0%0%0%0%
Arranged overdraft representative apr
15.00%39.49%39.90%38.90%39.94%39.00%
ATM world £100 cost
£0£2.75£3.49£2.75£2.95£0
Faster payment app limit
£250,000£20,000£25,000£10,000£25,000£10,000
App cheque imaging
Tick iconTick iconTick iconTick iconCross iconCross icon
Compare all banks and features

Data supplied by Defaqto and correct as of 1 July 2022.

Independent service quality survey results

Personal current accounts, Great Britain

Published August 2022.

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 16 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.

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.

Personal current accounts, Northern Ireland

Published August 2022.

As part of a regulatory requirement, an independent survey was conducted to ask approximately 500 customers of each of the 11 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.

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.

Thousands of happy current account customers

Read more customer reviews...

Apply for a free, award-winning personal current account today and enjoy app-based banking at its best.

Start your application

Frequently asked questions

  • What is a current account?

    It’s a bank account designed for holding and withdrawing money. Most people have their salaries paid into a current account, and they’re used for things like Direct Debits and paying bills, too.

  • Can you have multiple current accounts?

    Yes. For just £2 a month, you can open an additional current account (for holding GBP only).

  • Is a debit card a current account?

    When you open a personal current account, you’ll usually be sent a debit card, too – so you can make transactions from your account. Learn more about debit cards, account numbers and sort codes.

  • How do I put money in a current account?

    You can add money to your account from another bank account by using your Starling account number and sort code. As Starling is part of the Faster Payments network, your money will be sent across instantly. Another way of adding money to your account is by visiting your local Post Office and depositing cash at the till (Please note, deposit limits and fees apply - find out more about limits and fees). You can also deposit cheques via the mobile app or by post.

  • How do I switch current accounts?

    It’s really easy to make Starling your main bank account – in fact, we’ll do most of the work for you. The whole process takes just a few clicks from you and seven working days to complete. Read more about our Current Account Switch Service.

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