At Starling, we’re trying to build the best bank account in the world. But to help you choose for yourself, we’ve gathered all the current account options together using comparative data from Defaqto. Use our tool below to easily compare current accounts to find the best bank account for you.

Compare current accounts

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Compare current accounts. Data correct as of 1 February 2023.
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Starling Bank

Account

Minimum monthly deposit

Many current accounts insist that their customers deposit a minimum amount of money into it each month (typically their principal wage), otherwise they must pay a default fee. Our account does not have any minimum monthly deposit requirement, and no default fee.

Yes

£0

Monthly charge

Some bank accounts charge their customers a monthly fee for having the account. The Starling Bank account does not have any monthly charge.

Yes

£0

Savings pots

Starling Bank allows you to set up savings pots to help put money aside separate from the main current account.

Yes

yes

Mobile app bill splitting tool

The mobile app includes a tool that allows the user to split a bill and send payment requests to a group of people to share and settle a bill.

Yes

yes

Round up savings

Starling Bank offers the facility to round up any debt card transactions to the nearest pound and transfer the difference into a savings space.

Yes

yes

Gross AER - £1,000

Many current accounts don’t pay interest on any credit balance you have in your account. Our account pays interest on your balances: 0.05% AER on balances up to £85,000.

No

0.05%

24 hour app live chat banking

Some providers will provide a 24 hour live chat service when banking with the mobile app. We offer this service.

Yes

yes

Overdraft

Overdraft facility

Overdrafts with Starling are approved up to a certain limit from the moment you open your account, which you can accept. Within the app you can set the amount of overdraft you need within that limit by adjusting a slider within the app.

Yes

yes

Arranged overdraft representative apr

With our account if you go overdrawn you only pay interest for the amount you borrow, while you are overdrawn. The Representative APR is the rate which 51% of customers will actually get. Interest is accrued daily, and charged on the 15th of the following month

15.00%

Unarranged overdraft monthly cap (£)

With the Starling Bank account if you go into an unarranged overdraft there are no charges.

Yes

£0

Overdraft cost (£500 for 7 days)

The total cost of having an arranged overdraft of £500 for 7 days with Starling Bank based on the representative APR would be £1.35.

Yes

£1.35

Overdraft cost (£500 for 30 days)

The total cost of having an arranged overdraft of £500 for 30 days with Starling Bank based on the representative APR would be £5.81.

Yes

£5.81

Overdraft cost (£500 for 60 days)

The total cost of having an arranged overdraft of £500 for 60 days with Starling Bank based on the representative APR would be £11.62.

Yes

£11.62

Security

App transaction history

Some providers mobile apps allow a customer to be able to view recent transactions made as pending transactions, waiting to be processed. Our mobile app allows you to see all transactions in real time.

Yes

real time

Online transaction history

Some providers online banking service allows a customer to be able to view recent transactions made as pending transactions, waiting to be processed . Our mobile app allows you to see all transactions in real time.

Yes

real time

Contactless limit channels

Some accounts allow you to set your own contactless limit using the mobile app or online banking. Starling Bank allows you to set the limit between £10 and £90 using the app.

Yes

app

App limit atm withdrawals

A daily ATM withdrawal limit can be set within the Starling Bank mobile app

Yes

yes

App limit online transactions

The Starling Bank mobile app can be used to restrict online transactions to certain times or limits.

Yes

yes

Mobile app card security

Some accounts offer the facility through the mobile app to lock and unlock all transactions, and/or cancel the debit card for security purposes. Starling Bank allows you to do all of these.

Yes

lock, unlock, cancel

Travel

Debit EU £100 cost

With the Starling Bank account you do not pay any fees to use your debit card for purchases while in Europe. If you pay in the local currency we will convert that cost to Sterling using Mastercard’s globally accepted exchange rate.

Yes

£0

ATM EU £100 cost

With the Starling Bank account you do not pay any fees to withdraw foreign currency from a cash machine while in Europe. We will convert the cost of any money you withdraw using Mastercard’s globally accepted exchange rate. Just like in the UK though some ATM providers might charge you a fee for withdrawing cash from their machines.

Yes

£0

Debit world £100 cost

With the Starling Bank account you do not pay any fees to use your debit card for purchases worldwide outside of Europe. If you pay in the local currency we will convert that cost to Sterling using Mastercard’s globally accepted exchange rate.

Yes

£0

ATM world £100 cost

With the Starling Bank account you do not pay any fees to withdraw foreign currency from a cash machine while anywhere in the world outside Europe. We will convert the cost of any money you withdraw using Mastercard’s globally accepted exchange rate. Just like in the UK though some ATM providers might charge you a fee for withdrawing cash from their machines.

Yes

£0

Payments

Mobile payment types

The ability to use mobile phone payment methods is important to many people. With our account you can use Apple Pay, Google Pay, and Samsung Pay.

Yes

Google Pay, Apple Pay, Samsung Pay

Faster payments app limit

If you want to send money to someone in the UK you can use our app to make an immediate domestic payment through the UK's Faster Payments network of up to £250,000 per transaction. Recipients typically receive the funds almost immediately, although they can sometimes take up to two hours.

Yes

£1, 000, 000

App cheque imaging

Cheque imaging is used across UK banks which sends images of cheques to the cheque clearing service, rather than the paper cheques. This has reduced cheque clearing time to 2 days. Starling Bank offers the cheque imaging service on its app, which means a cheque can be photographed using the app rather than having to visit a branch.

Yes

yes

Data correct as of 1 February 2023.

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

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