At Starling, we’re trying to build the best bank in the world.

We want to fundamentally change money management - from how you control your spending to how you pay friends back or save for the things that are really important to you.

We’re sure of our mission, but we understand that we’re not the only bank in the world. Money is a big part of our lives, and choosing a bank account is worth taking some time over.

Transparency is a big deal for us here at Starling. That’s why we’ve gathered all the current account options together for you using comparative data from Defaqto.

We want to help you compare current accounts and enable you to make an informed choice and a decision based on real, hard facts.

How do I compare current accounts?

Finding the best bank account can take hours of painstaking research. Who has time for that? Use our tool to compare other bank account providers against Starling’s personal current account. Easy.

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Starling Bank


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.

Minimum monthly deposit

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

Monthly charge

The account must offer the customer the ability to use a mobile phone app to carry out day to day banking activities. The Starling account is only available on mobile devices.

Mobile phone app

The mobile app must offer at least 3 out of 4 different app-based features for protecting your account. The Starling app allows all four – limiting ATM withdrawals, limiting online transactions, locking/unlocking your debit card, and security by biometrics.

Number of mobile app features for protecting your account



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.

Gross AER - £1,000