Euro banking

A euro bank account in the UK

Hold, send and receive euros for free.

Starling euro account app

Have friends or family in Europe that you send or receive money from? Good news – you can hold, send and receive euros for free with a Starling euro account. Get the app, a Mastercard debit card and a bunch of award-winning features to boot.

Want to convert your euros into pounds or vice versa? Make it happen with a tap. You’ll get the current exchange rate with a 0.4% conversion fee added on top to cover our costs. No hidden commission, no sneaky extra charges.

Why it’s great

No account fees

It’s free to hold, send and receive euros with Starling, and there are no monthly fees.

Weekend transfers

Transfer money between your GBP and EUR accounts 24/7, even at the weekends. You’ll always see the exchange rate before the conversion is made, so you have the option to wait until Monday morning.

One-card wonder

Use a single debit card to manage your EUR and GBP accounts. If you want your EUR card transactions to come from your EUR account, go to the ‘Card and Currency Controls’ section in the app and turn it on with a tap.


Our euro account is a full current account with its own unique IBAN – and you can rest easy knowing that your total Starling deposits are covered to £85,000 or equivalent by the Financial Services Compensation Scheme.

FSCS logo
Get started

Interest rate changes

We’ve updated the T&Cs on our Euro Personal Current Account Rates, Fees and Charges to introduce a negative interest rate of -0.5% AER on balances above €50,000. From 1st November 2020, we began charging interest for holding deposits over €50,000. For example, if you’ve got €51,000 in your account, you’ll only be charged interest on that extra €1,000. This brings us into line with the negative interest rates on deposits in force throughout the Eurozone.

If you’d like to view the relevant parts of your updated T&Cs, you can find them on the Legal documentation page.

Who is it for?

Maybe you’re from Bristol but own a flat in Barcelona. You might have moved here from Madrid but send money back to mum. Whatever your situation looks like, the Starling euro account is great for...

  • Anyone who wants to hold euros in their bank account
  • Someone who gets paid in euros but is based here in the UK
  • People who need to send and receive euro payments
  • European expats who want to send money back home to friends and family
  • UK citizens who have property in Europe

Please note: our euro account can only send SEPA and Target2 payments

Secondary accounts are subject to eligibility criteria, which means that the option to apply for these accounts in the app will only be visible for customers that match our criteria.

Get started

Many a happy customer

We think we have the best personal euro 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...

How to get a euro bank account

Apply for a personal account today. Then, apply for a euro account in-app.

Start your application

Already a Starling customer? Open the app, go to the profile menu and click ‘Open a new account’.

Subject to eligibility criteria: the option to apply for a euro account in the app will only be visible for customers that match our criteria.

Open app