Euro banking

A euro bank account in the UK

Hold, send and receive euros for free.

Starling euro account app

We’re not accepting applications for euro accounts at the moment, they’ll be available to apply for again soon.

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 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

Interest rate information

There’s no interest paid on your euro balance.

From 27th July 2022 there is a 0% AER on all deposits, this is a change from the previous rate of -0.5% on balances above €50,000.

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
  • Someone who wants to make Direct Debit payments in euros. For example, UK citizens who need to pay bills for a property they own in Europe
  • Anyone who is looking to save in euros for a future expense, such as a wedding abroad or to buy a house

If you’re planning on going on holiday, you can still spend with your card and withdraw cash with your Starling current account anywhere, for free, without opening a euro account. Find out more about travelling with Starling.

Please note: our euro account can only send SEPA and Target2 payments. Click here to see a list of countries you can send euro payments to.

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.

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...