Starling evaluates customer eligibility to make sure we’re lending responsibly. If you’re over 18, live in the UK, have a regular income from employment, pension, property or investments, you might be eligible for a Starling overdraft. You can check if you may be eligible below before you apply for a personal current account.

The result of this tool depends on the accuracy of the information you give. The results serve as a guide and don’t guarantee that you will get an offer for an arranged overdraft of any amount.

If you decide to apply for an overdraft after using this tool, you will be subject to creditworthiness, affordability and fraud checks.

The information you give isn’t stored, and will only be used to provide your results. The eligibility tool doesn’t perform a credit check. Using it won’t negatively affect your credit file.

You can also use our cost calculator tool to check how much an overdraft could cost you.

If you already have a Starling personal current account, you can check your eligibility now, without negatively impacting your credit file, by heading to the Starling app.

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

Start your application