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Organise your finances with Saving Spaces

What are Saving Spaces?

Think of them as virtual change jars. Your money is kept separate from your main balance – so you’ll never accidentally dip into your savings. Spaces are very visual, so you can see how close you are to reaching your goal.

Earn interest with our free current accounts

Earn 3.25% AER* / 3.19% Gross* (variable) interest on balances up to £5,000 for personal and joint accounts. You will earn interest on the money in your main balance together with any money in Spaces, including Connected card and Kite. Interest is calculated daily and paid monthly. This rate does not apply to the Fixed Saver, which is a savings product with its own rate.

Find out more about personal accounts and joint accounts.

We also offer fixed term savings: set money aside for a year in a Fixed Saver, and earn 4.48% AER/gross interest.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. See illustrative example.


We built Saving Spaces because we believe that visualising all the great things you’re saving for (and viewing them as individual objectives) means you’ll get there faster.

  • Easy.
    Transfer money in and out of Spaces with a few taps. Or use our Split payment tool to spread money across different Spaces and accounts in one go.

  • Automatic.
    With our Round Ups feature, you can round up whatever you spend to the nearest pound and send the spare change to your chosen Space. Multiply the amount for even speedier saving.

  • Visual.
    Personalise your Space by giving it a name and a photo. It helps to keep your eye on the prize.
  • Organised.
    Put your Spaces in any order you like, and get notified whenever the balance changes.

How it works

What’s new...

Introducing virtual cards. Spend directly from a Saving Space and never accidentally go over budget again. A virtual card is linked to your chosen Space, and can only spend money you’ve set aside. It also keeps your main debit card’s information private, giving you even more security. Find out more about virtual cards.

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

Start your application