Our fourth straight
year of profitability
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Starling Group
We’re loved by millions of people
4.6m
customer accounts now open
79%
of core accounts are active
63
Our industry-leading product NPS score*
Which? recommended, six years in a row
*Third-party data; tied for first.
Our revenue grew to
£714m in 2025
We now hold over £12bn of customer deposits
And our customers spent over £21bn on their cards this year
Overall, the Group continued to perform strongly, with an underlying pre-tax profit of £281m
Innovation is at the heart of what we do
We launched our Easy Saver account, offering customers a competitive interest rate with market-leading flexibility.
Easy Saver at a glance
As of 31 March 2025
Open accounts191k
Total deposits£1.5bn
Average deposit£8.1k
Our new Call Status Indicators, which tell customers if we’re on the phone to them, has reduced bank impersonation fraud by 73% since launch.
We’re using AI across our business, with real benefits for customers
- 8,000 hours have been saved per month, with AI being used to summarise customer calls.
- 60% reduction in the average time taken to answer a customer call, thanks to agents having more time.
- 50% reduction in chats being referred to specialist teams, as AI is helping agents solve issues.
1 2023 and 2024 relate to the calendar years.
Engine saw two SaaS clients launch this year...
…and they're achieving notable scale already.
This year at Starling
£714m
Revenue(2024: £682m)
£223m
Statutory profit before tax(2024: £301m)
17.9%
ROTE(2024: 31.5%)
3.0m
Active core accounts(2024: 2.9m)
£8.7m
Engine revenue(2024: £2.3m)
£218.7
ARPAC(2024: £241.6)
£42.4
Cost to serve(2024: £48.1)
4.12%
Net interest margin(2024: 4.34%)
A note from our Group CEO
“We were able to achieve a fourth straight year of profitability, and to attract more customers, by remaining best-in-class at meeting the needs of our customers. Our ambition is global, and with Engine we are now poised to bring our proprietary technology to a global addressable market of some £100bn.”
Raman Bhatia
Group Chief Executive Officer
