Transforming global banking
Download our Annual Report and Accounts for 2026, or view our highlights below.
Download our reportNow powering over six million accounts worldwide.
Generating exceptional revenue per user.
Diversifying revenue as Engine continues to scale.
Deepening engagement as users spend and save more with Starling.
£217bn
2025: £197bn
Total transaction value.
£4,241
2025: £3,931
Average deposit balance.
34.5%
2025: 34.9%
Primary relationships.*
*Estimated as the percentage of users with more than £500 of credit transactions per month.
A commitment to customers, reflected by industry recognition and market-leading promoter scores.
Topping the NPS charts for both our current account and savings accounts.*
*Third-party data; Starling tied for first.
Leading the neobanks in service and ranking #6 across all industries.
A Which? Recommended Provider for the seventh year in a row.
Pioneering a new generation of financial features.
From fraud prevention to agentic assistance, this year we were the first to market with a suite of AI-driven tools designed to give customers greater financial clarity and control.
Spending Intelligence.
Instant, conversational insights into your financial habits.
A new visual identity: more vibrant and bolder than before.
A powerful brand campaign, Good with Money, where everyday actions become life-changing habits.
And partnerships with global icons and organisations, like Arsenal FC and Jill Scott MBE (pictured).
Engine is exporting the best of British fintech to the global stage.
Two new landmark partnerships announced.
Opened offices in New York, Toronto, Dubai and a new HQ in London.
Closing in on Committed ARR of £100m in the next 12 months.
The Group at a glance.
Group platform accounts6.2m2025: 5.3m
Profit before taxation£217m2025: £223m
ARPAU£2752025: £302
Revenue£887m2025: £940m
Customer deposits£12.7bn2025: £12.1bn
ROCE (post-tax)24.9%2025: 26.7%
Capital surplus>£525mAs at May 2026. (2025: >£400m)
Engine committed ARR£70m
A note from our Group CEO.
“We are continuing to lead the industry by developing solutions that put the power of AI into customers' hands for the first time.”
Raman Bhatia
Group Chief Executive Officer
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