Mobile banking security

We go above and beyond to protect you.

Keeping your bank account and personal details secure is of utmost importance to us – from day one we built the mobile app in a way that we can do everything in our power to secure it, whilst also giving you the control to secure aspects as you prefer.

Securing your app

  • Passport or UK driving licence

    To apply for a Starling current account we ask you to share an identity document with us so that we verify the details you have provided to open your account. By doing this we can check that the identification is genuine and it will help prevent identity fraud in the case that someone else has your details.

  • Video identification

    When we verify your details in the account application process we will ask you to film a short video of yourself. This way we can ensure you are who you say you are.

  • Biometric identification

    If your mobile device has the functionality to store fingerprint or facial biometric data you can secure access to your app using this. This is unique to the individual and cannot be stolen from the phone even if it is lost or stolen. Apple states that there is a 1 in 50,000 chance of someone being able to access your phone with their fingerprint matching yours, and 1 in 1,000,000 with a facial match. If your phone doesn’t support biometric security you’ll be asked to set up a passcode instead.

  • Password

    To set up payees and authorise payments we will ask you to setup a password, you’ll also be asked for your password to edit your personal information in the app.

Touch ID screen

Security features

Providing you with features to improve your security

  • Real-time notifications

    So that you are always aware of the transactions your account has been used for, there are real-time notifications. No waiting a number of days to see it in your account.

  • Card control

    We’ve given you complete control over how your account can be used to make debit card payments. Individually select whether you want to enable/disable contactless and chip & pin payments, ATM withdrawals, online payments and mobile wallet. You can also freeze your card’s entire functionality if you think it’s lost or stolen. If you then find it, unfreeze in a tap, or if you don’t, cancel and reissue another in a single tap.

  • Additional passcode option

    If you would like to have Application passcode you can set one up.

Making sure your data is safe

We have built controls across the bank to keep our customers’ personal data secure (some of which we mention above) – no one should be able to access your personal information, apart from you. These controls will also ensure we comply with privacy and data protection regulation and legislation such as the Data Protection Act and GDPR.

Protecting your money

You can be rest assured that as you would expect from your bank, eligible deposits of up to £85,000 are protected by the Financial Services Compensation Scheme.

FSCS logo

We’ve created a whole host of features within our app to improve your online banking experience.

Find out more