Keeping your money and personal details safe and secure is our biggest priority. We’ve worked hard to ensure that Starling is safe by building the very best security from scratch alongside features that give you complete control.

How the Starling app is secured

Passport or UK driving licence

To apply for our current account, we’ll ask you to share a government-issued identity document so we can verify the details you’ve given us and check they’re genuine, which helps to prevent identity fraud.

Video identification

When we verify your details in the account application process, we’ll ask you to film a short video of yourself so we can make sure that it’s really you.

Mandatory passcode

We set a mandatory per device PIN code to keep your app secure, as well as utilising biometrics where supported.

Password

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

Features to help keep you safe

Real-time notifications

Instant notifications keep you in the loop about what’s coming in and out of your account. So if there are transactions you don’t recognise, you’ll know about it – and fast.

Card control

Get total control over your debit card. Choose whether you want to allow or disable contactless or chip & pin payments, ATM withdrawals, online payments and your mobile wallet – or freeze or cancel your card instantly if you think it might be lost or stolen.

Biometric identification

Fingerprint or facial recognition is one of the most secure ways to log in to your app. It’s worth setting up if your phone supports it.

3D Secure

3D Secure offers an extra layer of security when you use your card online and enables us to request authorisation for certain purchases. When this is required we’ll send you a push notification for you to approve the transaction directly in-app.

Confirmation of Payee

Additional security measures designed to combat financial fraud when making a payment. Confirmation of Payee will confirm that the name on the account you are paying is who you think it is.

Fighting fraud

Financial fraud has become very sophisticated and these crimes can have a devastating impact on victims. We consider it our responsibility to educate customers on the types of scams we know to exist, and how you can spot these.

Find out more about how to protect yourself against fraud

Find out more about money mules

Find out more about how we approach fraud prevention

Making sure your data stays safe

No one but you should be able to access your personal information, so we’ve built controls across the entire bank to make sure your personal data stays safe and secure. These controls also make sure we’re compliant with privacy and data protection regulation and legislation such as the Data Protection Act and GDPR.

Peace of mind

As you’d expect from your bank, your eligible deposits up to £85,000 are protected by the Financial Services Compensation Scheme.

Further reading

Have a read through our blog posts, which offer plenty of useful tips on how to protect your money online and avoid fraud.

Protecting your money
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