Open a bank account online with Starling

At Starling, we do things a little differently. Open a bank account online using only your smartphone - it’s quick, straight-forward and easy.

Starling app and video id

 Voted Britain’s Best Bank 2018, 2019, 2020 & 2021

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Our online bank accounts for individuals

Current account icon

Current account

Free to open, easy to manage – with instant notifications, spending insights and more.

Joint account icon

Joint account

Spend, save and manage your money together, from the same app-based account.

Euro account icon

Euro account

Hold, send and receive euros for free, and make transfers back into pounds 24/7.

Teen account icon

Teen account

It’s designed for 16-17 year olds and can be opened with just a passport as ID.

Open a bank account online by getting our app today.

Get started
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Man sitting on a bench outside shop

Our online bank accounts for businesses

Business account icon

Business account

Enjoy no monthly fees and clever features to help your business grow.

Sole trader account icon

Sole trader account

It’s free to apply, easy to set up and you’ll benefit from 24/7 support.

Business euro icon

Euro business account

Hold, send and receive euro payments, all for just £2 a month.

Business usd icon

USD business account

For £5 a month, you can hold, send and receive dollar payments.

Open a bank account online by getting our app today.

Get started

What do I need to apply for a bank account online?

  • A smartphone (and signal)
  • A valid photo ID (passport or driving license)
  • About 5-10 minutes of your time

To apply for a business account, please read the full eligibility requirements.

Bird’s-eye view of Starling app, coffee and a passport

How do I open a bank account online?

‘Application form’. Sounds time-consuming, right? Wrong. Ours is 100% digital, which means you can do it wherever – and it takes just a few minutes to submit.

+Read account requirements

To open a personal euro account, you need to have a personal current account.

To open a joint account, both parties need to have a current account.

To open a USD business account, you need to have a business account.

To open a euro business account, you need to have a business or sole trader account.

Business and sole trader accounts are subject to eligibility checks, which include looking at credit data and understanding the nature of your business.

To open a business account, submitting documents which confirm the nature of your business at hand will help support your application. Examples could be a trade registration or bank statement which shows your business activity. Then it’s over to our team to approve your details and open your account. Read the full eligibility requirements.

It’s easy to switch to Starling

Already have an account with another bank? No problem. We’ll take care of everything for you.

Switch your current account.
Switch your business account.

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What happens after I’ve opened my account online?

Read our article explaining bank accounts.

Once your account has been opened, you can order your new contactless Mastercard debit card from within the app and it should arrive in 3-5 business days.

If you want to start spending straight away, you can set up your card in your Apple Pay wallet or Google Pay before your physical card arrives in the post. Samsung Pay, Garmin Pay and Fitbit Pay can be set up once your card has arrived.

A card transaction in progress

The small print

When you apply for a current account with us, we’ll carry out some quick checks at a UK Credit Reference Agency. The initial checks leave a soft footprint on your credit file, and the overdraft check leaves a hard credit check footprint. If we need additional proof of address information we’ll get in touch via the app.

Apple Pay, Apple, Apple Wallet and Touch ID are trademarks of Apple Inc. Android™, Google Pay and Google Play are trademarks of Google LLC.

The Financial Conduct Authority requires us to share service information about opening an account with us.

Personal current account service information.
Business account service information.