What do I need to apply for a bank account online?
To apply for a business account, please read the full eligibility requirements.
+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 sole trader account, you need to have a personal 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. The option to apply for a sole trader account in the Starling app will only be shown to customers that match our criteria, based on details provided for their personal current account.
To open a business account, submitting documents which confirm the nature of your business at hand will help support your application. Examples could be an invoice, trade registration or letter from your accountant. Then it’s over to our team to approve your details and open your account. Read the full eligibility requirements.
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.
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.