The Financial Conduct Authority requires us to publish the following information about opening a bank account with us.

+Information about how to open a personal current account

To open any of our accounts a new customer will need to provide us with the documents and information set out in the how to apply for an account page. We may request additional information or documents in individual cases.

You can open a personal current account:

  • without visiting a branch - YES
  • where a visit to a branch is required, without an appointment - N/A
  • by sending us documents and information electronically - YES
  • by post - NO.

+Information about how to open a business current account

To open any of our accounts a new customer will need to provide us with the documents and information set out in the how to apply for an account page. We may request additional information or documents in individual cases.

You can open a business current account:

  • without visiting a branch - YES
  • where a visit to a branch is required, without an appointment - N/A
  • by sending us documents and information electronically - YES
  • by post - NO.

+How quickly do we open personal current accounts?

We give customers an account number and enable them to start paying into the account:

  • the same day, for 99% of customers;
  • on average, in 1 day; and
  • within 2 days for 99% of customers.

These figures are based on the time taken from our receiving all the information and documents we ask for on our how to apply for an account page, in a case where we don’t need any further information or documents to open the account.

+How quickly do we open business current accounts?

We give customers an account number and enable them to start paying into the account:

  • the same day, for 85% of customers;
  • on average, in 1 days; and
  • within 6 days for 99% of customers.

These figures are based on the time taken from our receiving all the information and documents we ask for on our how to apply for an account page, in a case where we don’t need any further information or documents to open the account.

+How quickly do we give customers a debit card?

Once an account is open, we give customers a debit card:

  • the same day, for 0% of customers;
  • on average, in 3 days; and
  • within 6 days for 99% of customers.

Note: Starling customers are able to immediately access a virtual card, via their mobile wallet.

+How quickly do customers get internet banking?

Starling offers app-banking on your mobile phone; accounts aren't available through a web browser.

+How quickly is an overdraft available?

Once an account is open, the overdraft is available:

  • the same day, for 100% of customers;
  • on average, in 1 day; and
  • within 1 days for 99% of customers.

Note: This only applies to customers who are eligible for an overdraft.

+How quickly do we replace debit cards which have been lost, stolen or stopped?

We replace debit cards:

  • the same day, for 0% of customers;
  • on average, in 3 days; and
  • within 6 days for 99% of customers.

Note: Starling customers are able to immediately access a virtual card, via their mobile wallet.

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