Starling customer holding bank card

Business accounts

Business current account or sole trader account

Summary of fees, rates and charges

Euro business current account or euro sole trader account

Summary of fees, rates and charges

Non-refundable £2 per month (paid in advance). We will deduct this fee on or around the first day of each month.

See full details of rates and charges associated with this account.

Please note there is a -0.5% AER on positive balances above €50,000 (i.e. interest is charged on the account).

We have a daily transaction limit of €25,000 for our EUR account and you can contact customer service to raise the EUR limit €500,000 temporarily.

See frequently asked questions on euro account subscriptions.

USD business current account

Summary of fees, rates and charges

Non-refundable £5 per month (paid in advance). We will deduct this fee on or around the first day of each month.

See full details of rates and charges associated with this account.

Note this account is not currently available to sole traders.

We have a daily transaction limit of US $25,000 for our USD account. Unfortunately we cannot yet raise the limit for the USD account.

See frequently asked questions on USD account subscriptions.

Product, feature or service

Summary of fees, rates and charges

Business current account or sole trader account

Euro business current account or euro sole trader account

Non-refundable £2 per month (paid in advance). We will deduct this fee on or around the first day of each month.

See full details of rates and charges associated with this account.

Please note there is a -0.5% AER on positive balances above €50,000 (i.e. interest is charged on the account).

We have a daily transaction limit of €25,000 for our EUR account and you can contact customer service to raise the EUR limit €500,000 temporarily.

See frequently asked questions on euro account subscriptions.

USD business current account

Non-refundable £5 per month (paid in advance). We will deduct this fee on or around the first day of each month.

See full details of rates and charges associated with this account.

Note this account is not currently available to sole traders.

We have a daily transaction limit of US $25,000 for our USD account. Unfortunately we cannot yet raise the limit for the USD account.

See frequently asked questions on USD account subscriptions.

Business overdrafts

Business current accounts: arranged overdraft (where we have agreed an overdraft facility with you in advance)

Summary of fees, rates and charges

We will charge interest at the specific interest rate confirmed and viewable to you in your app. Interest accrues on a daily basis.

If you go over your limit, we will charge interest at the same rate as your arranged overdraft facility.

We also charge an annual fee of the greater of: (i) 1.5% of your limit; or (ii) £50. This fee is payable in advance.

See full details of how and when we charge for overdrafts.

Sole trader accounts: arranged overdraft (where we have agreed an overdraft facility with you in advance)

Summary of fees, rates and charges

If we offer you an overdraft facility and you accept this, we will charge interest at 15% AER (variable).

Interest accrues on a daily basis.

If you go over your limit, we will charge interest at the same rate as your arranged overdraft facility.

We will not charge a fee for having an arranged overdraft with us.

See full details of how and when we charge for overdrafts.

Business current accounts and sole trader accounts: unarranged overdraft; or the account is in arrears

Summary of fees, rates and charges

For unarranged overdrafts (i.e. where we have not agreed an overdraft facility with you in advance) we charge interest at 15% EAR.

We do not charge an annual fee.

See full details of how and when we charge for overdrafts.

Euro business current accounts and euro sole trader accounts: unarranged Overdraft; or the account is in arrears

Summary of fees, rates and charges

For unarranged overdrafts (i.e. where we have not agreed an overdraft facility with you in advance) we charge interest at 15% EAR.

We do not charge an annual fee.

See full details of how and when we charge for overdrafts.

US dollar business current accounts: unarranged overdraft; or the account is in arrears

Summary of fees, rates and charges

For unarranged overdrafts (i.e. where we have not agreed an overdraft facility with you in advance) we charge interest at 15% EAR.

We do not charge an annual fee.

See full details of how and when we charge for overdrafts.

Product, feature or service

Summary of fees, rates and charges

Business current accounts: arranged overdraft (where we have agreed an overdraft facility with you in advance)

We will charge interest at the specific interest rate confirmed and viewable to you in your app. Interest accrues on a daily basis.

If you go over your limit, we will charge interest at the same rate as your arranged overdraft facility.

We also charge an annual fee of the greater of: (i) 1.5% of your limit; or (ii) £50. This fee is payable in advance.

See full details of how and when we charge for overdrafts.

Sole trader accounts: arranged overdraft (where we have agreed an overdraft facility with you in advance)

If we offer you an overdraft facility and you accept this, we will charge interest at 15% AER (variable).

Interest accrues on a daily basis.

If you go over your limit, we will charge interest at the same rate as your arranged overdraft facility.

We will not charge a fee for having an arranged overdraft with us.

See full details of how and when we charge for overdrafts.

Business current accounts and sole trader accounts: unarranged overdraft; or the account is in arrears

For unarranged overdrafts (i.e. where we have not agreed an overdraft facility with you in advance) we charge interest at 15% EAR.

We do not charge an annual fee.

See full details of how and when we charge for overdrafts.

Euro business current accounts and euro sole trader accounts: unarranged Overdraft; or the account is in arrears

For unarranged overdrafts (i.e. where we have not agreed an overdraft facility with you in advance) we charge interest at 15% EAR.

We do not charge an annual fee.

See full details of how and when we charge for overdrafts.

US dollar business current accounts: unarranged overdraft; or the account is in arrears

For unarranged overdrafts (i.e. where we have not agreed an overdraft facility with you in advance) we charge interest at 15% EAR.

We do not charge an annual fee.

See full details of how and when we charge for overdrafts.

Business Toolkit

Summary of fees, rates and charges

Non-refundable £7 per month (paid in advance).

We will deduct this fee on or around the first day of each month.

See frequently asked questions on Toolkit subscriptions.

Product, feature or service

Summary of fees, rates and charges

Business Toolkit

Non-refundable £7 per month (paid in advance).

We will deduct this fee on or around the first day of each month.

See frequently asked questions on Toolkit subscriptions.

Insufficient funds

Refusing a payment due to lack of funds

Summary of fees, rates and charges

No fee charged.

Allowing a payment despite lack of funds

Summary of fees, rates and charges

We will not charge a fee if we allow a payment despite a lack of funds in your account. However, you must repay the amount you owe to us immediately or you will be considered to be in arrears.

We will also charge interest at the rates set out above (for unarranged overdrafts and arrears) on the amount you owe us.

Product, feature or service

Summary of fees, rates and charges

Refusing a payment due to lack of funds

No fee charged.

Allowing a payment despite lack of funds

We will not charge a fee if we allow a payment despite a lack of funds in your account. However, you must repay the amount you owe to us immediately or you will be considered to be in arrears.

We will also charge interest at the rates set out above (for unarranged overdrafts and arrears) on the amount you owe us.

Sending money in the UK

Sending money within the UK via Faster Payments, direct debits and standing orders

Summary of fees, rates and charges

No charge.

We have a daily transaction limit of £25,000 for our GBP account, you can contact customer service to temporarily raise this up to £500,000.

To make GBP payments larger than £500,000 in any one day you will need to request a CHAPS payment.

Sending money within the UK via CHAPS

Summary of fees, rates and charges

£20 for each CHAPS payment you instruct us to make.

Product, feature or service

Summary of fees, rates and charges

Sending money within the UK via Faster Payments, direct debits and standing orders

No charge.

We have a daily transaction limit of £25,000 for our GBP account, you can contact customer service to temporarily raise this up to £500,000.

To make GBP payments larger than £500,000 in any one day you will need to request a CHAPS payment.

Sending money within the UK via CHAPS

£20 for each CHAPS payment you instruct us to make.

Sending money outside of the UK

Sending money outside of the UK (third party accounts)

Summary of fees, rates and charges

We will use the exchange rate and charge you the fees shown within the international Payments page of the app:
0.4% transfer fee + local fees for each currency we support (see country fees).
Plus £5.50 for a SWIFT payment.

Please also note that your payee’s bank and other banks involved in processing the payment may charge additional fees for your payee to receive the payment. This means that the amount your payee receives may be less than the amount shown on the International Payments page in the app. We do not have any control over these additional charges.

Please note there is a £10,000 daily limit on international payments.

Currency transfers between your Starling accounts (e.g. GBP to EUR)

Summary of fees, rates and charges

We will use the exchange rate and charge you the fees shown within the international Payments page of the app:
0.4% transfer fee + local fees for each currency we support (see country fees).

Product, feature or service

Summary of fees, rates and charges

Sending money outside of the UK (third party accounts)

We will use the exchange rate and charge you the fees shown within the international Payments page of the app:
0.4% transfer fee + local fees for each currency we support (see country fees).
Plus £5.50 for a SWIFT payment.

Please also note that your payee’s bank and other banks involved in processing the payment may charge additional fees for your payee to receive the payment. This means that the amount your payee receives may be less than the amount shown on the International Payments page in the app. We do not have any control over these additional charges.

Please note there is a £10,000 daily limit on international payments.

Currency transfers between your Starling accounts (e.g. GBP to EUR)

We will use the exchange rate and charge you the fees shown within the international Payments page of the app:
0.4% transfer fee + local fees for each currency we support (see country fees).

Receiving and depositing money

Receiving money into your account from the UK

Summary of fees, rates and charges

Free of charge to receive £ Sterling into your account.

Receiving money into your account from outside the UK

Summary of fees, rates and charges

At this stage we can only receive money into your account in £ Sterling or Euro.

If you receive Euros into your £ Sterling denominated account we will apply the real exchange rate and add a 2% conversion fee.

There is no charge for receiving Euros into your euro account, or receiving £ Sterling into your GBP denominated account.

Depositing money into your Account through the Post Office counter service

Summary of fees, rates and charges

We will charge you the following fees to deposit money into your account using the Post Office counter service:
Deposits of up to £1000: £3, and:
Deposits of £1000 and above: 0.3% of the amount deposited.

Product, feature or service

Summary of fees, rates and charges

Receiving money into your account from the UK

Free of charge to receive £ Sterling into your account.

Receiving money into your account from outside the UK

At this stage we can only receive money into your account in £ Sterling or Euro.

If you receive Euros into your £ Sterling denominated account we will apply the real exchange rate and add a 2% conversion fee.

There is no charge for receiving Euros into your euro account, or receiving £ Sterling into your GBP denominated account.

Depositing money into your Account through the Post Office counter service

We will charge you the following fees to deposit money into your account using the Post Office counter service:
Deposits of up to £1000: £3, and:
Deposits of £1000 and above: 0.3% of the amount deposited.

Cash withdrawals

Cash withdrawal in £ Sterling in the UK

Summary of fees, rates and charges

We will not charge a fee for withdrawing £ Sterling from ATMs in the UK.

If you withdraw cash using the Post Office counter service, we will charge you £0.50 per withdrawal.

Please note our cards do not work at Link cash machines.

Cash withdrawal in foreign currency outside the UK

Summary of fees, rates and charges

We will not charge you a fee for withdrawing cash in foreign currency outside the UK. However, the Mastercard exchange rates will apply to any such withdrawal and you may also be charged a fee by the local ATM provider.

Product, feature or service

Summary of fees, rates and charges

Cash withdrawal in £ Sterling in the UK

We will not charge a fee for withdrawing £ Sterling from ATMs in the UK.

If you withdraw cash using the Post Office counter service, we will charge you £0.50 per withdrawal.

Please note our cards do not work at Link cash machines.

Cash withdrawal in foreign currency outside the UK

We will not charge you a fee for withdrawing cash in foreign currency outside the UK. However, the Mastercard exchange rates will apply to any such withdrawal and you may also be charged a fee by the local ATM provider.

Debit card payments

Debit card payment in £ Sterling

Summary of fees, rates and charges

We will not charge a fee for making a payment in £ Sterling, whether in a shop, online or over the phone.

Debit card payment in a foreign currency

Summary of fees, rates and charges

We will not charge a fee for making a payment in a foreign currency. However, if you choose to make the payment in the foreign currency, the Mastercard exchange rates in force from time to time will apply:
If you choose to make the payment in £ Sterling, the merchant will apply their own exchange rate and may apply their own fees.

Product, feature or service

Summary of fees, rates and charges

Debit card payment in £ Sterling

We will not charge a fee for making a payment in £ Sterling, whether in a shop, online or over the phone.

Debit card payment in a foreign currency

We will not charge a fee for making a payment in a foreign currency. However, if you choose to make the payment in the foreign currency, the Mastercard exchange rates in force from time to time will apply:
If you choose to make the payment in £ Sterling, the merchant will apply their own exchange rate and may apply their own fees.

Additional services

Replacement debit cards within the UK

Summary of fees, rates and charges

We may charge you a fee of £5 for each replacement debit card and the replacement debit card will be delivered to the UK address we hold for you at the time.

Replacement debit card overseas

Summary of fees, rates and charges

If you lose your card or it is stolen while you are overseas, we may charge you a fee of £60.

Certifying documents

Summary of fees, rates and charges

We may charge you a fee of £20 for certifying documents relating to your account.

Product, feature or service

Summary of fees, rates and charges

Replacement debit cards within the UK

We may charge you a fee of £5 for each replacement debit card and the replacement debit card will be delivered to the UK address we hold for you at the time.

Replacement debit card overseas

If you lose your card or it is stolen while you are overseas, we may charge you a fee of £60.

Certifying documents

We may charge you a fee of £20 for certifying documents relating to your account.

Do you have a personal account with Starling?

View our personal fees, rates and charges.

*EAR means Equivalent Annual Rate. This is a representative interest rate that shows what you would pay if you go into your overdraft facility and remain overdrawn for a year. Interest is accrued daily, charged monthly and it is all updated in your app and online banking.

*AER means Annual Equivalent Rate. This is the rate of interest a saver will receive over a year assuming the credit balance is left in your account for the full year.

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