Personal banking fees, rates and charges

Personal current account
Summary of fees, rates and charges
Additional GBP personal current 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.
Euro personal current account
Summary of fees, rates and charges
No monthly fee.
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.
Starling Kite card
Summary of fees, rates and charges
Non-refundable £2 per month (paid in advance) per Kite Space and corresponding Kite card.
We will deduct this fee on or around the first day of each month.
Connected card
Summary of fees, rates and charges
We currently don’t charge for Connected cards.
Product, feature or service
Summary of fees, rates and charges
Personal current account
Additional GBP personal current account
Non-refundable £2 per month (paid in advance).
We will deduct this fee on or around the first day of each month.
Euro personal current account
No monthly fee.
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.
Starling Kite card
Non-refundable £2 per month (paid in advance) per Kite Space and corresponding Kite card.
We will deduct this fee on or around the first day of each month.
Connected card
We currently don’t charge for Connected cards.
Personal overdrafts
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.
We will not charge a fee for having an arranged overdraft with us.
See full details of how and when we charge for overdrafts.
Unarranged overdraft (where we have not agreed an overdraft facility with you in advance)
Summary of fees, rates and charges
We will not charge a fee for having an unarranged overdraft with us.
Product, feature or service
Summary of fees, rates and charges
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.
We will not charge a fee for having an arranged overdraft with us.
See full details of how and when we charge for overdrafts.
Unarranged overdraft (where we have not agreed an overdraft facility with you in advance)
We will not charge a fee for having an unarranged overdraft with 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 payments larger than this you will need to request a CHAPS.
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 payments larger than this you will need to request a CHAPS.
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 / other currencies
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 not charge you a fee to deposit money into your account using the Post Office counter service.
However, you may only deposit a maximum of £20,000 into your account using the Post Office counter service per calendar year.
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 / other currencies
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 not charge you a fee to deposit money into your account using the Post Office counter service.
However, you may only deposit a maximum of £20,000 into your account using the Post Office counter service per calendar year.
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 or using the Post Office counter service.
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 or using the Post Office counter service.
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 business account with Starling?
View our business 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.