Welcome to the future

Chosen by top-tier banks, fintechs, UK government and corporates, our simple, seamless and secure solution provides 24/7 real-time access to major UK payment schemes.

Our revolutionary payments services replace slow and inflexible legacy platforms with a state-of-the-art Payment-as-a-Service model via RESTful APIs. Thanks to our direct membership of Faster Payments and Bacs, you can take advantage of next-generation payments with no costly infrastructure, business process changes or lengthy waits.

Build the future of financial services

Faster Payments

Send and receive instant payments up to the Faster Payments limit of £1M using our market-leading API-access. Our Faster Payments platform processes transactions in seconds – most providers claim real-time but are only ‘near real-time’, which can mean hours later.

Make real-time payments a reality

Bank-grade payments

We offer one simple integration for all your payment rails through reliable, encrypted, PSD2-compliant APIs.

Real-time means real-time

Our solution offers real-time payments – never batch-based like the majority of FPS providers and tech aggregators. Webhooks provide real-time triggers on activity for customer accounts, including rejected and accepted transactions.

Speed to market

With streamlined SLAs (Service-Level Agreements) and with no physical infrastructure, we can ensure you can be live and start making faster payments in 8-12 weeks.

No upfront investment

We provide simple and transparent pricing with zero capital investment and funds held at the Bank of England so you don’t have to.


Our payments services are not only scalable, but also ensure you’re sheltered from industry and regulatory changes.

Spend more time innovating

Our seamless integration accelerates your time to market and frees up your team to focus on revenue-generating activities.

Who we’re helping

Whether you’re an agency bank launching in the UK, a fintech providing card top-ups, insurance or merchant solutions, or a corporate looking to unlock new revenue streams, our plug and pay solution enables you to deliver flexible, fully-compliant payments.

  • Banks
  • Insurance providers
  • Payroll
  • Cross-border networks
  • Public sector organisations

Apply for a Starling bank account today and enjoy app-based banking at its best.

Start your application