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Starling Bank review Ireland

Starling Bank is not yet available in Ireland but take a closer look at what you can expect when it arrives.

Starling Bank is not available in Ireland yet

Starling Bank has been planning to open in The Republic of Ireland since 2017, however, it has faced several delays due to complications from Brexit and the Coronaviris pandemic.

In August 2020, Starling confirmed it has resumed discussions with the Central Bank of Ireland to obtain a licence and has also started setting up its Ireland HQ.

This review will highlight the features, benefits and offers to Starling Bank customers in the UK so you have an idea of what to expect when Starling launches in Ireland. All amounts in Euros are taken directly from Starling Bank’s website, as UK customers are also able to hold accounts in € EUR as well as £ GBP.

If you’re looking to switch, you can compare current accounts available in Ireland here.

What is Starling Bank?

Starling Bank offers users a UK current account that can be opened and managed directly from the app. It aims to make banking easier and more customer-centric and make your finances accessible to you wherever you are.

After signing up, you get a current account, a debit card and an app that’s all about helping you understand where your money goes, budget and save.

Key features

  • Payments. Just as with any payment system, there’s a feature for transferring your current standing orders from your old bank.
  • Add money. There is no limit to how much you can add to your account. Add as much as you like using “Faster Payments” and online banking.
  • Spending. Get a record of your transactions, categorised to let you know what you’re spending your money on, which gives you an idea of where you can save.
  • Goals. This is basically a digital piggy bank. You set your goal and then squirrel cash away either manually or automatically, encouraging you to save more.
  • Card. Starling sends you a physical card when you sign up. From the app, you can activate the card, let Starling know if you’re travelling abroad and manually deactivate it if it gets lost or stolen.
  • Overdraft/loan facility Eligible account holders can be given an overdraft facility, or a fixed-rate Starling loan (UK).
  • Marketplace. Starling’s partnerships with third-party financial technology companies offer ways to compare insurance, pensions and mortgages.
  • Simple foreign spending. You won’t incur any extra fees for using your Starling card overseas. When you pay in a foreign currency, the money will be converted at the Mastercard exchange rate.

The card does all you can expect, from making payments to allowing you to withdraw cash from ATMs. Deposits can be made in the UK at any Royal Mail Post Office, as there are no physical Starling branches.

Fees and limits

  • Free current account and transactions. Starling doesn’t charge you for basic transactions and banking services. There’s no monthly fee and card payments and ATM withdrawals are free when withdrawing Euros at home and abroad.
  • International money transfers. Transferring Euros from your account to other Euro bank accounts is free using the following methods: SEPA, Direct Debit, Standing Orders (ie, recurring SEPA payments). If you would like to send money to an account in a currency other than Euros, then Starling charges a fee depending on market exchange rates and show you the calculated fees before you confirm the transfer.

How do customers rate Starling Bank and its app?

Starling Bank uses Trustpilot to gather customer reviews, which it highlights on its website.

It scores 4.3 out of 5 based on 25,496 customers reviews, with 74% of all reviews rating it Excellent.

Starling Bank’s app is available on both Google Play and the App Store and has the following ratings:

Google Play Store4.3 out of 5, based on 65,092 customer reviews
Apple App Store4.9 out of 5, based on 279,800 customer reviews

Reviews are accurate as of 5 January 2022

The verdict

Some of us have had Starling for a while and we’re all quite impressed. The app looks a bit more serious than those offered by Revolut or Monzo, but is very user-friendly and efficient. Starling is also constantly expanding its range of features.

Starling is especially competitive for travelling abroad and, besides not charging any fees for foreign card payments, also has the highest fee-free foreign ATM withdrawal limit (£300 a day) available on the market.

All in all, it’s a great bank for people who want a solid current account with practically no fees and an excellent mobile experience.

Unfortunately, if you’re based in Ireland, you’ll have to wait until it is launched before you’ll be able to sign up for an account.

How to sign up to Starling Bank as an Irish customer living in the UK

Starling Bank has not established operations in Ireland yet. However, if you are an Irish citizen but reside in the UK you can still open an account. According to Starling customer service, the following is required:
One of the following documents:

  • A valid passport
  • EU/EEA ID card
  • UK residence card
  • UK photo driver’s licence (full or provisional)

Additionally, Starling may also require you to provide proof of your address. If you are asked to provide this, it can accept documents such as:

  • Current UK driver’s licence with current address (unless already submitted as proof of ID)
  • UK bank statement with current address
  • Utility bill with current address
  • Council tax letter with current address

Starling Bank is expected to open in Ireland in 2021.

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