Starling joint accounts

Starling’s joint account has a lot of features which helps make managing shared finances that bit easier.

Our verdict: is a joint account with Starling worth it?

Starling’s joint bank account has a lot to offer and if you’re looking to get better at managing your joint finances, it’s certainly worth considering.

Its handy Bills Manager feature makes setting aside enough cash and paying bills a doddle, while it’s easy to keep track of how much you’re spending thanks to its spending insights and analytics.

However, although you can set aside extra cash into different Spaces, these pots don’t pay interest and there are no other joint savings options available. So if you’re looking to save money together in a separate account, you might want to look elsewhere.

Pros and cons of a Starling joint account

Does Starling offer a joint account?

Yes, Starling does offer a joint bank account. It comes with a green-coloured debit card for each account holder that can be used for shared spending in the UK and abroad, fee-free.

The account operates in the same way as a sole account, and you can set up direct debits and standing orders to pay bills. However, remember that you can both access the money in the account, so it’s crucial to only share an account with someone you trust.

As Starling has a UK banking licence, your joint funds are protected up to £120,000 per person under the Financial Services Compensation Scheme (FSCS).

Which accounts are joint?

Starling only offers one joint bank account. It has no monthly fee and offers a range of benefits including fee-fee spending overseas, spending insights and analytics, and a low balance warning.

It also includes a Bills Manager feature that automatically sets aside money for your bills and pays them too. Plus, the round-ups feature rounds up your spending to the nearest £1 and transfers the difference to a separate pot. These pots are known as Spaces and are kept separate from your main balance. You can set up multiple Spaces so you can set aside cash for different purposes.

Overdrafts are not yet available on joint accounts.

How do I get a joint account with Starling?

To apply for a joint account with Starling, both account holders must already have a personal account with the bank. You’ll need to open the joint account together and you can do this in the app by following the steps below at the same time:

1. Open the main menu at the top right of the home screen
2. Tap ‘Open a new account’
3. Tap ‘Joint account’
4. Tap ‘Next’, then ‘Continue’ to set up
5. Tap ‘Find them now’ to link your application to the other person’s

Note that you can’t add another person to an existing sole account or change a personal account into a joint one.

To make sure you get accurate and helpful information, this guide has been edited by Kate Steere as part of our fact-checking process.

Written by

Rachel Wait

Writer

Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full bio