Easy access
Starling Bank savings review
Starling offers a select range of savings accounts with interest rates up to 3.8%.
No reviews yet.
Write a review
Starling Bank has made a name for itself as a digital bank which looks to offer innovative products and help customers manage their finances better. Building on the success of its personal current account, Starling has branched out into offering savings accounts.
Starling's top savings rate of 3.8% is available on one of its fixed-rate bond accounts.
Easy access savings accounts
Table: sorted by interest rate
Starling's best easy access rate of 3.75% is significantly lower than today's market-best rate of 6%.
1 of 1
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseFixed-rate bonds
Table: sorted by interest rate
Starling's best fixed-rate bond rate of 3.8% is significantly lower than today's market-best rate of 7.5%.
1 of 1
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseBusiness savings accounts
Table: sorted by interest rate
Starling's best business savings account rate of 2.5% is significantly lower than today's market-best rate of 4.55%.
1 of 1
Compare other products
We currently don't have that product, but here are others to consider:
How we picked these
What is Starling's best savings account with the highest interest rate?
The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.
Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Starling offers, plus the highest interest rate currently available.
| Savings account types include | Easy access, fixed-rate bonds, business |
|---|---|
| Best easy access rate | 3.75% |
| Best fixed-rate bond rate | 3.8% |
| Best business savings account rate | 2.5% |
| Fixed bond terms | 1 year |
| Opening options | Website, mobile app |
| FSCS protection |
What savings accounts does Starling offer?
Starling has 2 different types of savings services. One is its Fixed Saver, offering a guaranteed rate of interest for 12 months. The second is its Savings Spaces, which are virtual piggy banks where customers can put money to one side.
Fixed Saver
Starling’s 1-Year Fixed Saver offers a guaranteed rate of interest for 12 months. Here are its key features:
- Fixed rate. You can earn a very respectable rate on your savings, paid at the point of maturity.
- Deposit. There is a minimum deposit requirement of £2,000. You can also save up to £1 million.
- Eligibility. You must have a personal current account with Starling in order to open its Fixed Saver. However other eligibility conditions may apply.
- Multiple accounts. Customers can open multiple Fixed Savers.
- FSCS protected. Your money is covered by the Financial Services Compensation Scheme (FSCS) up to £85,000 across all your Starling accounts.
Savings Spaces
Starling’s Savings Spaces sit within your bank account, but the money is kept separate from your main balance. They are not technically separate savings accounts. Instead, they are virtual piggy banks designed to help you visualise your savings goals.
- Transfers. You can move money from your main account to one of your spaces easily within your apps.
- Interest. Starling offers 0.05% AER on current account balances, including its Savings Spaces.
- Round-ups. You can use Starling’s Round Ups feature to automatically send the space change to your chosen Space.
- Virtual cards. You can create a virtual debit card and link it to a Savings Space, allowing you to spend directly from that pot.
Other popular accounts
How to open an account
To open either the Fixed Saver or create a Savings Space, you will first need to open a personal current account.
- Download the app
- Create an account by providing your name, date of birth, email address and home address
- Verify your identity through the app using a selfie video and photo of your ID
- Wait to be approved (this usually only takes a few minutes)
Once your personal current account is set up, you can open your Fixed Saver via online banking.
Savings Spaces can be created in-app and funds can be instantly transferred from your main account balance.
Is it safe?
Starling is covered by the Financial Services Compensation Scheme (FSCS). This means that you are protected up to £85,000. However, it’s important to note that is across all your Starling accounts. So, you will need to factor in how much you have in your main current account balance as well as your Fixed Saver.
If you fall victim to fraud, Starling is regulated by the Financial Conduct Authority. Its app also has several security features to protect your account including passcode and password protection, live records of your transactions and home screen notifications to alert you to any strange activity on your account.
Pros and cons
Pros
- Competitive interest rates
- Easy account management in-app
- Multiple accounts can be held
- FSCS protected
Cons
- Limited range of savings products available
- No bank branches or face-to-face communication with Starling Bank staff member
- Interest paid at maturity
Starling customer reviews
In our independent 2025 customer satisfaction survey, 87% of Starling’s users said they’d recommend Starling’s savings accounts to a friend.
In the App Store, the Starling app scores 4.9 out of 5 from more than 550,000 reviews. Over at the Google Play store, it scores 4.8 out of 5 from around 129,000 reviews.
On Trustpilot, Starling has a score of 4.3 out of 5 from over 44,000 customer reviews.
These were checked in May 2025.
Our verdict: Is a savings account from Starling worth it?
If you are looking for a short-term place to put your savings and earn some interest, then it’s worth considering Starling’s Fixed Saver. Although you need to be a personal current account customer, it is quick and easy to get yourself set up with an account. As long as you are happy not to have access to your money for 12 months, then you can earn a decent rate of interest.
Starling’s Savings Spaces are also a good money management tool. However, with minimal interest paid on your money, they are better used for budgeting rather than for growing your savings over the short term.
If neither of Starling’s savings options appeal to you, then take a look at what other savings accounts are available.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
FREE interest rate alerts
Sign up to receive the latest deals, expert tips, and a chance to win £400! (T&Cs)
Error placeholder Click here to sign in
More resources on Finder
More guides on Finder
-
Revolut savings review
Revolut now offers savings accounts to its customers, known as Savings Vaults. You can get interest of paid daily, but the rate depends on which level of account you have. Find out whether Savings Vaults are a good option for your spare cash.
-
NatWest Digital Regular Saver account review
Get into the savings habit with the NatWest Digital Regular Saver account.
-
Chase Saver account review
Discover more about the Chase Saver account, including how the boosted rate works and whether it’s worth it.
-
Hargreaves Lansdown Active Savings review
Find out how the Active Savings product from Hargreaves Lansdown works and how you can use it to manage several savings accounts in one place.
-
Monzo savings review
By bringing together competitive interest rates and smart app features, Monzo makes a great choice for small savers. Here’s how Monzo savings accounts work.
-
Halifax savings rates review, from savings accounts to ISAs
Whatever you’re saving for, find the right Halifax savings account for you. Our detailed guide walks you through which of Halifax’s savings accounts is for you.
-
Marcus savings accounts
Goldman Sachs has launched its savings bank Marcus in the UK. Our review covers the features of its easy-access savings account vs the competition.
-
Nationwide savings account rates compared
Nationwide’s savings account options explained. Whether you’re happy to tie up your money or need instant access, we’ve covered the options.
-
AA savings accounts overview
Find out more about the breakdown specialists, and see if they can provide you with the right savings account.
-
Best NatWest savings accounts compared
The fast pace of the UK banking market forces so-called ‘big banks’ like NatWest to stay ahead of the curve. By constantly refining the user experience with improvements to online banking and mobile apps, NatWest remains one of the UK’s most popular banks.