Starling savings review

Starling 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. From time to time, Starling Bank also runs referral promotions which are worth viewing before signing up.

Starling's top savings rate of 4% is available on its easy access account.

Easy access savings accounts

Starling's best easy access rate of 4% is significantly lower than today's market-best rate of 6%. Compare more instant and easy access accounts up to 6%

Fixed-rate bonds

Starling's best fixed-rate bond rate of 3.7% is lower than today's market-best rate of 5.25%. Compare more fixed-rate bonds up to 5.25%

Business savings accounts

Starling's best business savings account rate of 2.5% is significantly lower than today's market-best rate of 4.87%. Compare more business savings accounts up to 4.87%

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	4%
Best fixed-rate bond rate	3.7%
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 personal savings accounts. One is its Fixed Saver, offering a guaranteed rate of interest for 12 months. The second is its Easy Saver which lets you add to and withdraw your savings whenever you want. Note that Starling is no longer offering business savings accounts.

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 £120,000 across all your Starling accounts.

Easy Saver

Starling’s Easy Saver is an easy access account, so you can add to and withdraw funds whenever you want to, without penalty. However, you can only hold one Easy Saver account. Here are its key features:

• Penalty-free transfers and withdrawals. You can move money into your account and withdraw it as needed.
• Variable interest rate. Starling offers 3.00% AER (variable) on balances up to £1 million.
• No minimum deposit. There’s no set amount you need to pay into your account to open it.
• Eligibility. You must have a personal current account with Starling in order to open its Easy Saver. However other eligibility conditions may apply.
• FSCS protected. Your money is covered by the Financial Services Compensation Scheme (FSCS) up to £120,000 across all your Starling accounts.

Other popular accounts

• Starling current accounts
• Starling teen accounts
• Starling kids’ accounts

How to open an account

To open either the Fixed Saver or Easy Saver, you will first need to open a personal current account.

1. Download the app
2. Create an account by providing your name, date of birth, email address and home address
3. Verify your identity through the app using a selfie video and photo of your ID
4. 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 or Easy Saver via online banking.

You can instantly transfer funds from your current account.

Is it safe?

Starling is covered by the Financial Services Compensation Scheme (FSCS). This means that you are protected up to £120,000. 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 savings accounts.

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

What do customers say about Starling?

90% of customers we surveyed in 2026 would recommend Starling to a friend.

It offers a highly organised, seamless savings experience, especially for those who utilise it alongside their current account. The app's capabilities, clear communication, and top-tier customer service are widely praised.

However, the provider faces some backlash regarding its savings returns; many users reported that previously good interest rates have been reduced, leading some to move their money to higher-paying alternatives.

AI-generated summary from the text of customer reviews on Finder.

Starling and Finder Awards

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.

Alternatively, if you’d prefer to have easy access to your cash, Starling’s Easy Saver is worth a look. However, keep in mind that it’s not the most competitive easy acess account on the market, so it’s worth comparing 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.