{"id":94666,"date":"2018-09-13T14:57:53","date_gmt":"2018-09-13T13:57:53","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=94666"},"modified":"2026-04-23T14:46:40","modified_gmt":"2026-04-23T13:46:40","slug":"starling-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review","title":{"rendered":"Starling review"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; }\n#user-review-promo-rating-stars span.luna-stars:hover~span::after { width: 100%; }\n#user-review-promo-user, #user-review-promo-review, #user-review-promo-btn,\n#user-review-promo-members { display: none; transition: 1s all; opacity: 0; }\n#user-review-promo-close { font-size: 1.5em; text-align: right; padding-right: 0.5em; }\n#user-review-promo-close:hover { cursor: pointer; }\n#user-review-promo-core { display: none; }\n.lds-facebook { display: inline-block; position: relative; width: 80px; height: 80px; }\n.lds-facebook div { display: inline-block; position: absolute; left: 8px; width: 16px; background: #2ea8ff; animation: lds-facebook 1s cubic-bezier(0, 0.5, 0.5, 1) infinite; }\n.lds-facebook div:nth-child(1) { left: 8px; animation-delay: -0.24s; }\n.lds-facebook div:nth-child(2) { left: 32px; animation-delay: -0.12s; }\n.lds-facebook div:nth-child(3) { left: 56px; animation-delay: 0; }\n@keyframes lds-facebook { 0% { top: 8px; height: 64px; } 50%, 100% { top: 24px; height: 32px; } }\n<\/style>\n\n\n\n<div id=\"user-review-promo\">\n<div id=\"user-review-promo-content\">\n<div id=\"user-review-promo-close\" style=\"display: none\">x<\/div>\n\n<div id=\"review-loader\" class=\"lds-facebook\"><div><\/div><div><\/div><div><\/div><\/div>\n\n<div id=\"user-review-promo-core\">\n<img decoding=\"async\" id=\"user-review-promo-img\" src=\"\" style=\"max-width: 200px;\" loading=\"lazy\">\n<p class=\"u-italic text-xxx-large\">Leave a review<\/p>\n<p id=\"user-review-promo-copy\" class=\"u-border--b u-border--normal u-border--solid has-padding-bottom-small\"><\/p>\n\n<div id=\"user-review-promo-element\" class=\"has-margin-small\">\n<div id=\"user-review-promo-rating\">\n<div id=\"user-review-promo-rating-copy\"><\/div>\n<div id=\"user-review-promo-rating-stars\">\n<span id=\"star1\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"5\">\u2605<\/span>\n<span id=\"star2\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"4\">\u2605<\/span>\n<span id=\"star3\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"3\">\u2605<\/span>\n<span id=\"star4\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"2\">\u2605<\/span>\n<span id=\"star5\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"1\">\u2605<\/span>\n<\/div>\n<\/div>\n<div id=\"user-review-promo-review\">\n<p class=\"has-margin-bottom-xsmall\">Your review<\/p>\n<p id=\"user-review-promo-review-description\" style=\"font-size: .8em;\"><\/p>\n<textarea id=\"user-review-promo-review-text\" class=\"luna-input review\" style=\"width: 100%; min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.starlingbank.com\/\" class=\"luna-button luna-button--primary\">Return to Starling<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? Share your view on Finder to help others make a great choice, and you could win \" + '&pound;400!');\n$(\"#user-review-promo-review-description\").html(\"Tell us about your experience with \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \". What did you like or dislike? What are the pros and cons? 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}\n$(\"#user-review-promo-rating\").css(\"display\", \"none\");\n$(\"#user-review-promo-close\").css(\"display\", \"block\");               \n$(\"#user-review-promo-close\").click(function(){ window.location.href='\/uk\/'; })\n$(\"#user-review-promo-members\").css(\"display\", \"block\");\n$(\"#user-review-promo-members\").css(\"opacity\", \"1\");\nif ( $(\"#user-review-promo-partner-return\").length ) {\n$(\"#user-review-partner-return\").appendTo(\"#user-review-promo-partner-return\");\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\n}           \n}\n\n\n\n\n$(\".reviewstar\").each(function(index) {\n$(this).on(\"click\", function(){\n$(\"#user-review-promo-rating\").css(\"display\", \"none\");\nuser_review_rating = $(this).data(\"rating\");\n$(\"#user-review-promo-review\").css(\"display\", \"block\");\n$(\"#user-review-promo-btn\").css(\"display\", \"block\");\nsetTimeout(function() {\n$(\"#user-review-promo-review\").css(\"opacity\", \"1\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"1\");\n}, 1)\n});\n});\n\n\n\n\n$(\"#user-review-promo-btn\").click(function(){\n\n\nif (user_review_screen == 0) {\nuser_review_screen++;\nuser_review_description = $(\"#user-review-promo-review-text\").val();\n$(\"#user-review-promo-review\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"0\");\n$(\"#user-review-promo-btn\").css(\"display\", \"block\");\n$(\"#user-review-promo-user\").css(\"display\", \"block\");\n$(\"#user-review-promo-btn\").text(\"Submit\");\nsetTimeout(function() {\n$(\"#user-review-promo-user\").css(\"opacity\", \"1\");\n$(\"#user-review-promo-btn\").css(\"opacity\", \"1\");\n}, 1)\n\n\n} else if (user_review_screen == 1) {\nuser_review_name = $(\"#user-review-promo-name\").val();\nuser_review_email = $(\"#user-review-promo-email\").val();\nif (user_review_email != \"\" && user_review_name != \"\" && isEmail(user_review_email)) {\nuser_review_screen++;\n$(\"#user-review-promo-user\").css(\"display\", \"none\");\n$(\"#user-review-promo-btn\").css(\"display\", \"none\");\n$(\"#user-review-promo-members\").css(\"display\", \"block\"); 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}\n\n\ntry {\nmembersSdk.getUserNotes().then(notes => {\nconst existingIdsReviewed = notes.filter(note => note.fieldName === 'idsreviewed').reverse()[0]?.value || \"\";\nvar fldval = existingIdsReviewed + user_review_data.productApiId + \",\";\nlet recordUserReview = new CustomEvent(\"SavePrefillValue\", {\ndetail: {\nkey: \"idsreviewed\",\nvalue: fldval,\nisGlobal: true\n}\n});\nwindow.dispatchEvent(recordUserReview);\nvar trackingParams = {};\ntrackingParams.signUpUrl = window.location.href;\ndocument.dispatchEvent(\nnew CustomEvent('ga4.track', {\ndetail: {\nname: \"formSubmitted\",\nparams: {\nformFields: {\n\"eventName\": \"reviewSubmitted\",\n\"niche\": user_review_data.niche,\n\"productId\": user_review_data.productApiId,\n\"productName\": user_review_data.reviewableName,\n\"title\": user_review_name, \n\"text\": user_review_description,\n\"country\": \"uk\",\n\"url\": window.location.href, \n\"rating\": user_review_rating,\n\"reviewableId\": user_review_data.reviewableId,\n\"idsReviewed\": fldval,\n}\n},\n}\n})\n);\n}).catch(error => { console.error('Failed to fetch notes:', error); });\n} catch (error) { console.log('Error during processing:', error); }\n\n\nvar optin = document.getElementById(\"check-1c\").checked;\nif (optin == true) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSignUpPayload(email);\n} else if (optinCheck == 0) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSegmentReviewEventPayload(email);\n}\n\n}\n\n\n\n\n}\n});\n\n\n\n\n\nfunction getSegmentReviewEventPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentReviewEvent(email,trackingParams);\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentReviewEvent(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"formSubmitted\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFSA-CUR',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\nreturn true;\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nvar phoneNumber = '';\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFSA-CUR',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\nreturn true;\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) { return; }\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"r91V7Evwms4\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/r91V7Evwms4\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/r91V7Evwms4\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/r91V7Evwms4\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">6:34<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-r91V7Evwms4\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<p>Starling is one of a growing group of \u201c<a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/challenger-banks-list\">challenger banks<\/a>\u201d looking to simplify how we manage our finances, using modern technology to bring banking into the present. Starling is a digital-only bank that offers a personal account, which we review here. It also has a <a href=\"https:\/\/www.finder.com\/uk\/business-banking\/starling-business-account\">business account<\/a>, a <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/starling-bank-savings-accounts\">fixed-rate savings account<\/a> and a <a href=\"https:\/\/www.finder.com\/uk\/banking\/childrens-banking\/starling-kite-debit-card-for-kids\">kid\u2019s prepaid card<\/a>. From time to time, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-promo-codes\">Starling Bank also runs referral promotions<\/a> which are worth viewing before signing up.<\/p><h3>How we scored Starling<\/h3><table id=\"etoro\" class=\"luna-table luna-table--fixedColumns\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Feature<\/th><th scope=\"col\">Rating<\/th><th scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">App rating<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Starling scores highly across the App Store and Google Play.<\/td><\/tr><tr><th scope=\"row\">Monthly fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Starling is free to use, with no monthly fee.<\/td><\/tr><tr><th scope=\"row\">Transaction fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.7<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Pay a small transaction fee on cash deposits over the monthly limit.<\/td><\/tr><tr><th scope=\"row\">Overseas fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>There is no charge from Starling for using your card abroad.<\/td><\/tr><tr><th scope=\"row\">Customer service<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Starling scored highly in the Finder Customer Satisfaction Survey.<\/td><\/tr><tr><th scope=\"row\">Green credentials<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Starling scored well due to its low operational emissions and clear policy not to invest in the fossil fuel sector.<\/td><\/tr><tr><th scope=\"row\">Account access<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">9.4<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Starling supports most account management but some services are only available via the Post Office.<\/td><\/tr><tr><th scope=\"row\">Payment features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Starling has most payment features available but has no cashback or reward programme.<\/td><\/tr><tr><th scope=\"row\">Extra features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Benefit from budgeting tools, spending categories, Savings Spaces and much more.<\/td><\/tr><\/tbody><\/table><h3 id=\"what_is_starling_bank\">What is Starling?<\/h3><p>Starling offers a full 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.<\/p><p>When you sign up, you get a current account, a debit card and an app that\u2019s all about helping you understand where your money goes, budget and save.<\/p><h3>How to start using Starling<\/h3><ol><li>Download the app<\/li><li>Create an account by providing your name, date of birth, email address and home address<\/li><li>Verify your identity through the app using a selfie video and photo of your ID<\/li><li>Wait to be approved (this usually only takes a few minutes)<\/li><li>Once approved you can link the account to Apple Pay or your Google Wallet, to start spending immediately<\/li><li>Receive your physical Mastercard debit card in the post within 3-5 days<\/li><li>Link this card to the app and start spending with it<\/li><\/ol><h3 id=\"how_does_starling_bank_work\">How does Starling work?<\/h3><p>The app focuses on the necessities, with a minimalist design covering key information. Tabs allow you to access other features including:<\/p><ul class=\"has-margin-bottom\"><li><strong>Payments.<\/strong> Just as with any payment system, there\u2019s a feature for transferring your current standing orders from your old bank.<\/li><li><strong>Add money.<\/strong> For anyone who joined after August 2018, there is no limit to how much you can pay in. You can add as much as you like using \u201cFaster Payments\u201d and online banking.<\/li><li><strong>Spending.<\/strong> Get a record of your transactions, categorised to let you know what you\u2019re spending your money on, which gives you an idea on where you can save.<\/li><\/ul><p>Other key features include:<\/p><ul class=\"has-margin-bottom\"><li><strong>Spaces.<\/strong> 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.<\/li><li><strong>Card.<\/strong> Starling sends you a physical bank card (a Mastercard debit card) when you sign up. From the app, you can activate the card, let Starling know if you\u2019re travelling abroad and manually deactivate it if it gets lost or stolen. The debit card itself does all you would expect, from making payments to allowing you to withdraw cash from ATMs. The Starling debit card is also the first Mastercard in the UK to be made from recycled plastic (rPVC).<\/li><li><strong>Overdraft facility.<\/strong> Eligible account holders can be given an overdraft facility.<\/li><li><strong>Marketplace.<\/strong> Starling\u2019s partnerships with third-party financial technology companies offer ways to compare insurance, pensions and mortgages.<\/li><li><strong>Physical cash loads.<\/strong> Although there are no Starling bank branches, you can load cash into your account for free up to \u00a31,000 at Post Office branches in the UK.<\/li><\/ul><p>Starling\u2019s personal account customers can manage their accounts through online banking, in addition to their Starling mobile app.<\/p><h3>Does Starling offer a credit card?<\/h3><p>Starling has announced plans to launch a credit card, but there is no card available as of September 2024. We\u2019ll update this section when we have more information.<\/p><p>If you\u2019re looking for a credit card from another neobank, you could try <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/monzo-flex\">Monzo<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/zopa-credit-card\">Zopa<\/a>. Or you could compare a wider range of credit cards in <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\">our guide<\/a>.<\/p><h3>What are Starling Savings Spaces?<\/h3><p>Starling operates a system of \u201cSavings Spaces\u201d, which are essentially virtual piggy banks where you can keep savings separate from your main balance. The Savings Space sits within the app and you can easily top it up from your primary account. There is also the option to use Starling\u2019s Round Ups feature to automatically add to your chosen Space.<\/p><p>You can also spend directly from a Saving Space using Starling\u2019s virtual cards. Cards can be assigned to a dedicated Saving Space instead of linking to your main account balance. As a result, payments can be made from a personalised space instead of your primary account, making it easier to stick to a budget.<\/p><h3>What is Starling\u2019s Bills Manager feature?<\/h3><p>As part of its Savings Spaces, Starling has a Bills Manager feature which allows you to pay direct debits and standing orders straight from your personalised space. It\u2019s a way to ring-fence money for bills and keep those funds separate from your main balance. You can set up automatic transfers to set money aside, and bills will be paid automatically on their scheduled date.<\/p><h3>Is Starling any good compared to other challenger banks?<\/h3><p>Starling is definitely one of the best challenger banks out there. The app is quite elegant and streamlined, the lack of fees makes it great for travelling and it\u2019s a fully licensed bank, so your money is as safe as with a traditional high-street bank.<\/p><p>However, the most popular banking challengers \u2013 <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-vs-monzo-vs-starling\">Starling<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Monzo<\/a> \u2013 are quite similar to each other and all offer a solid service. Compared to Starling, the Monzo app is a bit more fun, while Revolut is more about using different currencies at the same time. Learn more about <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/alternatives-to-starling\">alternatives to Starling<\/a>.<\/p><p>If you\u2019re undecided between two of them, applying for an account is really quick and easy, so you could even try both out for a while and then pick the one that works best for you.<\/p><p>In a boost to its green credentials, in October 2020 Starling announced that it would be planting a tree for every successful new personal or business customer referral. The bank followed this up in March 2021 with the introduction of the UK\u2019s first recycled Mastercard debit card. Made from 75% recycled plastic (rPVC), the material is sourced from EU industrial waste from the printing and packaging industries. Only 25% of the card is made up of unavoidable non-recycled elements, including the card\u2019s chip and magstripe. Existing customers will receive the recycled debit card when their current one expires and new customers will be issued the card upon joining the bank.<\/p><p>Starling is also a founding member of TechZero, a climate action group of UK tech companies. It plans to become a net zero company, with a target of reducing the carbon emissions from its own operations and supply chain by one third by 2030. In 2023, it was our highly commended Green Digital Bank of the Year in the <a href=\"https:\/\/www.finder.com\/uk\/banking\/finder-green-banking-awards-2023\">Finder Green Banking Awards<\/a>. It was commended for its exceptionally low operational emissions and clear policy not to invest in the fossil fuel sector.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 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<\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Hands-on test: I tried out Starling\u2019s joint account<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"I like how myself and my partner both have full visibility of our joint account, including spending categories and savings spaces. It\u2019s been very useful for household budgeting, as we can see how much we are spending on groceries or utilities each month. Alongside that, it\u2019s great to have a space to put a little bit of money to the side for something fun. Starling\u2019s app also makes it very easy for you to transfer money between your joint and personal accounts. <\/p><p>Starling\u2019s customer support was particularly convenient when I needed to make a change to my personal details. It was easy to contact customer service within the app and I was able to upload the relevant documents straight into the chat. The whole process was very slick!\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\" itemprop=\"url\" target=\"_blank\">\n                        Kate Steere\n                                            <\/a>\n                                                    <div class=\"eeQuote__authorTitle\">Editor<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h3 id=\"can_i_travel_with_the_card\">Can I travel with the card?<\/h3><p>Yes, you can, and using your Starling debit card abroad should be a much less painful experience than with a traditional bank.<\/p><p>Thanks to Starling\u2019s mobile nature, it is much easier to keep track of your budget while on the road. Also, charges for spending abroad or withdrawing cash at an ATM aren\u2019t an issue since there is no charge from Starline for debit card transaction abroad. <\/p><p>When you pay in a foreign currency with your Starling, money will be converted at the Mastercard exchange rate. And when you withdraw money from an ATM abroad, Starling won\u2019t charge you for doing so.<\/p><h3>What does the Starling app look like?<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling2.png\" alt=\"Starling app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling2.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling2.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling2.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling2.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling2.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling1.png\" alt=\"Starling app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-1\/3@s\"><img decoding=\"async\" class=\"luna-image\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling.png\" alt=\"Starling app\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/07\/Starling.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><\/div><h3>Can you get cashback with Starling?<\/h3><p>Starling doesn\u2019t offer cashback as standard. Instead, it has partned with cashback app Tail. Part of its Starling Marketplace, Tail gives you access to cashback offers at retailers like FatFace, Ocado and Homebase.<\/p><p>You will need to activate Tail within your Starling app. Once you have activated the service, your Tail and Starling accounts will be linked.<\/p><p>Simply pay using your linked Starling bank card and cashback will be paid directly into your bank account.<\/p><h3>Does Starling offer any promotions, discounts or refer-a-friend offers?<\/h3><p>Starling\u2019s refer-a-friend bonus is unique. It doesn\u2019t earn you any money, but it earns both of you a free National Trust day pass for 2 people. How wholesome! If you\u2019re after some cold-hard cash, you can look at <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-bank-switch-deals\">all the switching deals on the market<\/a>.<\/p><h3>Does Starling offer joint accounts?<\/h3><p>Yes, Starling offers <a href=\"\">joint accounts<\/a> for 2 people. They can be opened in the app and both people need to already have Starling accounts. <\/p><h3>Does Starling offer premium\/packaged or premier accounts?<\/h3><p>Starling doesn\u2019t offer any of these. If you want a current account with more features, you can check out our guides on <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/premium-bank-accounts\">premium accounts<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/packaged-bank-accounts\">packaged accounts<\/a>.<\/p><h3 id=\"starling_bank_overdraft_fees_and_limits\">Starling overdraft, fees and limits<\/h3><p>Starling offers an arranged overdraft option. Interest is calculated daily and charged at 15%, 25% or 35% EAR (variable) based on the customer\u2019s credit score. There are no additional charges for unarranged overdrafts.<\/p><p>Starling\u2019s fees are competitive:<\/p><ul><li><strong>Current account and transactions.<\/strong> Starling doesn\u2019t charge you for basic transactions and banking services. There\u2019s no monthly account fee, and card payments and ATM withdrawals come for free both in the UK and abroad.<\/li><li><strong>International money transfers.<\/strong> Starling charges a fee for sending money abroad, which depends on the receiver\u2019s country and the amount of money transferred.<\/li><li><strong>Cash loads.<\/strong> Depositing and withdrawing cash for personal current account holders is free at your local Post Office.<\/li><\/ul><h3 id=\"starling_bank_s_interest_rate\">Starling\u2019s interest rate<\/h3><p>Starling offers a fixed-rate savings account. Learn more about <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/starling-bank-savings-accounts\">saving money with Starling here<\/a>.<\/p><p>However, if a considerable interest rate on your current account balance is what you\u2019re looking for, you may be better off with a traditional bank \u2013 some <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/high-interest-current-account\">traditional current accounts<\/a> have been known to offer more on balances up to a set amount. <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/kroo-review\">Kroo<\/a>, a banking app, also offers a tracker rate, meaning that the interest rate is always 0.9% below the Bank of England base rate. It is currently offering 3.15% AER interest on balances up to \u00a3499,999.99.<\/p><h3>What is the Starling Under 16s debit card for kids?<\/h3><p>Starling Under 16s is a kids\u2019 debit card and account. It has no monthly fee and is linked to the parent\u2019s personal (or joint) Starling account.<\/p><p>The card has the child\u2019s name printed on it, and they can use it to spend online, in-store and to withdraw cash from ATMs (up to a maximum of \u00a3100). If the Under 16s debit card is lost or stolen, it can be locked from the adult\u2019s Starling account.<\/p><p>Parents can also use their Starling banking app to allocate funds (such as pocket money) to their kid\u2019s account and then monitor their spending. Parents receive notifications whenever their child spends money, and parental controls within the app mean that they can limit specific functions such as online payments and ATM withdrawals, or set a daily transaction limit.<\/p><p>There are no fees for using the card abroad, which is a big plus. There is also a dedicated app for your child to use as well.<\/p><p>Learn more about this new kids\u2019 debit card in our <a href=\"https:\/\/www.finder.com\/uk\/banking\/childrens-banking\/starling-kite-debit-card-for-kids\">Starling Under 16s review<\/a>.<\/p><h3 id=\"choose\">Is Starling safe to use?<\/h3><p>With a relatively new bank like Starling, it\u2019s natural to worry if your money will be safe. One major question is: what if the bank goes bust? Would you be covered? As Starling is covered by the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a> (FSCS), you would be protected up to \u00a3120,000.<\/p><p>If you fall victim to fraud, Starling is regulated by the Financial Conduct Authority and has adhered to a new voluntary industry code called Contingent Reimbursement Model (CRM) code. This not only means that in most cases it has to refund any unauthorised payments made from your account, but that it will also refund you if you\u2019re tricked into sending money to a scammer voluntarily (for example because they pretend to be part of your bank\u2019s security team). The exception is if you\u2019re negligent.<\/p><p>Starling\u2019s app and card also have several security features to protect your account:<\/p><ul><li>Your finances are secured behind a passcode and password and completing your registration requires video and photo ID.<\/li><li>If you ever lose your bank card, you can immediately deactivate it with a push of a button in the app, and Starling\u2019s customer service team is there whenever you need it.<\/li><li>A live record of your transactions and home screen notifications means you are alerted to any strange payments immediately.<\/li><\/ul><div class=\"importantText importantText__callout\">\n  <p>When Starling reported its first full year of profitability in the financial year ending 31 March 2022 \u2013 a pre-tax profit of \u00a332.1 million, compared to a pre-tax loss of \u00a331.5 million in the period leading up to 31 March 2021 \u2013 Starling\u2019s founder, Anne Boden, said \u201cAs an innovative digital bank with a sustainable business model and a strong balance sheet we are generating our own capital and we stand apart from both the old banks and other challengers.\u201d<\/p>\n<\/div>\n\n        \n            <h3>What do customers say about Starling?<\/h3>\n        <p>97% of customers we <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-banks#best\">surveyed<\/a> in 2026 would recommend Starling to a friend.<\/p>\n        <p>It's widely celebrated as a top-tier digital bank, offering a remarkably smooth and comprehensive app experience. Customers love the lack of fees for overseas spending and the intuitive \"Spaces\" feature for separating savings and bills.<\/p>\n<p>It is also praised for making family banking easy by seamlessly linking children's accounts and ISAs. Starling remains a dominant favourite for its simplicity, 24\/7 in-app support, and absolute control over personal finances.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n    <div class=\"eeQuote box u-rounded--lg source-external type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 8.43956C27.411 10.2298 27.0052 11.8282 26.9428 13.2348C28.5036 13.8102 29.7211 14.6733 30.5952 15.8242C31.5317 16.975 32 18.3816 32 20.044C32 22.0899 31.3132 23.8482 29.9396 25.3187C28.6285 26.7253 26.974 27.4286 24.976 27.4286C22.9157 27.4286 21.1987 26.7253 19.8251 25.3187C18.4516 23.9121 17.7648 21.8661 17.7648 19.1808C17.7648 16.3037 18.514 13.043 20.0124 9.3986C21.5109 5.75424 23.6025 2.62138 26.2872 0L30.8762 3.54845Z\" fill=\"#232320\"><\/path>\n<\/svg>\n            <\/div>\n\n                            <figure class=\"eeQuote__photo\">\n                        <img decoding=\"async\" alt=\"Jon Duffy's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/03\/PHOTO-2022-07-21-00-06-56.jpg\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" loading=\"lazy\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/03\/PHOTO-2022-07-21-00-06-56.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/03\/PHOTO-2022-07-21-00-06-56.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/03\/PHOTO-2022-07-21-00-06-56.jpg?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\">\n                <\/figure>\n\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Case study: Jon found it fast to set up his account via Starling's app<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"I chose this account because my wife told me it was really slick to use (she has Starling as well). I wanted a debit card I could use abroad without fees, and I wanted to be able to collect donations from work colleagues for a leaving present for someone in the team. The app allowed me to do that really easily.<\/p><p><strong>If there\u2019s one thing you\u2019d tell a friend who\u2019s thinking of getting this, what would it be?<\/strong><\/p><p>There aren\u2019t any branches, but how many times do you really need to go into a bank branch? It was fast and easy to set up the account just on the phone.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <div class=\"eeQuote__authorName\">\n                        Jon Duffy\n                                            <\/div>\n                                                    <div class=\"eeQuote__authorTitle\">London<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                                                                                                                                                                                \n            <h3 id=\"awardspanel\">Starling and Finder Awards<\/h3>\n        <div class=\"u-grid u-grid--alignTop has-margin-top has-margin-bottom\">\n            <div class=\"u-grid__col u-1\/4@s u-1\/5@l\" style=\"max-width: 200px;\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png\" alt=\"Finder Awards logo\" style=\"max-width: 100%; height: auto; display: block;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/06\/award_thumb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n            <div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n                                    <p>Our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\">Finder Awards<\/a> celebrate brands that truly stand out in their field. Starling is one of these brands and has won multiple awards!<\/p>\n                    <ul>\n                                                                                                                                                                <li>2025 Provider of the Year Award (Travel Debit Card)<\/li>\n                                                                                                <li>2024 Customer Satisfaction Award (Current Accounts)<\/li>\n                                                                                                            <\/ul>\n                            <\/div>\n        <\/div>\n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Customer service information for Starling<\/h3><table class=\"i_infobox product_infobox has-margin-bottom\">\n<tbody>\n<tr>\n<th>Email support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Telephone support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>In-app or live chat<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xlink:href=\"#check\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Contact form<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<tr>\n<th>Branch support<\/th>\n<td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon luna-icon--medium luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3 id=\"frequently_asked_questions\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How does Starling make money?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Starling has four revenue streams that function much like those of a traditional bank:<\/p><ul><li>Net interest income. Starling uses customer deposits to lend to other customers as overdrafts.<\/li><li>Treasury income. Surplus deposits are held by the Bank of England, and Starling gets small returns via interest.<\/li><li>Interchange income. Starling takes a fee from every card transaction made \u2013 the interchange fee.<\/li><li>Fees and commissions. Traditional banks upsell and advertise additional services that they can provide, generating more income. As Starling only offers their current account, they make money through partnerships with other fintechs, getting a commission on every referral.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I put money into my account if there aren't any physical bank branches?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can add money to your Starling personal account by doing any of the following:<\/p><ul><li>Bank transfer directly from another bank account to your Starling personal account.<\/li><li>Cash deposit at any Post Office branch.<\/li><li>Choose to transfer your salary or bank balance and set up direct debits and any other regular payments by making Starling your main bank account.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How easy is it to top up?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Simple. Pay in cash manually or transfer funds from another account. Alternatively, you can use the \u201cSwitch\u201d option to make your Starling account your main account.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">I'm planning on using a Starling card for my travels. How much will it cost me to get a replacement card if I lose mine while abroad?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You will need to pay \u00a360 for a replacement card, as the delivery process is currently highly manual. It may take a few days to a few weeks depending on your location. For more specific information on this process, please contact Starling directly.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How much will it cost me to withdraw from an ATM in another country?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>While Starling does not impose any withdrawal charges on customers, ATM providers in your country of destination may charge their own fee. The cost of withdrawing from ATMs differs in different countries and locations.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">How much money can I take out from an ATM?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can make up to six withdrawals per day, with a maximum daily limit of \u00a3300.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Can I open a Starling bank account if I live outside the UK?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Starling bank accounts are only available to those whose current address is in the UK. You can be any nationality as long as you live in the UK. We have a separate guide on <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/foreigners-open-a-bank-account-in-uk\">opening a bank account<\/a> for those not currently based in the UK.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Do I need the Starling app to access my account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you need to download the app on either an Android or iOS device.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">Do I need a main account to link my Starling account to or can I use Starling as my main bank?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A Starling personal bank account is a fully functioning current account that comes with a Mastercard debit card, so you can 100% use it as your main bank.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>\n\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_968164128\" data-toggle=\"collapse\" data-target=\"#sources_968164128\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_968164128\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/uk\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/uk\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.fscs.org.uk\" target=\"_blank\">Financial Services Compensation Scheme<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.lendingstandardsboard.org.uk\/crm-code\" target=\"_blank\">Contingent Reimbursement Model Code<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/finder-current-accounts-customer-satisfaction-awards-2025\" target=\"_blank\">Finder Banking Customer Satisfaction Awards 2025<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/uk.trustpilot.com\/review\/starlingbank.com\" target=\"_blank\">Trustpilot<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/apps.apple.com\/gb\/app\/starling-bank-mobile-banking\/id956806430\" target=\"_blank\">Apple App Store<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.starlingbank.android&amp;hl=en_GB\" target=\"_blank\">Google Play Store<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Is the digital-only bank the right option for you? Read our review to get the low-down on all of Starling&#8217;s features and benefits. We cover everything from Starling&#8217;s overdraft service to whether the card can be used abroad. <\/p>\n","protected":false},"author":1329,"featured_media":565772,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3763],"tags":[2560],"asset_tag":[],"class_list":["post-94666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-accounts","tag-latest-2"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Starling review 2026 | Finder<\/title>\n<meta name=\"description\" content=\"Is this digital-only bank right for you? Our review gives the lowdown on Starling&#039;s features, fees and benefits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Starling review\" \/>\n<meta property=\"og:description\" content=\"Is this digital-only bank right for you? Our review gives the lowdown on Starling&#039;s features, fees and benefits.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2018-09-13T13:57:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2025\/09\/starling_logo_featuredimage.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Kate Steere\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/KateSteere_UK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kate Steere\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"16 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review\"},\"author\":[{\"name\":\"Kate Steere\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/1fe38023a7ec83d898420da91201d4df\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/9e17420e96fcfdf0d0fd4a676608e6df\"}],\"headline\":\"Starling 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Thanks!\",\"datePublished\":\"2019-05-17 15:29:37\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-14946\",\"author\":{\"@type\":\"Person\",\"name\":\"Gemma\"},\"text\":\"I am traveling to Croatia and just received my Starling bank card. Do I get charged fees from ATMS or transactions in restaurants, etc?\",\"datePublished\":\"2019-05-09 08:50:36\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-12381\",\"author\":{\"@type\":\"Person\",\"name\":\"alexander\"},\"text\":\"do you offer business accounts to sole traders\",\"datePublished\":\"2019-03-20 17:06:08\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-12154\",\"author\":{\"@type\":\"Person\",\"name\":\"Marian\"},\"text\":\"Can I withdraw money from an atm using starling card?\",\"datePublished\":\"2019-03-14 16:51:38\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-10536\",\"author\":{\"@type\":\"Person\",\"name\":\"Anne M\"},\"text\":\"I am on a DMP. I do not want any loans or overdraft facilities so would I be able to open a Starling Account?\",\"datePublished\":\"2019-02-05 13:27:27\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-9725\",\"author\":{\"@type\":\"Person\",\"name\":\"Anthony\"},\"text\":\"Can I walk into a shop and use my card to pay? Can I use my Starling card for grocery purchases?\",\"datePublished\":\"2019-01-11 12:49:18\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-9533\",\"author\":{\"@type\":\"Person\",\"name\":\"Jackie\"},\"text\":\"How do I apply for overdraft or is it automatically on your card if automatically there how do I know how much I owe back\",\"datePublished\":\"2019-01-04 04:06:14\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-7981\",\"author\":{\"@type\":\"Person\",\"name\":\"Sam\"},\"text\":\"Is this card like a MasterCard with credit and does it affect my credit score? Do I have to put money in it myself\",\"datePublished\":\"2018-11-11 20:22:42\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-7101\",\"author\":{\"@type\":\"Person\",\"name\":\"Charlie\"},\"text\":\"Why are there  daily withdraw and deposit limits?\",\"datePublished\":\"2018-10-09 03:46:15\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-6989\",\"author\":{\"@type\":\"Person\",\"name\":\"Rafal\"},\"text\":\"Do I have to have main account to link with starling card or is not necessary ?\\r\\nAlso how can I put money on my account if I have a cash\u2026\",\"datePublished\":\"2018-10-05 20:14:22\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-6985\",\"author\":{\"@type\":\"Person\",\"name\":\"Vasyl\"},\"text\":\"Where can I find my sort code?\",\"datePublished\":\"2018-10-05 18:35:31\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-6974\",\"author\":{\"@type\":\"Person\",\"name\":\"Ross\"},\"text\":\"Does starling bank allow transactions to and from Ewallets? (Example Bitcoin, litecoin etc.) If so is it relatively simple or quite complicated to set up?\",\"datePublished\":\"2018-10-05 13:08:04\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-6704\",\"author\":{\"@type\":\"Person\",\"name\":\"Mike\"},\"text\":\"I am a uk resident. Can i get  a starling account and move abroad a few months later. My change of address would be a postbox address since i will be selling my home.\",\"datePublished\":\"2018-09-25 12:00:49\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-6471\",\"author\":{\"@type\":\"Person\",\"name\":\"Sophie\"},\"text\":\"Hi, I live in France but I have a UK bank account. I'd like to open a Starling account to use it for my travel in Asia. Is that possible? Would they send my mastercard to my address in France?\\r\\n\\r\\nMany thanks\\r\\n\\r\\nSophie\",\"datePublished\":\"2018-09-17 14:35:47\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-5481\",\"author\":{\"@type\":\"Person\",\"name\":\"Drewski\"},\"text\":\"I am about to start traveling around Asia and thinking of using this Starling card as my main source of getting cash from ATM's and paying hotels etc via debit card. Is there any downsides to this that I need to know about?\\r\\nAlso, how easy would it be for me to get a replacment card whilst in Thailand should I loose mine?\",\"datePublished\":\"2018-08-21 07:21:51\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-5478\",\"author\":{\"@type\":\"Person\",\"name\":\"Phil C\"},\"text\":\"I am going to South Africa for up to a month vacation.  Will I incur any charges if I deposit sterling into a Starling account and use the card for purchasing items and paying bills and also for withdrawing South African rand\",\"datePublished\":\"2018-08-20 21:24:18\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-5232\",\"author\":{\"@type\":\"Person\",\"name\":\"Terry\"},\"text\":\"I do work in China. Is Starling supported in China? Can I get yuen out as sterling? Is there a service charge?\",\"datePublished\":\"2018-08-05 10:25:48\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-3425\",\"author\":{\"@type\":\"Person\",\"name\":\"Edna\"},\"text\":\"How do I deposit cash into starling account.  I live in n.ireland\",\"datePublished\":\"2018-04-01 21:54:18\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-3304\",\"author\":{\"@type\":\"Person\",\"name\":\"joelmarcelo\"},\"text\":\"Hi Blake,\\r\\n\\r\\nThanks for leaving a question on finder.\\r\\n\\r\\nSorry to hear you forgot your Starling bank password. Please note that we are a comparison website and we do not represent Starling or any of the providers on our page. If you call the number on the back of your Starling debit card they will be able to reset your password over the phone.\\r\\n\\r\\nCheers,\\r\\nJoel\",\"datePublished\":\"2018-03-17 06:09:35\"},{\"@context\":\"https:\/\/schema.org\/\",\"@type\":\"VideoObject\",\"name\":\"Starling Bank Review: What's Going On With Starling?\",\"description\":\"Here's our review of Starling Bank in 2025.\\n\ud83e\udd11 See our latest sign-up offers and bonuses \ud83d\udc49 https:\/\/fndr.ws\/SignUpAug2225\\n\ud83d\udcdd  Read our full Starling Bank review \ud83d\udc49 https:\/\/fndr.ws\/StarlingReview2025\\n\\n(Links may contain paid promotion)\\n\\n00:00 Introduction\\n00:32 Key features \\n02:05 Budgeting and virtual cards\\n03:50 How do they compare?\\n05:35 My verdict\\n\\n#bankaccount  #Starlingbank  #savingsuk\",\"uploadDate\":\"2025-08-22T12:33:23Z\",\"duration\":\"PT6M34S\",\"url\":\"https:\/\/www.youtube.com\/watch?v=r91V7Evwms4&feature=youtu.be\",\"contentUrl\":\"https:\/\/www.youtube.com\/watch?v=r91V7Evwms4\",\"embedUrl\":\"https:\/\/www.youtube.com\/embed\/r91V7Evwms4\",\"thumbnailUrl\":\"https:\/\/i.ytimg.com\/vi\/r91V7Evwms4\/maxresdefault.jpg\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/1fe38023a7ec83d898420da91201d4df\",\"name\":\"Kate Steere\",\"description\":\"Kate Steere is an editor and money expert at Finder, specialising in banking, savings and fintech. 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Rebecca specialises in consumer money topics and regularly writes for The Guardian, The Sun, The Mirror, LoveMoney and Moneywise magazine.","jobTitle":"Writer","url":"https:\/\/www.finder.com\/uk\/author\/rebeccagoodman","sameAs":["https:\/\/twitter.com\/RebeccaHGoodman","https:\/\/www.linkedin.com\/in\/rebecca-goodman-238a3222\/"],"image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/aaabba2a429a419ed0afad474da60aa6","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RebeccaGoodmanF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/RebeccaGoodmanF1_Finder_600x600.png","caption":"Rebecca Goodman"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-18003","author":{"@type":"Person","name":"Mark"},"text":"Hi if abroad on holiday and you lose your starling card can you still get money from a bank or atm  and how ?","datePublished":"2019-08-02 12:25:45"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-15291","author":{"@type":"Person","name":"Geoff"},"text":"Can I switch to Starling Bank? Thanks!","datePublished":"2019-05-17 15:29:37"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-14946","author":{"@type":"Person","name":"Gemma"},"text":"I am traveling to Croatia and just received my Starling bank card. Do I get charged fees from ATMS or transactions in restaurants, etc?","datePublished":"2019-05-09 08:50:36"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-12381","author":{"@type":"Person","name":"alexander"},"text":"do you offer business accounts to sole traders","datePublished":"2019-03-20 17:06:08"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-12154","author":{"@type":"Person","name":"Marian"},"text":"Can I withdraw money from an atm using starling card?","datePublished":"2019-03-14 16:51:38"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-10536","author":{"@type":"Person","name":"Anne M"},"text":"I am on a DMP. I do not want any loans or overdraft facilities so would I be able to open a Starling Account?","datePublished":"2019-02-05 13:27:27"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-9725","author":{"@type":"Person","name":"Anthony"},"text":"Can I walk into a shop and use my card to pay? Can I use my Starling card for grocery purchases?","datePublished":"2019-01-11 12:49:18"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-9533","author":{"@type":"Person","name":"Jackie"},"text":"How do I apply for overdraft or is it automatically on your card if automatically there how do I know how much I owe back","datePublished":"2019-01-04 04:06:14"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-7981","author":{"@type":"Person","name":"Sam"},"text":"Is this card like a MasterCard with credit and does it affect my credit score? Do I have to put money in it myself","datePublished":"2018-11-11 20:22:42"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-7101","author":{"@type":"Person","name":"Charlie"},"text":"Why are there  daily withdraw and deposit limits?","datePublished":"2018-10-09 03:46:15"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-6989","author":{"@type":"Person","name":"Rafal"},"text":"Do I have to have main account to link with starling card or is not necessary ?\r\nAlso how can I put money on my account if I have a cash\u2026","datePublished":"2018-10-05 20:14:22"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-6985","author":{"@type":"Person","name":"Vasyl"},"text":"Where can I find my sort code?","datePublished":"2018-10-05 18:35:31"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-6974","author":{"@type":"Person","name":"Ross"},"text":"Does starling bank allow transactions to and from Ewallets? (Example Bitcoin, litecoin etc.) If so is it relatively simple or quite complicated to set up?","datePublished":"2018-10-05 13:08:04"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-6704","author":{"@type":"Person","name":"Mike"},"text":"I am a uk resident. Can i get  a starling account and move abroad a few months later. My change of address would be a postbox address since i will be selling my home.","datePublished":"2018-09-25 12:00:49"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-6471","author":{"@type":"Person","name":"Sophie"},"text":"Hi, I live in France but I have a UK bank account. I'd like to open a Starling account to use it for my travel in Asia. Is that possible? Would they send my mastercard to my address in France?\r\n\r\nMany thanks\r\n\r\nSophie","datePublished":"2018-09-17 14:35:47"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-5481","author":{"@type":"Person","name":"Drewski"},"text":"I am about to start traveling around Asia and thinking of using this Starling card as my main source of getting cash from ATM's and paying hotels etc via debit card. Is there any downsides to this that I need to know about?\r\nAlso, how easy would it be for me to get a replacment card whilst in Thailand should I loose mine?","datePublished":"2018-08-21 07:21:51"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-5478","author":{"@type":"Person","name":"Phil C"},"text":"I am going to South Africa for up to a month vacation.  Will I incur any charges if I deposit sterling into a Starling account and use the card for purchasing items and paying bills and also for withdrawing South African rand","datePublished":"2018-08-20 21:24:18"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-5232","author":{"@type":"Person","name":"Terry"},"text":"I do work in China. Is Starling supported in China? Can I get yuen out as sterling? Is there a service charge?","datePublished":"2018-08-05 10:25:48"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-3425","author":{"@type":"Person","name":"Edna"},"text":"How do I deposit cash into starling account.  I live in n.ireland","datePublished":"2018-04-01 21:54:18"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/current-accounts\/starling-review#comment-3304","author":{"@type":"Person","name":"joelmarcelo"},"text":"Hi Blake,\r\n\r\nThanks for leaving a question on finder.\r\n\r\nSorry to hear you forgot your Starling bank password. Please note that we are a comparison website and we do not represent Starling or any of the providers on our page. If you call the number on the back of your Starling debit card they will be able to reset your password over the phone.\r\n\r\nCheers,\r\nJoel","datePublished":"2018-03-17 06:09:35"},{"@context":"https:\/\/schema.org\/","@type":"VideoObject","name":"Starling Bank Review: What's Going On With Starling?","description":"Here's our review of Starling Bank in 2025.\n\ud83e\udd11 See our latest sign-up offers and bonuses \ud83d\udc49 https:\/\/fndr.ws\/SignUpAug2225\n\ud83d\udcdd  Read our full Starling Bank review \ud83d\udc49 https:\/\/fndr.ws\/StarlingReview2025\n\n(Links may contain paid promotion)\n\n00:00 Introduction\n00:32 Key features \n02:05 Budgeting and virtual cards\n03:50 How do they compare?\n05:35 My verdict\n\n#bankaccount  #Starlingbank  #savingsuk","uploadDate":"2025-08-22T12:33:23Z","duration":"PT6M34S","url":"https:\/\/www.youtube.com\/watch?v=r91V7Evwms4&feature=youtu.be","contentUrl":"https:\/\/www.youtube.com\/watch?v=r91V7Evwms4","embedUrl":"https:\/\/www.youtube.com\/embed\/r91V7Evwms4","thumbnailUrl":"https:\/\/i.ytimg.com\/vi\/r91V7Evwms4\/maxresdefault.jpg"},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/1fe38023a7ec83d898420da91201d4df","name":"Kate Steere","description":"Kate Steere is an editor and money expert at Finder, specialising in banking, savings and fintech. 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