Starling Bank - Mobile Banking

Starling Bank

About this app

Forget everything you know about banking.

Our personal, business and joint accounts make managing your money as seamless, simple and satisfying as it should be in 2024.

Open a bank account online in minutes - for free - from your phone, and join the millions who have already discovered the better way to bank.

What’s in it for you?

Earn interest on your money with our free current accounts

• Earn 3.25% AER / 3.19% Gross (variable) interest on balances up to £5,000 for personal and joint accounts.
• Interest is calculated daily and paid monthly.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

No overseas fees

• We won’t charge you a penny for using your card abroad, or for withdrawing cash at an ATM.
• We’ll give you the Mastercard exchange rate, and won’t add anything on top.
• Get notifications in the local currency, and in GBP.

Better budgeting

• Use Spaces to set money aside in a virtual change jar. Personalise with pictures, set a target, and track your progress.
• Get instant payment notifications and track your balance in real-time.
• Learn where your money goes, and how to make savings, with Spending Insights.
• Use Bills Manager to set aside money for your bills. It means your main balance will only show you what’s actually available for day-to-day spending.
• Save on autopilot - automatically round up payments to the nearest pound and put away the spare change.
• Connect to other money management tools through Starling Marketplace, such as PensionBee and Wealthify.

Pay and get paid seamlessly

• Owed money? Send a simple link to get paid back.
• Enjoy easy international transfers to 37 countries from your app – no hidden fees or exchange rate markups.
• Pay people instantly in-app – no fiddly card reader needed.
• Deposit cheques digitally from your phone and pay in cash at the Post Office.

Keep your money safe

• Your money’s covered up to £85,000 by the Financial Services Compensation Scheme.
• With 24/7 in-app support from real humans in the UK, we’re always here to help.
• Lock your card in-app and turn settings on and off, such as contactless, online, gambling and swipe payments.

Business banking

No monthly fees. Get mobile and web banking access, 24/7 support and simplified accounting. Deposit cash at the Post Office from as little as £3, and deposit cheques in-app by taking a photo. Automate your expenses, ring-fence money for bills, keep track of invoices with instant payment notifications and spot where your business is spending with smart analytics. Voted Best Business Banking Provider 2023.

The joint bank account

Manage collective household expenses or save up for something big together; our joint account simplifies shared spending. Get instant payment notifications, earn interest, track your spending with Insights, save up together and make important payments from one account.

Banking for the whole family, all in one app

Kite is our free debit card and app for 6-15 year olds. It’s built seamlessly into the adult’s Starling account (personal or joint) for better visibility and control.


Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 5th Floor, London Fruit and Wool Exchange, 1 Duval Square, London, E1 6PW.

We’re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

Ratings and reviews

I'm now a lot more familiar with the App and use it for a more banking needs and it seems to work very well. I would be pleased if a running balance could be displayed along with the transactions. I still think requesting a password for must operations is a little much. Using biometric confirmations instead helps a little with this. Keep up the great work!

It's a shame that app developers decide to "upgrade" an app that has a perfectly good front end / user interface to what seems to be a backward step. I have no problem with embedding security features but changing a user friendly interface for the sake of it is narrow minded. Do the developers convince Starling management that a revision is required as a means of generating revenue for the app development team. Very strange. Looking at another bank now. If it ain't broke.....

Was really good. But the update i dont like. Everything feels so zoomed in, the handy wheel chart has gone too. With it so zoomed/large and in your face now its blatantly clear to anyone nearby can look and see your information. The layout changing hasnt improved anything and now its not inuitive to find things. I get they have to change things but i think the old home screen was much better. I hope they make an option to make the font smaller Otherwise good bank, like it all. Nice icon custom

What's new

No fancy paint job this week. We’re getting all oily under the bonnet instead with a tweak here, a change there. You might not notice anything different, but fixing bugs and making improvements helps us run a well-oiled engine.
PS: We will stop supporting devices on Android 7 soon, so you need to update to the latest Android version to keep your app running smoothly and securely.