Starship - Health Savings

191 reviews
Content rating
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About this app

With a triple tax break, no hidden fees, and automatic investing, Starship is empowering 100,000+ individuals and families to plan for their future health.

Starship is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.

How it works:

• Save - Save for everyday health expenses like dental, vision, health emergencies, and much more while avoiding hidden banking fees – for yourself or your entire family.

• Spend - Order your free Starship Visa® Debit Card directly from the Starship app. Swipe, dip, or tap your card to make eligible health purchases in-store and online. Add your card to Apple Pay.

• Invest - Auto-invest in your future health. Build a portfolio of diverse ETFs based on your risk level. Better than a 401(k), fast-track retirement with more financial security.

Here’s why thousands are saving with Starship:

New to health savings? We have the modern tools and services to help.

Get tax breaks on contributions, investment growth, & health-related purchases.

Ever. You shouldn’t have to spend money to save it. Starship has no overdraft fees, no withdrawal fees, and no minimum balance fees.

Your security is our top priority. Starship sends you transaction alerts when you turn on notifications, so you know what’s happening with your money.

Easily withdraw funds for money spent on out-of-pocket health purchases.

Reach out to or chat with us in the app. Our team provides personalized guidance and knowledge on how to make the most of your health savings.

Starship is a financial technology company, not a bank. Spending Accounts and the Starship Visa® Debit Card provided by and issued by nbkc bank, Member FDIC. Balances in your Starship Spending Account (“Spending”) earn .01% Annual Percentage Yield (“APY”) on deposit balances $0.01 – $1,999.99 and .04% APY on deposit balances $2,000 and above. We use the Spending Account’s end of day balance to calculate the interest earned that day. The rates are effective as of October 1, 2021, are variable and subject to change after the account is opened. Accounts subject to approval.

Any balances you hold with nbkc bank, including but not limited to those balances held in Starship accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Starship accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at

Investing Accounts and investment advisory services offered through Starship Securities, LLC, a registered investment adviser. Starship Securities, LLC is a wholly-owned subsidiary of Brighter Financial, Inc dba ‘Starship’. Brokerage services by DriveWealth LLC, member SIPC. Investing involves risk; investments are not FDIC insured and may lose value.

Content presented is not intended as legal, tax, financial or medical advice. It is the member’s responsibility to ensure eligibility requirements for contributions and qualified medical expenses. Always consult a professional tax advisor before making financial decisions with tax implications.

For Starship terms & conditions, please visit:
Updated on
Nov 21, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 3 others
This app may collect these data types
Personal info, Financial info and 6 others
Data is encrypted in transit
Data can’t be deleted
191 reviews
Jason Wilkins
November 13, 2020
Pretty good program in terms of reliability and use. Lacks some common sense things like ability to write checks and use all the features from the desktop. For instance, changing the deposit account not possible on desktop. Additionally, they keep changing desktop further. Now there isn't even a login link on the desktop site. I get that they want people to use the app but when I'm doing my budgeting, it is on my desktop which makes the app inconvenient.
16 people found this review helpful
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Brighter Financial, Inc.
November 16, 2020
Hi Jason. Thank you for taking the time to leave a review! We’ve shared your feedback with our product team and will be sure to consider it as we continue to make Starship an even better experience.
A Google user
March 14, 2020
Haven't actually used the card yet. Got it in the mail and looks nice plus had the contact-less pay option which is pretty cool. Had some technical issues with the first deposit. However was surprised with the customer service response leading to the VP of customer relations reaching out to me to settle the issue. I really appreciate their willingness to correct their own mistake and will be looking forward to using the platform soon to see if the product works as well as advertised.
21 people found this review helpful
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Brighter Financial, Inc.
March 10, 2020
Hi Bruce, I'm sorry for this experience. For the security of our customer’s funds, there can be a standard bank holding period when transfers are initiated that can be up to 7 business days. We've already initiated your funds back to you and someone from our leadership team has reached out to you with confirmation and resolution.
August Kim
October 18, 2022
My previous HSA had way too many fees. I’m glad I found starship because they don’t have any fees and they give out free debit cards
2 people found this review helpful
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What's new

In this release, we’ve squashed some bugs, allowing for an even smoother Starship experience.

As always, if you need help, chat with us in the app or email