Starling Bank | Mobile only bank account

926 reviews

Monthly fee: Free

AER: 0.5%

Representative example: Representative example (assumed overdraft £1,200): 15% EAR variable.

Starling Bank | Mobile only bank account customer reviews.

926 reviews

4.4 out of 5 stars

12:53 21-08-2018
ImageSmart Money People

Great service good stuff Great service good stuff Great service good stuff Great service good stuff Great service good stuff Great service good stuff Great service good stuff Great service good stuff Great service good stuff Great service good stuff


easy to use, efficient service
16:45 20-08-2018
ImageSmart Money People

It was easy to open an account and all queries were answered efficiently using the messenger service


Great bank & service
15:17 20-08-2018
ImageSmart Money People

I am very happy with the account and service I've received.


No fees
14:18 19-07-2018
ImageSmart Money People

Greaat account that helps with not charging fees abroad and no annual account fees

Kath Cox

Clever and just better
07:35 01-07-2018
ImageSmart Money People

From start to finish the experience with starling is just flawless and smart. Add that to no fees abroad and honestly i don't see how its beatable.

Neil Hutchings

09:07 27-06-2018
ImageSmart Money People

Starling has completely changed the way I view banking, even making it (dare I say it?) fun! The app is intuitive, juggling various products such as overdrafts, savings pots and more. Cheers guys!

Ryan Gledhill

Simple clean and it works
20:33 10-05-2018
ImageSmart Money People

I am gradually switching over full banking to Starling. I like the simplicity of pots, expenditure breakdowns and the customer service is phenomenal .

Sarah James

App was awful customer service too
16:32 09-04-2018
ImageSmart Money People

As a customer I lasted 2 days the app drove me completely crazy it wasn’t let me sign up and when I contacted the customer service has been worse than anything else no solution even installing it again therefore I decided to close the account it seems being an easy task but actually wasn’t I carry on receiving welcome emails and how to use the card when I actually forward on several emails my intention to close the account I am still waiting that this simple task will me performed overall a very awful experience


It just works! Sign up for free with referral code 6DYPC7V9
16:02 10-03-2018
ImageSmart Money People

Sign up for free with referral code 6DYPC7V9 I gave this bank a go in 2017 and it was my first time venturing into an online only bank. Well, the experience has been great. The app is second to none, immediate updates with transactions, it’s clear, great security and the customer service when I have used it has been fantastic. Although it’s online only don’t let that put you off. You can pay in cash or immediately fund your account by bank transfer or debit card. You can use your card abroad with no fees at favourable rates. You can instantly lock and unlock your card using the app which is a handy feature. The bank is going from strength to strength. If you’re not totally sure about using it as your main account then open one and give it a try. The process is super easy and quick and you’ll be up and running with an account in no time. I’m sure after trying you’ll be using the account transfer service which Starling provides to move your account over without fuss and say goodbye to traditional banks.


Really Good!
12:21 10-03-2018
ImageSmart Money People

I love it, it just works ! I switched from FirstDirect

Jake Ives

Our review of Starling Bank | Mobile only bank account

Starling Bank is considered one of the top challenger banks as they were the first bank to launch an app-only current account back in March 2017. They focus on simplicity and honesty with the products and with all their customers. 

With other mobile-only banks, there are only a small number of benefits for banking with them but Starling has plenty to offer including cashback and rewards as well as 0.5% AER on balances up to £2,000 and 0.25% AER on balances over £2,000. You also have access to an overdraft with a more than reasonable 15.5% EAR with no additional fees and if your charges are less than 10p at the end of the month, they will be written off. 

Reviews online are great overall. Customers seem pleased with the easy-to-use app, the 24/7 in-app chat service, and quick delivery. There have been a few comments about customer service not quite meeting people needs or questions and people being rejected for a current account with little explanation but all complaints on TrustPilot have received a reply from Starling. 

As Starling is a licensed bank, your money is protected by the FSCS for up to £85,000. 

Overall Verdict: Starling could well become you're only current account as they offer all the same features and benefits of a high-street bank with good customer service. If you love the idea of your walking around with your bank in your pocket, this is a great choice. But if you prefer visiting a branch or higher interest accounts, you may want to consider other alternatives. 

Written by: Alex


  • No monthly fee
  • Instant mobile notifications when there is activity on your account
  • Earn cashback, rewards and points for shopping whilst using your Starling bank card
  • Up to £5,000 overdraft depending the results of a soft credit search

Minimum criteria

  • You must be aged over 18
  • You need to be a UK resident
  • You must agree to a credit search for the application


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Starling Bank | Mobile only bank account

The Starling Personal Account is a full current account that lets you set up direct debits and standing orders. Customers can receive instant notifications on your phone when you spend plus there are no fees for spending overseas or withdrawing cash. Starling Bank offers overdrafts of up to £5,000 with 15% EAR but you will not pay any other additional fees. The amount of overdraft you receive depends on a credit check.

Customers can also earn rewards and easily access third-party partners with Starling Bank Marketplace. This feature lets you earn points and rewards at participating retailers, pay into a pension via PensionBee and earn cashback. 

Download the Starling Bank app and you can have your account set up in five minutes. You will then be sent your debit card in the post within 2-3 business days. 

Company information

Registration number: 09092149

Starling Bank Ltd, 3rd floor,

FCA registration

Reference No: 730166

Trading names: Starling Bank

Place of business: Starling Bank Limited, 3rd floor, 2 Finsbury Avenue, London, EC2M 2PP

Data protection registration

Registration No: ZA087619

Data controller: Starling Bank Limited

Address: Starling Bank Limited, 3rd floor, 2 Finsbury Avenue, London, EC2M 2PP

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