Starling Bank | Mobile only bank account

2764 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.

2764 reviews

4.6 out of 5 stars

19:30 13-12-2018
ImageSmart Money People

I say big thank you for this bank.


New and create services
12:44 13-12-2018
ImageSmart Money People

Happy with Starling Bank ...New on the market ... Many thanks Alex

Tarabuta Alex Razvan

Money made my way
21:14 12-12-2018
ImageSmart Money People

I have complete control over my finances. The app is so clear and easy to use. Love it! Getting my family and friends on it too :)


Oh dear Starling!
19:26 12-12-2018
ImageSmart Money People

Quite a poor first impression to the point that I closed the account as soon as it was verified! It took days to verify and it seems you can deposit money but not withdraw until you're verified. Not clear from the beginning that the email you get that says 'Your're In' does not mean your account is totally usable (see above), CS take not hours but days to respond. Had problems with the app to right from the start; after loading the app and logging out, when you try to log back in again it took you to the 'verify' screen. You had to uninstall/reinstall the app to get beyond this screen but after logging out and logging back in you got the 'verify' screen so, yep, you had to uninstall/reinstall the app to go further. I'm off to Monzo now...


ModernnBanking at its finest.
11:33 12-12-2018
ImageSmart Money People

Made the decision to embrace modern banking after 30yrs with Halifax. Easy setup within 5mins and the current account switch went through seemlessly. The dashboard is fantastic for keeping an eye on your spending and makes budgeting a doddle. Thoroughly recommend. Well done Starling!!


Super fast set up, great customer service
10:34 12-12-2018
ImageSmart Money People

It only takes a few minutes to open a Starling current account - such a sleek and smooth process. Their customer service team are on hand 24 hours a day, so if you do have a question, you can call when you like.


Best bank ever!
10:32 12-12-2018
ImageSmart Money People

An absolutely fantastic bank! Wonderful customer service in every way, and a fantastic product

Sarah Deakin

would be lost without it
10:31 12-12-2018
ImageSmart Money People

I never knew how bad i was at managing money, until i started to use Starling. The banking app gives me real-time visibility of my cashflow, meaning i know exactly what i'm spending and when. It even gives me a warning to let me know money is running out so i don't overspend or end up in an overdraft.

Zubair Mohammad

My foreign account
03:23 12-12-2018
ImageSmart Money People

I love that Starling saves me money now when I'm abroad. I don't need to take a load of cash to make sure I'm getting a good exchange. And the interest on my account - ah, so kind of them.

Lifya Waddley

01:08 12-12-2018
ImageSmart Money People

There are no problems plus they have a beautiful card


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 on soft credit search)
  • Interest at 0.5% AER on balances up to £2,000

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, 2 Finsbury Avenue, London, EC2M 2PP

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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