Starling Bank - Mobile Banking

from United Kingdom of Great Britain and Northern Ireland (the) 

Neobank

App store Ranking : 4.9

Founded in 2014

Private |

Transform the way you manage your money with Starling Bank. Enjoy personal and business banking online and at your fingertips, always. Apply in minutes.

Starling Bank app screenshoot 2
Device frame
Starling Bank app screenshoot 1
Device frame

Note: This review below has been generated using AI (12/04/2025 12:37:44), based on the analysis of App Store reviews from the last 90 days. The insights provided are derived from aggregated user feedback and aim to give you an overview of the app's current performance and user sentiment. More info here 

Emoji icon 1f64c.svg

Summary

Recent reviews from the last 90 days: User sentiment is mixed. While many praise Starling's ease of use, speed, and helpful features like Spaces, a significant number of recent reviews express frustration with account rejections (especially for savers and business accounts) without explanation, technical issues with the app (freezing, slow loading), and the removal of interest on current accounts. Some users also desire feature parity with competitors, such as spending limits and historical balance reviews.

Pros:

  • - Easy to use and intuitive interface.
  • - Spaces feature is highly valued for saving and budgeting.
  • - Excellent customer service (though some negative experiences noted).
  • - Fast and efficient transactions.
  • - Good security measures.
  • - No foreign transaction fees.
  • - Useful for business users (invoicing, etc. - though some business account issues reported).

Cons:

  • - Account rejections without explanation (especially for savers and business accounts). This is a recurring and prominent complaint in recent reviews.
  • - App performance issues: freezing, slow loading, especially on newer iPhone models.
  • - Removal of interest on current accounts and pots is a major disappointment for some users.
  • - Lack of some features found in competitor apps, such as spending limits, historical balance reviews, and transaction splitting.
  • - Frustration with security questions and identity verification requirements.
  • - Difficulty with international payments.
  • - Occasional clunky experience with joint accounts and savings transfers.

Starling Bank - Mobile Banking

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

See what others are saying before you choose your neobank.

Starling Bank Alternatives

F.A.Q.

Got questions? We've got answers.

Affiliate Disclosure Instead of banner ads and paywalls, Neobanque makes money through affiliate links to the various payment service providers featured on our website. While we work hard to scout the market for the best deals, we're unable to consider every possible product available to you. Our extensive range of trusted affiliate partners enables us to make detailed, unbiased, and solution-driven recommendations for all types of consumer questions and problems. This allows us to match our users with the right providers to suit their needs and, in doing so, match our providers with new customers, creating a win-win for everybody involved. However, while some links on Monito may indeed earn us a commission, this fact never impacts the independence and integrity of our opinions, recommendations, and evaluations.