Starling Logo on Card Insert

What is Starling Bank?

Starling Bank is our top pick for an app-based banking service in the UK.

With Starling you get instant payment notifications, budgeting features, interest paid on savings, and more.

Starling Bank Account

App Available for iOS and Android

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What Features Does Starling Bank Have?

With Starling Bank you get access to features including:

  • UK bank account number and sortcode
  • Free contactless Mastercard to use for spending & ATM withdrawals
  • Interest paid on savings
  • 24/7 customer support inside the app
  • Budgeting features such as savings pots and rounding-up payments
  • Automatic categorisation of transactions
  • Free spending and ATM use abroad
  • Overdraft and lending facilities
  • Member of CASS – the Current Account Switch Service
  • Business accounts available


Starling Bank are one of the few app-based banking services to pay interest on money held, at 0.5% AER on balances up to £2,000, and 0.25% on balances above £2,000 (up to £85k).

Overdrafts and Lending

Starling offer an overdraft facility, as well as personal loans. Once your account is approved you will see the overdraft offered to you, and you can set the overdraft to be lower if required.

Card, Spending and ATM

With Starling you get free spending and ATM withdrawals with a free contactless Mastercard.

The ATM limit at Starling is far better than competitors, you can make up to six withdrawals a day totaling a maximum of £300.

Can I use my Starling card abroad?

Yes, you can use your Starling bank card abroad to spend and make ATM withdrawals with no additional fees.

Easy Bank Account Switching with CASS

Starling have signed up to CASS – the Current Account Switch Service – which means you can automatically switch from another bank account, transferring over all your direct debits and similar. This an optional service you can take advantage of, depending on whether you want to have Starling as your primary or secondary bank account.

Is My Money Safe With Starling?

Money held with Starling Bank is FCFS protected, meaning your savings are automatically protected up to £85,000.

Business Accounts

As well as personal accounts, Starling are one of the few challenger banks that offer accounts for businesses.

Starling’s business account can be integrated with Xero or FreeAgent, and you can pay cash in via the Post Office.

Compare Starling Bank

ServiceGood ForSavings InterestFCFS ProtectedMore
StarlingBudgeting, Saving0.25% – 0.5%More
MonzoBudgeting, SafetyNoneMore
Revolut🌏 💱NoneNoMore
Atom BankSaving, Mortgages0.8% – 1.8%More
TandemSaving1.6% – 2%More
PlumInvesting, FacebookNoneNoMore
ChipSaving0% – 5%NoMore

Review Summary

Starling Bank
  • Features
  • Fees
  • Trust & Safety


Our recommended app for personal banking. No monthly fees and a wide range of features.

Company Location

Starling are based in the UK ??

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