Starling Bank - Mobile Banking

Our personal, business and joint accounts make managing your money as seamless, simple and satisfying as it should be in 2025. It's why we're the Which? Recommended Provider for a sixth year in a row.

Apply for 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 the Easy Saver

• Earn 4.00% AER / 3.92% gross (variable) interest with our easy-access savings account, managed in your app.

• Add money as often as you like, in just a few taps. Withdraw whenever you need to, with no notice period and no penalties. There's no minimum deposit, and you'll earn interest on everything up to £1 million.

18+, UK residents. Interest paid monthly. Starling personal current account required. Subject to eligibility. Gross is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

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.

Pay and get paid seamlessly

• Owed money? Send a simple link to get paid back.

• Enjoy easy international transfers to 34 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 is 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 set aside money together; our joint account simplifies shared spending. Get instant payment notifications, track your spending with Insights, budget 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.