Starling - Mobile Banking

Manage your money with Starling’s mobile banking app for personal and business.

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 3.75% AER / 3.68% 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 Comp