Starling Bank
Starling Bank: A no-monthly-fee UK bank account with budgeting, payments and savings tools. Ranked #1 of 55 in Neobank Apps by our editors (9.3/10); pricing: Free plan; best for UK customers wanting a versatile everyday bank.
At a glance
- Editor score9.3 / 10
- PricingFree plan
- Best forUK customers wanting a versatile everyday bank
- Free planYes
- Paid fromFree
- Account scopeBoth
- Facts checked14 Nov 2026
Where it wins
- Offers personal, joint and business current accounts.
- Spaces, virtual cards and Bills Manager help organize spending.
- Supports cash deposits, cheque deposits and international payments.
Where it doesn't
- Some optional services may carry charges.
- The Easy Saver interest rate is variable.
- It is a bank account offering, not a conventional software subscription.
Our verdict on Starling Bank
Starling Bank is a UK bank with personal, joint and business current accounts managed through its mobile app and online banking. It is suited to customers who want an everyday account with budgeting and payment tools, as well as sole traders and small businesses seeking a business current account. Accounts are available through iOS, Android and the web, and personal accounts have no monthly fee.
Its budgeting tools give the account more day-to-day flexibility than a basic place to hold and move money. Customers can organize funds and savings goals in Spaces, create virtual debit cards linked to Spaces, and use Bills Manager to pay bills from a dedicated Space. Spending insights and transaction categorization support expense tracking. For adding money, the bank supports transfers, mobile cheque deposits and cash deposits at Post Office branches. Apple Pay, Google Pay, Garmin Pay and Samsung Pay are supported, alongside international transfers and SEPA payments.
The Easy Saver provides an easy-access savings option with variable interest, so the rate can change over time. Starling advertises no monthly fee for personal accounts, while some additional services may carry charges; it is therefore worth checking the terms for any service beyond the everyday account. In-app support is available, with chat, phone and email channels also listed. Choose Starling if you want a UK current account that brings budgeting, bills, deposits and savings into one banking relationship. It is less suited to someone shopping for a conventional software subscription or a fixed-rate savings product.
Your product? Our editors can test Starling Bank in depth and publish a review, labelled as paid · from $149/mo →
Starling Bank pricing
Starling Bank fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Account scope | Both |
| Early pay access | Not verified |
| Cash deposit support | Yes |
| International transfers | Yes |
| Savings yield | 4.00% AER variable on balances up to £25,000; 2.75% AER standard rate above that or after the first six months |
| Supported currencies | Not verified |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | GDPR, 2FA |
| Support | Live chat, Phone, Email, Docs · 24/7 |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 4 integrations: Apple Pay, Google Pay, Garmin Pay, Samsung Pay |
| Pricing | Free plan |
| Website | starlingbank.com |
| Facts checked | 14 Nov 2026 |
Starling Bank integrations
Starling Bank lists 4 integrations on its own site.
- Apple Pay
- Google Pay
- Garmin Pay
- Samsung Pay
Alternatives to Starling Bank
- bunqFlexible European banking with personal and business accounts, cards, and international transfers.9.2
- MonzoA free UK current account with budgeting tools, card controls and paid feature tiers.9.1
- Revolut BusinessA business account for managing international money movement, cards, and expenses across teams.8.9
See all Starling Bank alternatives →
Starling Bank vs the competition
- Starling Bank vs bunq
- Starling Bank vs Monzo
- Starling Bank vs Revolut Business
- Starling Bank vs Capital One 360 Checking
- Starling Bank vs KakaoBank
- Starling Bank vs Rakuten Bank
Compare Starling Bank with any tool side by side →
Used Starling Bank? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Starling Bank for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
Starling Bank is listed in our Neobank Apps directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/starling-bank/"><img src="https://www.itechguides.com/best/badge/starling-bank.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update