Starling Bank review
A no-monthly-fee UK bank account with budgeting, payments and savings tools.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
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.
Starling Bank pros and cons
- 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.
Starling Bank fact sheet, pricing and score →
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