Starling Bank

The mobile only bank account 💸

4.7/5
About

Manage your money from your mobile with Starling’s mobile-only accounts for either personal or business, alongside our beautifully intuitive app.

Would you recommend this product?
Host of Indie Bites Podcast

For me, it's a 2 horse race between Starling and Monzo in the mobile challenger bank space. It is really, really good to have these two pushing each other. Sure you have options like Revolut and Atom, but I think these two just edge it.

I've used both Starling and Monzo for about a year and they are both excellent, truly excellent. I have never had a problem with either. In terms of functionality, they are both pretty similar but Starling are further ahead with their business and offerings as a whole. They were first to overdrafts, Apple Pay and business accounts.

However, I had Monzo about a month before Starling, and although feature wise Starling just edges it, I can't bring myself to switch over. It's about being part of Monzo's incredible community, I prefer the app (although Starling's does look snazzier) and having that sweet coral card alongside all the other people, admittedly just in London, is pretty cool. Is that potentially a odd reason to choose one product over another? Yes, probably, but that's just the effect Monzo has over people. Oh, and my mum uses it, that has to count for something.

Pros:

Wonderful challenger bank, excellent UX, exceptional setup, good support, Apple Pay

Cons:

I just can't leave Monzo's community :(

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Awesome onboarding experience - within 15 mins you have a bank account setup to receive money and an Apple Pay card issued to spend it.

Pros:

Apple Pay!

Cons:

Doesn’t have Monzo’s community

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Host of Indie Bites Podcast
Yes! Tom, I couldn't agree with this more. I love the fact Starling has Apple Pay, but you can't fault how good it feels to be part of Monzo's community. I can't bring myself to leave them.

These guys and gals aren't stopping with personal UK current accounts.

They've just released business accounts, international payments are available on Android, they have a public API for developers to integrate with and a marketplace of linked applications for wealth management.

They also run a payment services business.

Pros:

100% mobile. (Also v. responsive & helpful people available by chat/phone). Great UI. Lots of neat features atop all the usual bank stuff.

Cons:

I couldn't use the current account switching service to switch in from a joint account. No biggie. But worth knowing.

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I love that I can do EVERYTHING in app, unlike any other bank I've used in the past. I love features such as instant notifications and knowing to the second exactly how much money I have in my account.

Pros:

I can achieve everything in app; unlike other banks.

Instant notifications.

24/7 cust. service; in-app and phone.

Speed adding new features.

Cons:

Paying in cash via NatWest is clunky (am told Post Office support will be added soon.)

On the rarity I get a cheque it has to be posted in.

Director, Fledgling Press

Great new challenger bank. Manage your account directly from your mobile. Great, superfast account opening procedures.

Pros:

account opening process

Cons:

none

Aviator

A great way to do banking.

Pros:

All done on your phone.

Cons:

None at the moment.

iOS dev, gamer, Apple enthusiast, he/him

Switched 7 months ago and never looked back – no issues whatsoever. Best banking app I've used, speedy with great UI/UX. Spending breakdown is very helpful, and specific security toggles to disable specifically any of ATM withdrawals, online payments, contactless or card transactions are reassuring to have. Transactions show instantly, and bank transfers, even international, seem to show up very quickly too.

Pros:

Great UI/UX, speedy app, spending breakdown, instant transactions, Apple Pay

Cons:

Yet to find any! Wish app home showed weekly or monthly breakdown

DevRel @ Formidable

I've been with Starling as my main account since May 2017 and I've never looked back! Fully jumping onto a modern bank account compared to one from a “traditional” company has been a breeze! Transactions go through immediately, notifications are amazing, spending breakdowns, ...you name it!

Pros:

Great UI, Comprehensive Overview over Spending, Frequent new features

Cons:

Looking at Monzo, Starling is not the “first”, but definitely it's been first to become a bank

Partner, Deloitte

great bank, great ideas, great UI, great people - refreshing change

Pros:

awesome - mobile only

Cons:

have to put my password in too many times

Had Starling since last summer. Free use abroad is good

Pros:

easy to use, no hidden charges

Cons:

MasterCard debit card not recognised everywhere

Now I've switched to Starling from the Dinosaur banks I've finally managed to get complete handle on how much I spend every month. Not JUST at the end of each month but as I spend it with all of Starlings instant spending & payment notifications, no need to shuffle money between accounts though out the month and constantly being caught out if I forgot money went out of one account but the money was in another savings account causing HUGE fines even though I had the money in their bank a Starling Bank has one account and lots of Goals allowing you to split off money but if you spend more than is in the account and go over drawn it just uses the money from the goal so you don't get charged! :D

Pros:

AMAZING instant spending analysis, there great App and GOALS!

Cons:

All the amazing new features they are developing aren't out yet?! LOL SO NONE! :p

business

This bank can not handle simple business to business transactions

Pros:

none

Cons:

this is a useless bank, not intended for business

Love everything tech!
I have had both Starling and Monzo since they first came out. At first, I predominantly used Monzo as I liked the design and the no-charge for use abroad. However, after Monzo started charging fees abroad, I focused on Starling and moved across to Starling as my main account. I really like the Spaces feature (similar to Monzo's Pots) saving for specific goals whilst still getting interest on it. The customer service is pretty good and the security features are really helpful. I also integrate with some personal finance management apps and being able to add Starling with just a fingerprint is ahead of the likes of Monzo and certainly all the incumbent banks with endless login details!
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