The mobile only bank account 💸
Manage your money from your mobile with Starling’s mobile-only accounts for either personal or business, alongside our beautifully intuitive app.
Great UI/UX, speedy app, spending breakdown, instant transactions, Apple PayCons:
Yet to find any! Wish app home showed weekly or monthly breakdown
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.Seb Jachec has used this product for one year.
Wonderful challenger bank, excellent UX, exceptional setup, good support, Apple PayCons:
I just can't leave Monzo's community :(
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.James McKinven has used this product for one year.
Great UI, Comprehensive Overview over Spending, Frequent new featuresCons:
Looking at Monzo, Starling is not the “first”, but definitely it's been first to become a bank
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!Phil Plückthun has used this product for one year.
I can achieve everything in app; unlike other banks.
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.
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.Thomas Horne has used this product for one year.
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
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! :DGareth Blain has used this product for one year.
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.
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.Daniel Osborne has used this product for one year.
awesome - mobile onlyCons:
have to put my password in too many times
great bank, great ideas, great UI, great people - refreshing changeNigel Walsh ☀️☀️☀️ has used this product for one month.
Doesn’t have Monzo’s community
Awesome onboarding experience - within 15 mins you have a bank account setup to receive money and an Apple Pay card issued to spend it.Tom Jenkins has used this product for one year.
account opening processCons:
Great new challenger bank. Manage your account directly from your mobile. Great, superfast account opening procedures.Paul Cain has used this product for one month.
All done on your phone.Cons:
None at the moment.
A great way to do banking.Lloyd Bentley has used this product for one month.
easy to use, no hidden chargesCons:
MasterCard debit card not recognised everywhere
Had Starling since last summer. Free use abroad is goodStephen Clifford has used this product for one year.