Starling - Mobile Banking

Our personal, business and joint accounts make managing your money as seamless, simple and satisfying as it should be in 2026. It's why we're the Which? Recommended Provider for a seventh 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?

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 £120,000 by the Financial Services Compensation Scheme
• With 24/7 in-app support from real humans in the UK, we're always here to help
• Lock your card in-app and turn settings on and off, such as contactless, online, gambling and swipe payments

Business banking

No monthly fees. Get mobile and web banking access, 24/7 support and simplified accounting. Deposit cash at the Post Office from as little as £3, and deposit cheques in-app by taking a photo. Automate your expenses, ring-fence money for bills, keep track of invoices with instant payment notifications and spot where your business is spending with smart analytics. Voted Most Innovative Business Bank at RFI UK Banking & Finance Awards 2026.

The joint bank account

Manage collective household expenses or set aside money together; our joint account simplifies shared spending. Get instant payment notifications, track your spending with Insights, budget together and make important payments from one account.

Banking for the whole family, all in one app

Under 16s is our free debit card and app for 6-15 year olds. It's built seamlessly into the adult's Starling account (personal or joint) for better visibility and control.


Starling Bank Limited (trading as Starling) is registered in England and Wales (No. 09092149), 5th Floor London Fruit And Wool Exchange, 1 Duval Square, London, United Kingdom, E1 6PW. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

Recent changes:
A virtual card lets you spend directly from a Space instead of your main balance. Paying for petrol? Do it from your ‘Car’ Space. Travelling abroad? Make payments from your ‘Holiday’ Space. You can have up to 5 virtual cards at a time on your account. To get started, tap ‘Manage Space’ and then tap ‘Create a virtual card’.
PS: We'll stop supporting devices on Android 9 soon, so you need to update to the latest Android version to keep your app running smoothly and securely.