Starling Bank - Mobile Banking

In today's fast-paced world, managing your money should be seamless, simple, and satisfying. That's why we offer personal, business, and joint accounts that make banking easier than ever before. With our online banking platform, you can open an account in just minutes, right from your phone. Join the millions of satisfied customers who have already discovered the better way to bank with us.

So, what's in it for you? With our free current accounts, you can earn interest on your money. Our personal and joint accounts offer an impressive 3.25% AER / 3.19% Gross (variable) interest on balances up to £5,000. Interest is calculated daily and paid monthly. Not sure what AER and Gross mean? AER stands for Annual Equivalent Rate and shows what the interest rate would be if it was paid and compounded once a year. Gross is the contractual rate of interest payable before the deduction of income tax.

But that's not all. We also offer no overseas fees, meaning you won't be charged for using your card abroad or withdrawing cash from an ATM. Plus, we give you the Mastercard exchange rate with no additional fees. You'll even receive notifications in the local currency and in GBP.

Our banking platform also offers better budgeting tools to help you manage your money. Use our Spaces feature to set money aside in a virtual change jar, complete with personalized pictures and a target goal. You can also track your progress and receive instant payment notifications in real-time. Our Spending Insights feature helps you understand where your money goes and how to make savings. And with Bills Manager, you can easily set aside money for bills, so your main balance only shows what's available for day-to-day spending. Plus, you can save on autopilot by automatically rounding up payments to the nearest pound and putting away the spare change. And with our Starling Marketplace, you can connect to other money management tools, such as PensionBee and Wealthify.

Our banking platform also makes it easy to pay and get paid seamlessly. You can send a simple link to get paid back if someone owes you money. We also offer easy international transfers to 37 countries with no hidden fees or exchange rate markups. Plus, you can pay people instantly in-app without needing a fiddly card reader. And with our digital cheque deposit feature, you can deposit cheques from your phone and even pay in cash at the Post Office.

At Starling Bank, we prioritize the safety of your money. That's why we're covered up to £85,000 by the Financial Services Compensation Scheme. And with 24/7 in-app support from real humans in the UK, we're always here to help. You can also lock your card in-app and adjust settings, such as contactless, online, gambling, and swipe payments.

But we don't just offer personal banking. We also have options for businesses and joint accounts. Our business banking has no monthly fees and includes mobile and web banking access, 24/7 support, and simplified accounting. You can even deposit cash at the Post Office for as little as £3 and deposit cheques in-app by taking a photo. Our business banking also offers features like automated expenses, ring-fencing money for bills, and smart analytics to track your spending. And in 2023, we were voted Best Business Banking Provider.

Our joint account simplifies shared spending for couples or households. You can earn interest, receive instant payment notifications, and track your spending with Insights. Plus, you can save up together and make important payments from one account. And for families, we offer Kite, a free debit card and app for 6-15 year olds. It's seamlessly integrated into the adult's Starling account for better visibility and control.

At Starling Bank, we're registered in England and Wales as Starling Bank Limited. We're authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Join us today and experience the future of banking in 2024.