In order to start banking with Starling Bank, you will need to have an active account first. If you still don't have one or would like to know more about having an account with this bank, then be sure to read this detailed guide so you will be more informed.
| Operator | Card | Reliability | Best in | Score | |
|---|---|---|---|---|---|
#1
|
Visa, MasterCard | Low and transparent fees with mid-market exchange rates | International Money Transfers | 97 | Open Account |
#2
|
Visa | Online banking with no monthly fees | Spending Account | 96 | Open Account |
#3
|
Visa | Hybrid banking with quality support | Hybrid Banking | 94 | Open Account |
You must be a UK resident and aged 16 to have a Starling Personal Account. You must present an ID like a UK passport or driver's license.
You can open a Starling business bank account as a lone trader or a limited company. When you still don't have a Starling Bank account, you'll need to provide one of the following to prove your identity:
Starling may additionally request one or more of the following to confirm your business type:
You must be a UK resident for you to open a Starling account. You should be the owner of a limited company and be the only person with significant control in a business account. Starling bank can only access directors registered in companies' houses and UK residents.
Starling Bank offers a free business account and the good news is that it has no monthly fees. That means you can use and maintain the account without having to pay for a subscription fee.
You may deposit cash into your account through the post office and deposit cheques less than 500 euros through the starling bank app. Starling doesn't pay interest on business accounts and sole trader current accounts.
The Starling Bank joint account offers features mostly the same as a personal account at the challenger bank. Both account holders earn 0.5 percent AER on balances up to £2,000 and 0.25 percent AER on credits beyond £2,000 up to £85,000.
A joint account can each request a MasterCard debit card. Each account holder can make up to six withdrawals per day with a maximum of £300 per card.
Opening a student bank account in Starling is easy and you can open it through a mobile personal current account. Here are the features when you open a student account:
The Starling Euro account allows you to send, receive, and store euros, as well as move funds between your GBP and EUR accounts at any time. You will get your IBAN (International Bank Account Number) and £85,000 in FSCS insurance.
Starling's US dollar business account will enable customers who regularly do international transactions to carry, send, and receive in USD from the Starling app.
You can find the bank account number on the back of the debit cards. You can also get this detail using the Starling bank app via the User Settings menu.
The Starling Joint Account card is dark green to minimize confusion with the personal account card. On the face of the card, it also states Joint.
The Starling Bank may be closing your account if you do not comply with the terms and conditions stated on their website. Under the terms and conditions of your account, they will withdraw your access to banking facilities by providing you with notice in writing and will go through investigations in line with company policy.
You can make payments in the app but with daily limits. In some cases, you may be required to submit proof of payment. Keep in mind that the transaction cap is £250,000.
To log in to your account in Starling, you must follow the three easy steps.
The bank provides the ability to grant access to your multi-user Starling business account to team members who aren't in positions of considerable responsibility.
There are a lot of reasons a Starling account is restricted. One of these is if you agree with the third party to access your account or they gained it without your knowledge, then the financial crime team will take action.
At Starling, they don't display codes like account sort codes in bank cards because all customers have the same publicly available codes. Customers of Starling can easily find their account sort codes via the starling app and online banking platform. Since Starling has no branches, all clients have the same sort code, 60-83-71.
No. Starling doesn't have Premium Accounts. All of the accounts that they offer don't require a premium.
With Starling, you may create a new account. It is possible to do so on the Starling App by clicking the main menu, swiping down, tapping the open new account button, selecting the type of account you want, and following the instructions to open the account. The additional accounts you can open will be determined by the accounts you already have at Starling Bank:
If you forget your pin, you can go to the Starling Bank app and follow these steps:
To close your starling account, go to the app. For Android or Huawei users, First, you must go in the main menu, Second top right of the home screen and swipe down on the menu, Then hit the circle with three dots in the right of the account you want to close, Lastly hit close account and follow prompts. For the iOS users, go to the main menu and top right of the home screen, next swipe down on the menu and hit the three-circle dots into the right of the account that you want to close and then hit close account and follow the prompts.
Starling won't charge you for basic transactions and banking services, and there's also no monthly fee. If you're planning to send money abroad, there will be a fee, and the charge for the cost depends on the receiver's country and the number of funds transferred. Withdrawing cash for personal current account holders is free when you're in the local post office.
You will need a smartphone, an internet connection, and a small amount of your time for the process. You can download the starling bank app through iOS or Android. You will be asked for your contact number, and you will receive a verification code.