About Starling Bank

Award-winning UK digital bank with 4M+ customers
No monthly fees, fee-free spending abroad, instant notifications
Fully FCA authorised, FSCS protected up to £85,000
App Store 4.9★ (548K reviews, May 2025)
24/7 UK-based customer support
Advanced budgeting, savings, and bill-splitting tools

GoNoGo 100-Point Framework Breakdown

Regulatory Compliance 12

12/12

Fully FCA-authorised, FSCS protected. No major fines or sanctions reported in 2024–2025.

Customer Satisfaction 23

21/23

CSAT: 93% (Finder UK, 2025).
Reviews: Trustpilot 4.3★ (43K), App Store 4.9★ (548K), Google Play 4.8★ (127K).
Sentiment: Praised for app usability and customer service; some complaints about lack of branches.
Resolution: Ombudsman complaints well below sector average.

Product Value 20

19/20

Free current account, competitive overdraft, strong savings tools. No hidden fees, excellent FX rates.

Innovation 12

12/12

Consistent leader in digital banking features, frequent updates, open banking integrations.

Security 9

9/9

Biometric login, instant card freeze, strong anti-fraud. No major breaches since 2023.

Accessibility 9

9/9

Highly rated mobile app, voiceover and accessibility features. No branches, but strong digital access.

Sustainability 5

4/5

Public commitments to net zero, transparent reporting. No fossil fuel lending, but limited green product range.

Additional Features 10

1/10

Few perks or rewards, but strong integrations with external services and open banking.

Key Concerns

No physical branches for in-person service
No cheque or cash deposits at branches (Post Office only)
Some users want more rewards and perks
Business account features behind paywall
No joint savings accounts
No credit cards offered
Limited international banking options
Customer service can be slow at peak times

Key Features

Fee-free spending and withdrawals abroad
Savings Spaces and round-up savings
Advanced budgeting and bill-splitting
Apple Pay, Google Pay, Samsung Pay
24/7 UK-based customer support
Instant card freeze, biometric login, and fraud alerts

Pricing & Limits

Account	Monthly Fee	Key Features
Starling Personal	£0	No monthly fee, fee-free spending abroad, savings Spaces, overdraft available
Starling Kite (Kids)	£2	Parental controls, spending limits, app access for kids aged 6–16
Starling Business	£0–£7	Free basic business account, or £7/month for Business Toolkit features
Debit Card	£0	Fee-free UK ATM withdrawals, limits apply abroad

Recent Customer Feedback (May 2025)

POSITIVE Finder UK, Apr 2025

"I wanted a debit card I could use abroad without fees, and the app allowed me to do that really easily."

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NEUTRAL Trustpilot, Apr 2025

"There aren’t any branches, but how many times do you really need to go into a bank branch? It was fast and easy to set up the account just on the phone."

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NEGATIVE Google Play, May 2025

"Customer service is generally good, but can be slow to respond at peak times."

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NEGATIVE Trustpilot, Apr 2025

"Would like to see more rewards and perks for loyal customers."

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About Starling Bank

Key Strengths

Key Concerns

Key Features

Pricing & Limits

App Store Ratings

Recent Customer Feedback (May 2025)