Your habit-building current account.
Organise your money, view spending insights and split payments all on one easy-to-use app.
You must be 18 or over, live in the UK, and have valid photo ID to apply for a personal current account. Terms and eligibility criteria apply.
Why choose us?
Feel more organised.
Spaces are like virtual change jars within your account. Use them to set aside and organise your money – however you like – then add a name and picture to make them your own.
See where it all goes.
Keep an eye on where your money is going with Spending Insights. Spot trends across 50+ different categories and create customisable graphs to help you visualise your spending better.
If you’re awake, so are we.
24/7 support, 365 days a year, from our UK-based teams. No ifs, no bots.
More features from your award-winning current account
Instant alerts
We’ll let you know every time you spend, get paid or pay a bill. And if you want, we can also notify you whenever your account balance hits or dips below a certain amount.
Bills manager
Put bills on autopilot, and pay them from a separate Space in your app. You’ll get a clear view of what’s left for daily spending.
Virtual cards
Have a debit card for every budget. Each virtual card is linked to a Space, and can only spend the money in that Space.
Settle up
Get paid quickly by sending payment links to friends with Settle Up, with no need to swap bank details – even if they don’t use Starling.
To open a Starling personal current account, you must be a UK resident aged 18 or over, with a valid photo ID and a UK mobile number. You’ll also need a smartphone to use our app. We’ll carry out a soft credit check as part of the application process – this won’t affect your credit score. Additional eligibility criteria may apply.
- 24/7 support, 365 days a year, from our UK-based teams. No ifs, no bots.
- Deposit cheques of up to £1,000 by simply taking a photo of it in the app.
- Withdraw £300 a day from ATMs. Deposit £1,000 each year for free, with a 0.7% fee thereafter.
- No monthly fees and no surprise charges. Just a simple, straightforward current account.
- No fees from us overseas. We won’t charge for using your card abroad.
- Mobile wallet. Add your debit card to spend with your phone.
- Lock your card with a tap if you misplace it, so it can’t be used.
- Online banking if you prefer to manage your money on a computer.
-
Direct Debits can be paid from your main balance or a Space you choose, giving you control over
where your money is sent from. - Contactless payments. Choose your own limit, up to £100.
- Statements are downloadable in the app, with custom ranges.
Everything you want
Everything you want
- 24/7 support, 365 days a year, from our UK-based teams. No ifs, no bots.
- Deposit cheques of up to £1,000 by simply taking a photo of it in the app.
- Withdraw £300 a day from ATMs. Deposit £1,000 each year for free, with a 0.7% fee thereafter.
- No monthly fees and no surprise charges. Just a simple, straightforward current account.
- No fees from us overseas. We won’t charge for using your card abroad.
- Mobile wallet. Add your debit card to spend with your phone.
- Lock your card with a tap if you misplace it, so it can’t be used.
- Online banking if you prefer to manage your money on a computer.
-
Direct Debits can be paid from your main balance or a Space you choose, giving you control over
where your money is sent from. - Contactless payments. Choose your own limit, up to £100.
- Statements are downloadable in the app, with custom ranges.
A quick note on fees
There’s no monthly fee and no charges for day-to-day account use. We’ll always be upfront about any extras, like cash deposits over £1,000 a year or CHAPS payments, and we’ll show you any costs in the app before you go ahead.
See our full fees and charges for all the details.
It’s so easy to
switch your account to us
The Current Account Switch Service does it all for you. Money, payees and Direct Debits are moved in seven working days.
Plus, money sent to your old account is instantly forwarded to your new account.
How do we stack up
against other banks?
Feature
Starling - Current Account
NatWest - Select Account
Lloyds Bank - Classic Account
HSBC - Bank Account
Santander - Everyday Current Account
Monzo - Current Account
App Transaction History
real time
pending transactions
pending transactions
pending transactions
pending transactions
real time
Mobile App Card Security
lock, unlock, cancel
lock, unlock, cancel
cancel
lock, unlock, cancel
lock, unlock, cancel
lock, unlock, cancel
Arranged Overdraft Representative APR
15.00%
39.49%
29.90%
39.94%
39.94%
39.00%
ATM World £100 Cost
£0
£2.75
£4.49
£4.75
£2.95
£0
Faster Payments App Limit
£1,000,000
£20,000
£25,000
£50,000
£25,000
£10,000
App Cheque Imagi
Compare all banks and features
Data supplied by Defaqto and correct as of 16 February 2026.
Apply for a Starling bank account today and enjoy app-based banking at its
best.
Frequently asked questions
What is a current account?
It’s a bank account designed for holding and withdrawing money. Most people have their salaries paid into a current account, and they’re used for things like Direct Debits, paying bills, and your day-to-day shopping.
Is a debit card a current account?
When you open a personal current account, you’ll usually be sent a debit card, too – so you can make transactions from your account. Learn more about debit cards, account numbers and sort codes.
When you open a Starling personal current account, we’ll aim to have your debit card with you after 5-7 working days. You can add the digital version of your debit card to your mobile wallet as soon as your account is approved, and can use it to spend straight away – even before your physical card arrives!
Do I need any documents to apply?
To open an account, you’ll need to provide at least one of the following ID documents:
- A valid passport
- EU/EEA ID card
- UK residence permit
- UK photocard driving licence (full or provisional)
We may also ask you to provide a document that proves your address. We’ll perform a soft credit check, which won’t affect your credit score.
Independent service quality survey results
Personal current accounts, Great Britain
Published February 2026.
As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
View the full set of results
The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.
Apply for a Starling bank account today and enjoy app-based banking at its
best.
Important information
Current Account General Terms
Personal Current Account Schedule and Rates, Fees & Charges
Glossary of Banking Terms
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