Starling Bank

Starling Bank is a UK digital bank that provides personal, joint, business, and under-16s accounts through a single mobile app, covering spending, saving, and money management without branch visits. It addresses the need to organise everyday finances, separate money for specific purposes, and keep track of spending and bills.

Core features include Spaces, which hold money separately from the main balance and can be linked to virtual cards, plus Round Ups, Split Payment, Bills Manager, and Spending Intelligence for asking questions about spending habits. Savings options include Fixed Saver, Easy Saver, and a Flexible Cash ISA. Security tools include face and fingerprint recognition, Scam Intelligence for flagging potential scam screenshots, and 24/7 UK support. The app also offers integrations, invoicing, bookkeeping, VAT Returns, Making Tax Digital, and a Marketplace for third-party insurance, pensions, and accountancy tools.

Starling serves individuals, families, couples, businesses, and children under 16, with accounts managed from one app. Business accounts carry no monthly fees, and the under-16s debit card is free. Eligible deposits are protected up to £120,000 by the FSCS.