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Starling Bank is a digital bank that lets customers manage their money through its app, with no branches and 24/7 UK-based customer support. Its personal current account has no monthly account fee, and customers can also apply for linked products such as savings accounts, joint accounts and children’s debit cards through the app.
Starling’s personal current account is an app-based bank account for everyday spending, bills and budgeting. It comes with a debit card, real-time spending notifications, Spaces for setting money aside, Bills Manager, spending insights and fee-free card spending and cash withdrawals abroad from Starling.
Starling also offers joint current accounts for two people who want to manage shared spending, bills or savings together. Joint account customers can use shared Spaces, Bills Manager, spending insights, Round Ups and card controls, and both account holders get visibility over shared spending.
Starling offers business current accounts for eligible businesses and sole traders. Its business account has no monthly fee and includes features such as free invoicing, spending insights, tax-management tools, receipt capture and integrations with accounting software.
Starling’s euro account lets eligible personal current account customers hold, send and receive euros. There are no monthly fees to hold, send and receive euros, although Starling charges a 0.4% conversion fee when exchanging money between GBP and EUR accounts.
The right Starling Bank current account depends on how you plan to use it.
Starling’s personal current account may suit you if you want a free, app-based account for everyday banking, budgeting, bills and spending abroad.
A joint account could be useful if you want to manage shared household bills, rent, food shopping or savings goals with another person.
A business account may be suitable if you’re self-employed or run an eligible business and want tools to help manage income, spending, invoices, tax and receipts.
A euro account could be helpful if you regularly send, receive or hold euros, or if you have financial commitments in Europe. You’ll need a Starling personal current account before you can apply for a personal euro account.
Starling does not focus on packaged-account perks in the same way as some banks, such as bundled insurance, entertainment subscriptions or paid reward tiers.
Instead, its main benefits are built around money management and app-based banking. These include Spaces for budgeting, Bills Manager, Round Ups, spending insights, real-time notifications, card controls and fee-free spending and withdrawals abroad from Starling.
Starling also offers linked savings options, such as Easy Saver products, subject to eligibility and account type. For example, Starling says its Joint Easy Saver pays 2.50% AER variable, with interest paid monthly and access to the money at any time.
A Starling Bank current account may appeal if you want:
To apply for a Starling personal current account, you’ll need to live in the UK and be aged 18 or over. Starling says terms and eligibility criteria apply.
For a joint account, both people need to have Starling personal accounts first. Starling says the option to apply for a joint account is only available to customers aged 18 or over who meet its criteria.
For a business current account, you must be aged 18 or over and based in the UK. Starling reviews business applications case by case, and there are additional eligibility requirements depending on the business type and structure.
Some features, such as overdrafts and secondary accounts, are subject to eligibility and may only appear in the app if you meet Starling’s criteria.
Starling offers arranged overdrafts on personal current accounts, subject to eligibility and a credit check. Customers can check whether they’re eligible and manage their overdraft through the Starling app.
Starling says it offers arranged overdraft interest rates of 15%, 25% and 35% EAR variable, with a representative APR of 15% variable. Interest is accrued daily and charged on the 15th of the following month.
Starling does not charge an additional fee on top of the interest paid. Customers can also use the in-app overdraft cap to control how much of their arranged overdraft is available to use.
If you go over your arranged limit or go overdrawn without an overdraft in place, Starling says it will not charge fees or interest on the extra amount, although payments may be declined if there is not enough money in the account.
Yes, Starling supports current account switching.
You can switch an existing account to Starling using the Current Account Switch Service. This can move your balance, Direct Debits, standing orders and regular payments from your old account to your new one.
Starling also says joint account customers can switch a joint account from another bank to Starling, with the switch completed within seven days.
Before switching, it’s worth checking that Starling offers the features you need, especially if you rely on branch banking, in-person services, packaged account benefits or a specific overdraft facility.
Before opening a Starling Bank current account, it’s worth comparing it with other current accounts to make sure it suits the way you manage your money.
With MoneySuperMarket, you can compare current accounts from a range of providers and look at features such as monthly fees, overdraft options, rewards, switching incentives, app-based banking tools, travel benefits and account types.
Once you’ve compared your options, you can choose the account that best matches your needs — whether that’s a digital current account like Starling, a joint account, a packaged account with extra benefits, or an account with an arranged overdraft.
Comparing current accounts can help you understand what’s available before you apply, so you can feel more confident you’re choosing the right account for your everyday banking.
Reviewed on 30 Jun 2026
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
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