Starling Bank

Summary
Starling Bank is a digital bank offering personal and business accounts with a focus on mobile-first money management. It provides features such as instant spending notifications, budgeting tools, fee-free international spending, and 24/7 customer support.
Rationale
Starling Bank offers personal and business bank accounts with features like instant notifications, spending insights, and fee-free spending abroad, which aligns with transparent low fees and borderless debit card. They also emphasize their mobile app, 24/7 customer support, and regulatory compliance. While they don't explicitly mention 'mid-market exchange rate transfers' in the same way Wise does, they state 'no foreign transaction or withdrawal fees, and we never mark up the exchange rate,' which implies a similar benefit. They also offer 'Spaces' which function as sub-accounts for organizing money, similar to a multi-currency account's ability to manage different pots of money, though not explicitly for different currencies.
Pricing
Free
Personal Account
£0.00/ monthly
  • FSCS protection up to £85k
  • 24/7 UK customer support
  • Instant card locking
  • Overdrafts (if eligible)
  • Fully regulated UK bank accounts
  • Scan cheques in-app
  • Instant notifications
  • Use with mobile wallets
  • Cash deposits
  • Direct Debits
  • 100% digital sign up
  • No fees abroad
  • Split the bill with friends
  • Virtual cards
  • World-class security
Joint Account
£0.00/ monthly
  • FSCS protection up to £170k (for joint accounts)
  • 24/7 UK customer support
  • Instant card locking
  • Overdrafts (if eligible)
  • Fully regulated UK bank accounts
  • Scan cheques in-app
  • Instant notifications
  • Use with mobile wallets
  • Cash deposits
  • Direct Debits
  • 100% digital sign up
  • No fees abroad
  • Split the bill with friends
  • Virtual cards
  • World-class security
Kids Account
£0.00/ monthly
  • FSCS protection up to £85k
  • 24/7 UK customer support
  • Instant card locking
  • Fully regulated UK bank accounts
  • Instant notifications
  • Use with mobile wallets
  • 100% digital sign up
  • No fees abroad
  • World-class security
Business Account
£0.00/ monthly
  • FSCS protection up to £85k
  • 24/7 UK customer support
  • Instant card locking
  • Overdrafts (if eligible)
  • Fully regulated UK bank accounts
  • Scan cheques in-app
  • Instant notifications
  • Use with mobile wallets
  • Cash deposits
  • Direct Debits
  • 100% digital sign up
  • No fees abroad
  • Split the bill with friends
  • Virtual cards
  • World-class security
Features
Must Have

Transparent Low Fees

Multi-Currency Account

Borderless Debit Card

Fast Transfer Execution

Other

Business Account Features

Mobile App

Regulatory Compliance

Customer Support