A Starling Bank personal current account, including the debit card, is free to open and has no monthly fees. There are no charges for day-to-day use, including spending or withdrawing cash abroad. Replacement cards are generally free, though a £5 fee may apply for lost/stolen cards.
No monthly fees or UK payment charges. Other banks charge fees for what limited companies get for free with Starling business. Give our comparison table a quick scan to see for yourself.
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.
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Can you withdraw money from an ATM with a Starling card?
You can use your Starling card in a whole load of countries – almost anywhere you see the Mastercard logo, in fact! Unlike a lot of other banks, we don't add fees or charges when you use your card overseas. It's also free to withdraw cash from ATMs outside the UK.
Once your account has been opened, you can order your new contactless Mastercard debit card from within the app and it should arrive in 5-7 working days. If you want to start spending straight away, you can set up your card in your Apple Pay wallet or Google Pay before your physical card arrives in the post.
Personal and joint customers can deposit £1,000 each calendar year free of charge at the Post Office. For all deposits greater than this, we will charge you a fee of 0.7% of the amount over £1,000 that you deposit.
You can spend up to £10,000 each day with your card, across a maximum of 50 payments. You can also make up to 6 cash withdrawals per day, with a daily limit of £300. - We can't increase any of your card limits.
Starling Banking Services is not your typical banking partner. Here's why: Near zero downtime: Transactions happen smoothly, time after time, with almost no downtime. Growing customer base: We have a proven track record of delivering results.
For the best travel card abroad, look for debit or credit cards with 0% foreign transaction fees, like Halifax Clarity or Barclaycard Rewards (Credit), or fee-free debit cards like Starling or Chase for ATM withdrawals, and consider prepaid cards like Post Office Travel Money Card for security and currency loading, but always check for ATM fees, cash withdrawal limits, and local bank charges.
If you have a personal or joint account, you can withdraw up to £300 per day over the counter at the Post Office free of charge. We cannot increase this limit.
You can spend up to £10,000 (or the equivalent in other currencies) per day on your Starling card. The maximum limit is £100 per contactless payment in the UK.
Unlike many traditional banks, Starling does not charge fees for using your debit card abroad, whether for purchases or ATM withdrawals. Transactions are converted using Mastercard's exchange rate without any additional mark-ups.
Yes, you can deposit cash into your Starling account at any Post Office branch. If you have a Personal or Joint Current Account, you can deposit £1,000 per calendar year free of charge. You will then be charged 0.7% for all deposits over the £1,000 limit.
How long does a Starling bank card take to arrive?
Cards should take between 5-7 working days to arrive. If you haven't received it after that period, please get in touch with Customer Service - were available 24/7.
Why can't I transfer money from my Starling account?
This could be for a number of reasons. There may not be enough money in your account or the payee details could be incorrect. In some cases the payment might be pending whilst we review it. If you need further information or the payment is urgent get in touch with our customer service team on 0207 930 4450.
