TrustPilot itself gave Starling a 4.4/5 TrustScore rating, which reflects its authenticity, reliability, and customer satisfaction. Starling Bank is also useful if you are looking to create specific savings goals. I must admit I have seen various poor reviews regarding live chat replies so this is no outliner. Press the icon and you’ll be taken to this screen. It should be noted that currently, only cheques up to £500 can be done via your phone. Starling has fewer customers than other challenger banks, but it has more of their money. Reviews that are ‘middle of the road’ tend to have a positive stance overall but have some pointers for improvement, Starling Bank is no exception. Separating itself from competitors like Monzo that charge after your first withdrawal. Anything after that and you will need to post the cheque to Starling. Easy, transparent and fast were common remarks made about Starling Bank. Once again, high street banks are known to add 2-3% on top of the wholesale rate that they get, so it’s notable that Starling does not do this. According to Comparebanks, 16% of applicants were denied a BBL with Starling. Check out what 13,342 people have written so far, and share your own experience. Even if you get the 15% it’s better to look at alternatives. This is a valid point regarding being able to have multiple accounts and would be useful for many people (including me). This often results in same-day or next-day transfers at industry-leading rates. Since Starling bank is completely online, the majority of actions you want to make can be done at the touch of a button. There are 4 customers that starling bank, rating them as good. We should also note that although the likes of Revolut and Monzo also allow you to withdraw cash abroad for free, however the providers limit you to around £200-£600 per month (depending on your account type) before a fee is added. When you complete the sign-up process (explained later) you’ll receive your card through the post. Challenger banks have done a good job of adding further personalisation options. Like the sound of Starling Bank and want to get an account open today? As noted earlier, this means that your money would be protected up to the first £85,000. On the contrary, Starling Bank charges you nothing at all. Having said that, we can’t be too harsh as Starling needs to make back the money it loses with lenient fees etc. Press Esc to cancel. 12 Cons. If you still find yourself paying in physical cash, Starling has partnered with the Post Office. Affiliated companies with banks aren’t always the best, they merely feature on the app due to partnerships. If you're that concerned In regards to the last comment, it’s an interesting point and would defiantly be a helpful feature for individuals who have a business account. Check out what 16,760 people have written so far, and share your own experience. For example, if you pay for a £2.80 cup of coffee in Starbucks, a breakdown of the transaction will pop-up on your mobile in seconds. Concerning the 3-year requirement, I could not find any information to support this claim. This is a prime example of what the ‘new school’ banks aim to bring to the market. You will now need to open an account. It’s clear that Starling Bank can make some improvements, but then again what business is perfect? The award-winning mobile bank account allows you to open a UK current account in minutes, and then send and receive funds at the click of a button. Kane holds a Bachelor's Degree in Accounting and Finance, a Master's Degree in Financial Investigation and he is currently engaged in a Doctorate - researching financial crime in the virtual economy. Alternatively, you also have the option of setting up biometric identification. It only takes a matter of minutes to create an account. With a keen passion for research, he currently writes for a variety of publications within the Financial and Cryptocurrency industries. The opinions expressed on this Site do not constitute investment advice and independent financial advice should be sought where appropriate. This customer touches on a few features I mentioned earlier on in the review. Check out what 16,497 people have written so far, and share your own experience. | Read 61-80 Reviews out of 13,342 After all, Starling does not have any physical banking branches, as everything is facilitated via your mobile app. Starling is perhaps the best of all, having no additional transactional fees for overseas allowing you to spend freely. Once you hand over the cash, the Post Office will take care of the rest. This lastly ties in some of the prior issues mentioned by some users. As we noted above, all Starling Bank customers will be offered a unique current account. If you enjoyed this Starling Bank review, consider checking out my reviews on other banks/software such as: As always be sure to leave a comment if you enjoyed this Starling bank review or equally if you think I left any important details out. We cover the exchange rates and applicable fees a bit later on. Although this is cheap, Starling notes that transfer times take longer than SWIFT. To access your spending reports, simply click ‘spending’. Starling Bank Reviews - Should you bank with Starling Bank? Founded by Anne Boden, Starling is a front runner amongst the app-only banks when it comes I had to wait a couple of days to have my application approved, this may vary from user to user. Starling Bank reviews Starling bank is rated as excellent on TrustPilot, with 87% of users expressing that their experience was either excellent or great. You will then need to fill out a quick form which outlines the Starling account number. As with all of my reviews, I like to include other users experiences as well as my personal opinions to arrive at a more well-rounded conclusion. Nevertheless, if you simply can’t get a hold of a company then this is unacceptable. The overarching concept is that there is no longer a need to visit a physical branch to facilitate your everyday banking needs. | Read 21-40 Reviews out of 17,574 We hope to provide clear, unbiased facts so people can make up their own mind about important financial decisions. Nevertheless, we’ll take a look at a few in more detail because it doesn’t always paint an accurate picture. This also means that you can get your employer to pay your salary into your Starling Bank account. Much like other challenging banks, Starling allows you to block your debit card instantly within the app. Users can toggle over-drafting on and off on solo accounts. Nevertheless, even at the rate of 0.05%, this is a tiny amount of interest to be earning on your money. We cover the ins and outs of how the app works, what banking services it allows you to facilitate, and crucially – whether or not your money is safe. This means that banks aren’t always pointing their users to the best features in each respected field. Besides fulfilling the standard properties of a bank, Starling’s app has many money management features to take advantage of. This means that were the bank to go under, your money would be protected up to the first £85,000. (Disclaimer: Sufficient time and effort goes into creating these posts but I should make it clear that I’m not a financial advisor). This is because you can use your Starling Bank debit card to withdraw cash from ATMs abroad without paying any fees. If so, below you will find a simple step-by-step guide on what you need to do. Perhaps the most interest portion of this Starling bank review is the features the app provides. I’ll certainly be keeping my Starling Bank account, although I’ll most likely use it as a holiday savings account to take advantage of their overseas perks. When it comes to sending money, Starling Bank allows you to do this with ease via the mobile app. Starling Bank allows you to earn interest on the funds stored within your account. The likes of Revolut pay no interest at all, so at least you get something. Upon filling out the form, you simply need to provide your unique Starling Bank account details. Unlike a traditional high street bank, there is no requirement to fill out countless forms. Starling Bank is fully regulated by the FCA, meaning it has the same security levels as many other banks. With that being said, challenger banking app competitor Monzo is arguably better in the international payments department, as it has partnered with TransferWise. Very very poor new customer experience. In the 2 months I have Banked with Starling I have been very impressed with the service, the system and when I have spoken to them in person the people on the telephone. Starling Bank Business Account Reviews Ratings based on 2407 reviews Last review 4 months ago Starling Bank launched its business accounts to the market in 2018. Starling Bank is one of a growing group of “challenger banks” looking to simplify how we manage our finances, using modern technology to bring banking into the present. This begs the question, is it really the best bank in the Uk? The bounce-back loan (BBL) is provided to help put businesses back on their feet. Your overdraft can be fully accessed and monitored through the app once approved. Binance Review: The Top Cryptocurrency Exchange? With that said, the easiest way to get money into your current account is via a simple bank transfer. For example, Starling Bank, Revolut, and Monzo – the three main players in the UK space, all offer unique current accounts, debit cards, real-time notifications, transaction categorization, and industry-leading foreign exchange rates. Crucially, if you find that you are spending too much cash on a specific category, this would allow you to act accordingly. No doubt Starling will tackle these issues head-on and I’ll look to forward to updating this post when they do so. It’s certainly clear that many traditional banks have fallen behind, in this case, the process and time it takes to cash in cheques. They have some of the fairest costs in the whole of the banking industry, contrary to popular opinion. In fact, you can do this electronically. Starling Bank also allows you to send money abroad with ease. Starling Bank Bounce Back Loan complaints along with success stories are listed below. Simply select who else needs to put there share into the bill and from then on you can monitor their payments through the app. It would seem as though some of the ‘new school’ banks have fallen behind the more established banks such as Lloyds and Santander. As with all banks, you need to provide some proof of identity, Starling accept any of these forms of ID: You’ll then need to fill out some information regarding your income. I must admit, the majority of the bad reviews concern this issue. Starling allows you to integrate your card with a marketplace feature that includes financial products. Go into the bank, queue up behind 12 other people, all of whom look like they have already been standing there for the better part of a decade and patiently wait your turn. Moneysavingexpert has just recently produced an article delving into this issue and note in the post that they will be filling some complaints to the FCA. Let’s first take a look at what the public think Starling Bank do well. Starling Bank has been voted Best British Bank in the British Bank Awards in 2018, 2019, 2020. You’ll be notified when the payment is settled up. Having said that, I would not be surprised if Starling does not change this because I would consider this more of a preference than a fault. When it comes to the exchange rate, you will get the same MasterCard FX rate that Starling gets. If opting for a local payment partner, prices start from just 30p per transfer. The challenger banking space is hotting up in the UK – with a number of new-age institutions now allowing you to access everyday banking services via your mobile phone. All Starling Bank cards have contactless functionality and can be paired with Apple pay eliminating the need for the psychical card. Head over to the AppStore and search for ‘Starling Bank’. MusicJason Nolan - Mister MyriadOEDSZA - Sun Models Let’s take a look at each one in more detail. This makes it extremely expensive to access cash when you’re on holiday. No to mention, your spending habits for prior months. On the contrary, Starling Bank permits overseas transfers at the click of a button. As long as the cash is coming from a UK bank account, the funds should be credited instantly. In most cases, your card will be with you within a week. Banks can always better themselves and I very much agree that this is a vital feature Starling will need in their favour. Save my name, email, and website in this browser for the next time I comment. If you ever lose or misplace your card, you can simply freeze it via the app. | Read 81-100 Reviews out of 16,497 If an issue does arise, you can then contact the bank 24/7 by phone, email or chat via your mobile app. The card is issued by MasterCard, so it operates much the same as any other debit card in the market. From then on you can set up direct debits and standing orders via the app. Although companies try they aren’t able to fix everyone’s problems, therefore, a disparity between opinions on customer service is inevitable. 98 Starling Bank reviews. This means you’ll know in advance when money is coming out so you can manage your finances accordingly. As is a minimum expectation in 2020, Starling Bank transfers go through the Faster Payments Network, meaning the payment should be near-instant. All you need to do is visit your nearest Post Office, and let the cashier know that you want to add funds to a Starling Bank account. It’s a simple feature but a useful one that even traditional bank haven’t adopted. To get the ball rolling, you will need to download and install the Starling Bank mobile app – Click here to apply for your account in minutes. Similarly, Starling Bank allows you to put a block on outgoing transactions from within the app. Similarly, if somebody used your debit card without your consent, you would again be made aware of this the moment the transaction is processed. While one challenger bank may use cookies to lure you into their fancy branches, Starling has successfully looked at what retail and small business customers really wanted from their day to day banking, started with a blank sheet of … Starling Bank Review Read More » As great as all of the aforementioned features and benefits are, what we really like about Starling Bank is its fee structure. The sheer number of awards alone justifies this comprehensive Starling bank review. Your money is NOT safe if you bank with Starling Bank and they do not take fraud seriously enough to protect you, the customer. In theory, not owning any physical branches reduces Starling Banks overheads so they can fund new innovative features for users (more on this later). Accept the conditions and from then on you can browse through what it has to offer. MoneySavingExpert featured Starling as one of the best banks to travel abroad with. Besides innovation, Starling bank has managed to secure some interesting collaborations over the years, namely the Post Office. These customers were met with a wave of rejections with poor or unclear explanations. Just like any traditional bank, you can set up a joint, business or personal account with Starling. Launched in 2014, Starling Bank is a challenger banking app that aims to revolutionize the UK current account space. At the forefront of this is the provider’s instant notification feature. It has all the proper licences in place so that it is legitimately a real, regulated bank – just managed remotely. This isn’t something offered by traditional high street banks, meaning you need to cancel the card as soon as you lose it – even it turns up later in the day! Sure enough, they have paved the way for some interesting and innovative competitors. For example, this includes a monthly salary, investment income, or rental income. Furthermore, the bank is protected by the FSCS, which Revolut isn’t. Your opinion matters. I can understand where this user is coming from as I made a similar remark on another bank review. Starling Bank overdraft There isn’t a fee-free overdraft buffer any more, but the rates are potentially lower than most other UK banks. This will send a notification to your phone every time you use your debit card. Much like a traditional current account, you will also be given a debit card. Starling Bank does not place any limits at all and you get to withdraw to up to £300 per day which is great. Before we start, here’s a quick look at the table of contents for this Starling Bank Review: Without any further ado let’s get into this Starling Bank review. (adsbygoogle = window.adsbygoogle || []).push({}); The thought process behind this is why stick to the traditional and psychical banking style when you can essentially have a bank in your pocket? When it comes to sending money overseas from your Starling app, you can choose from a local payment partner or SWIFT. This is because the provider is partnered with the UK’s FSCS. Considering they were one of the first companies to venture into the world of solely being a mobile bank, they have done an excellent job. Pros Treated like adults. This includes the basics – such as your full name, home address, nationality, date of birth, and contact details. As a result, all processes are simpler or at least more accessible, particularly when it comes to setting up an account. As you can imagine this is an extremely easy and practical way of cashing in cheques. Secondly, it takes around two working days for the funds to clear, and Starling recommends keeping hold of the cheque until you receive a confirmation via the app. As the UK's big challenger banks – Monzo, Revolut, Starling and N26 – … You can also use your Starling Bank debit card to withdraw cash from an ATM – both in the UK and abroad. Interestingly, Starling notes that SWIFT – which averages 1-3 working days,  is the fastest option, so it remains to be seen how long a transfer takes when opting for a local partner. (All Starling Bank reviews are courtesy of Trustpilot). Much like a domestic transfer, you’ll first need to enter the payment details of the person you are sending the funds to. starling bank has collected 6 reviews with an average score of 3.67. After choosing whether or not you would like to allow push notifications (recommended), you can choose how you would like to unlock starling. Considering most banks charge upwards of 6%, this is a great deal. You’ll also need to confirm your mobile number via a text message. Moreover, you can withdraw cash from UK ATMs for free. Notify me of follow-up comments by email. Thanks for taking time to leave a review. Using Starling Bank for one month - This is the review and my opinion on the product. From here you’ll have a brief introduction to Starling bank and how they operate. For example, even to this day a number of well-known institutions require you to visit a physical branch to initiate an international transfer – and you’ll need to sign a bunch of forms too. If you go over this target, Starling will then let you know what you need to do to get back on track. Instead, everything can be completed at the click of a button. The way it works will depend on whether or not the person that owes you money has an account with Starling. (Note: There are little to no bad reviews regarding normal account registry). One of the very few annoyance I have with Starling Bank is the fact you can’t order 2 cards – which I think is an essential for any travel card, so you can keep one safe incase of loss/theft. Here’s a quick overview of over 12,000 reviews. All our articles are fact-checked by a relevant professional with expertise in that area of finance and we regularly update guides as necessary. You can find information regarding your standing order, direct debits and subscriptions all in one very useful place. The app also shows transactions in real-time to monitor spending and breaks down monthly spending habits to help create good financial habits. In this case, it seems to be the support system, particularly for users who have business accounts being the main criticism. Only one minor glitch, it seems not to be possible to pay HMRC with a Starling debit card! Depending on your credit report you’ll be offered either 15%, 25% or 35%. This gives users more control over there money, particularly when it comes to savings. Be aware I have literally 1000’s of articles to load about BBL’s. This is useful for a number of reasons. Instead, everything can be completed at the click of a button. For example, the app allows you to specify the purpose of the goal (such as an upcoming holiday), when the event is happening, and how much you need to put to one side. In fact, you can make up to 6 withdrawals per day with your Starling debit card, as long as you do not surpass your daily limit of £300. kane@moneycheck.com. Ordinarily, high street banks typically charge a variable fee, flat fee, or a combination of the two. However, it is important to remember that Starling Bank is the only challenger bank that pays interest on current account balances. Naturally, this means that people can pay money into your account – including your employer. Enhance the integrity of the UK financial system, To promote healthy competition to improve services for the public, Communication has been poor for some users, Better options than listed companies on the marketplace. So please check back daily for even more of them going live. For example, let’s say that you wish to set up a direct debit with your local gym. Starling Bank was “highly commended” in Finder’s Banking Customer Satisfaction Awards. From here you can progress through a few slides of personal information such as your title and first name. Once it does, follow the instructions enclosed within the letter to activate your card. It has 4.5 out of 5.0 stars based on more than 14,500 reviews and is rated as 'Excellent'. Looks like a good concept however it is actually useless. Starling Bank’s security is top-notch, using a combination of biometric identification measures, fraud prevention tools, a human support team and more to keep your money safe. If you do find it, you simply need to unlock it from within the app. Nevertheless, this isn’t the case with Starling, so you will get your own current account number and sort code. With that said, it’s important to assess whether or not a mobile-only bank account is going to be sufficient for your needs, so be sure to read our Starling Bank review prior to taking the plunge. As a result, the company is not going to be perfect. That doesn’t mean to say positions won’t change in the future, because it’s inevitable in such a competitive market. Having reviewed the majority of these challenger banks, I believe Starling Bank is the best currently, in my humble opinion. Once you’ve inserted the fundamentals, the app will give you ongoing reports on whether or not you are on track. First and foremost, it will cost you nothing to open an account, nor will you be charged a monthly fee of any sort. Check out what 17,574 people have written so far, and share your own experience. This style of banking would help pave the way for new companies to take advantage of the changing market. Much like any other UK-to-UK transfer, you will first need to set up the payee. Having won the best bank award 3 years in a row, as well as the best current account award. Click here to apply for your account in minutes. Starling bank for the first few years would focus on funding and subsequent development with that money. For those unaware, SWIFT transfers typically take 1-3 working days before they reach their destination. You will also benefit from a number of in-app security controls, which includes: Every time you attempt to log in to your Starling Bank app, you will be required to enter your pin. As soon as you open your Starling Bank account, the provider will post a debit card to your registered address. Now you have some background information on starling Bank, let’s take a look at how it all works. With Starling, you can split payments with any contacts on your card. If the user doesn’t have an account with Starling, then a link will be sent to their mobile phone via a text message. You’ll be glad to hear opening an account with Starling Bank is 100% free. Do you agree with Starling Bank’s star rating? This can either be through your fingerprint or facial recognition. Interest rates will range from 15%, 25% and 35% from arranged overdrafts. This is ideal if you misplace your card, as it will give you ample time to search for it before reporting it as lost or stolen. For example, the app might determine that you need to keep your spending down to £15 per day. Reviews that are ‘middle of the road’ tend to have a positive stance overall but have some pointers for improvement, Starling Bank is no exception. Here’s an interesting comparison between Starling and it’s number 1 competitor Monzo. 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