# Starling - Mobile Banking — Good with money. > Digital bank for personal, business, and joint accounts with advanced budgeting and fee-free international use. (iPhone/iPad app by STARLING BANK LIMITED.) - Source: https://appshunter.io/ios/app/starling-mobile-banking/id956806430 (this page in markdown: same URL + `.md`) - Developer: [STARLING BANK LIMITED](https://appshunter.io/developer/956806429) - Category: Finance, Lifestyle - Price: Free - Rating: 4.90/5 from 2,739 App Store ratings · 1,377 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 560 MB - Languages: American English - Released: 2019-02-21 - Data updated: 2026-08-29 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/starling-mobile-banking/id956806430/reviews.md ## What is Starling? Our personal, business and joint accounts make managing your money as seamless, simple and satisfying as it should be in 2026. It's why we're the Which? Recommended Provider for a seventh year in a row. Apply for a bank account online in minutes - for free - from your phone, and join the millions who have already discovered the better way to bank. What's in it for you? No overseas fees • We won't charge you a penny for using your card abroad, or for withdrawing cash at an ATM. • We'll give you the Mastercard exchange rate, and won't add anything on top. • Get notifications in the local currency, and in GBP. Better budgeting • Use Spaces to set money aside in a virtual change jar. Personalise with pictures, set a target, and track your progress. • Get instant payment notifications and track your balance in real-time • Learn where your money goes, and how to make savings, with Spending Insights • Use Bills Manager to set aside money for your bills. It means your main balance will only show you what's actually available for day-to-day spending. • Save on autopilot - automatically round up payments to the nearest pound and put away the spare change. Pay and get paid seamlessly • Owed money? Send a simple link to get paid back. • Enjoy easy international transfers to 34 countries from your app – no hidden fees or exchange rate markups • Pay people instantly in-app – no fiddly card reader needed • Deposit cheques digitally from your phone and pay in cash at the Post Office. Keep your money safe • Your money is covered up to £120,000 by the Financial Services Compensation Scheme • With 24/7 in-app support from real humans in the UK, we're always here to help • Lock your card in-app and turn settings on and off, such as contactless, online, gambling and swipe payments Business banking No monthly fees. Get mobile and web banking access, 24/7 support and simplified accounting. Deposit cash at the Post Office from as little as £3, and deposit cheques in-app by taking a photo. Automate your expenses, ring-fence money for bills, keep track of invoices with instant payment notifications and spot where your business is spending with smart analytics. Voted Most Innovative Business Bank at RFI UK Banking & Finance Awards 2026. The joint bank account Manage collective household expenses or set aside money together; our joint account simplifies shared spending. Get instant payment notifications, track your spending with Insights, budget together and make important payments from one account. Banking for the whole family, all in one app Under 16s is our free debit card and app for 6-15 year olds. It's built seamlessly into the adult's Starling account (personal or joint) for better visibility and control. Starling Bank Limited (trading as Starling) is registered in England and Wales (No. 09092149), 5th Floor London Fruit And Wool Exchange, 1 Duval Square, London, United Kingdom, E1 6PW. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. ## Key features - Fee-free overseas spending and ATM withdrawals - Virtual 'Spaces' for saving and budgeting - Real-time payment notifications and spending insights - Automated bill management - Seamless international money transfers - Digital cheque deposits - 24/7 in-app human support ## What do users think of Starling? Overall sentiment: positive **Pros** - 👍 Easy to use app - 🚀 Instant transactions - 🔒 Secure banking - 💡 Useful features like Spaces - 👍 Excellent customer service - 🚀 Fast and reliable - 👍 Intuitive and well-designed - 👍 Great for budgeting and saving **Cons** - 🐛 App crashes and freezes - 🔒 Overly strict security measures - 💰 Fees for cash deposits - 🚫 Inability to open certain account types - 🚫 Declined payments with no explanation - 🚫 Restricted access to accounts - 🐛 Inconsistent app performance **Commonly reported bugs** - Login issues after phone updates - Inability to record video for verification - App crashes on certain devices - Delayed or failed money transfers **Most requested features** - Joint account cards with different designs - Ability to set up automatic transfers to savings - More customization options for Spaces - Integration with password managers - Showing pending payments in balance - Daily balance history view - Ability to split transactions into categories ## Recent user reviews (10 of 1,377) All indexed reviews: https://appshunter.io/ios/app/starling-mobile-banking/id956806430/reviews.md ### 5/5 — Online Banking *2026-08-20, version 4.63.0* Not that I have tried all, but this really is online banking at its best. So simple to use it’s not true. Even without a high Street presence on the rare occasion you need to bank a cheque, simply photograph it, upload and wait 24 to 36 hours and it’s in your account My only qualm is being a man of a certain age, I once needed to report a card lost and it required my password to do so, which seemed quite absurd, maybe something that can be altered ### 5/5 — Best online ban *2026-08-20, version 4.63.0* Fantastic, person friendly, easily accessible and amazing customer service.. highly recommend ### 5/5 — Great *2026-08-20, version 4.63.0* Great ### 1/5 — 20 questions *2026-08-19, version 4.63.0* The sort of people who make it mandatory to answer all these questions when you are trying to pay your builder are a detriment to society ### 5/5 — Brilliant app *2026-08-19, version 4.62.0* Amazing banks service. Pleased with with using this bank and the app ### 5/5 — Excellent App & Service *2026-08-19, version 4.62.0* A brilliant UK banking provider with a simple powerful App. ### 5/5 — Top bank *2026-08-19, version 4.62.0* Brilliant bank ### 5/5 — Transferring money *2026-08-19, version 4.62.0* Simple, quick and easy ### 1/5 — Bad *2026-08-18, version 4.62.0* This is for holding my money for 24 hours ### 5/5 — Extremely User Friendly *2026-08-18, version 4.62.0* I found the Starling bank really accessible and easy to use. Communication with the bank is great and I’ve had no problems over the last three years. ## Frequently asked questions about Starling ### What does this banking app do? This app provides a comprehensive mobile banking experience for personal, business, and joint accounts. It allows users to manage their money seamlessly, offering features like fee-free overseas transactions, advanced budgeting tools, and secure payment functionalities. It aims to simplify and enhance everyday banking. ### What are the key features of this banking app? Key features include no overseas fees for card usage or ATM withdrawals, virtual 'Spaces' for saving and budgeting, real-time payment notifications, spending insights to track expenses, and a Bills Manager to set aside money for bills. It also facilitates easy international transfers and digital cheque deposits. ### Is this banking app free to use? Yes, applying for a bank account is free. The app itself is free to download and use for managing your personal, business, or joint accounts. There are no monthly fees for business accounts, and no hidden fees or exchange rate markups on international transfers. ### What kind of accounts can I open with this app? You can open personal accounts, business accounts, and joint accounts. Additionally, there is a free debit card and app called Kite designed for children aged 6-15, which integrates with adult Starling accounts for better visibility and control. ### How is my money protected with this app? Your money is covered up to £120,000 by the Financial Services Compensation Scheme. The app also offers robust security features, including the ability to lock your card in-app and control payment settings like contactless, online, gambling, and swipe payments. You also have access to 24/7 in-app support from real humans. ## Version history (last 5 releases) ### 4.64.0 — 2026-08-25 A virtual card lets you spend directly from a Space instead of your main balance. Paying for petrol? Do it from your ‘Car’ Space. Travelling abroad? Make payments from your ‘Holiday’ Space. You can have up to 5 virtual cards at a time on your account. To get started, tap ‘Manage Space’ and then tap ‘Create a virtual card’. ### 4.63.0 — 2026-08-19 You can set up an automatic transfer from your main balance into a Space. You can choose to transfer the same amount each time, or just enough money to top your Space up to a chosen total. Select ‘Manage Space’ and then ‘Automatic transfer’ to set things up. ### 4.62.0 — 2026-08-13 Did you know we have an Easy Saver? You earn interest on any money you save in it, and you can move money in and out of it whenever you need to. There’s also no minimum deposit. To apply for an Easy Saver, head to the ‘Spaces’ section of the app. ### 4.61.0 — 2026-08-05 An Under 16s payment link makes it safer and easier for others to send money to your child’s Space. You can switch the link on or off in the Starling app, which means you’re in control of when people can send money. Both you and your child will get a notification when money is added to the Under 16s Space. ### 4.60.1 — 2026-07-31 Struggle to use the Starling app because of accessibility needs? There’s a place in the app where you can learn how to make the app and your device more accessible. You can customise the app, learn about your device’s accessibility settings, and get support from us. To find it, go to ‘Settings’ and tap ‘Customisation and accessibility support’. ## Apps similar to Starling | App | Rating | Price | Category | | --- | --- | --- | --- | | [Monzo Bank - Mobile Banking](https://appshunter.io/ios/app/monzo-bank-mobile-banking/id1052238659) | 4.7 (5,643) | Free | Finance | | [U.S. Bank Mobile Banking](https://appshunter.io/ios/app/us-bank-mobile-banking/id458734623) | 4.8 (2,106,744) | Free | Finance | | [Metro Bank Mobile Banking](https://appshunter.io/ios/app/metro-bank-mobile-banking/id1175525592) | 4.8 (1,280) | Free | Finance | | [GO2bank: Mobile banking](https://appshunter.io/ios/app/go2bank-mobile-banking/id1534345772) | 4.8 (62,775) | Free | Finance | | [PNC Mobile Banking](https://appshunter.io/ios/app/pnc-mobile-banking/id303113127) | 4.8 (2,014,843) | Free | Finance | | [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,558,421) | Free | Finance | ## Related topics [starling](https://appshunter.io/ios/topics/starling) · [starling bank](https://appshunter.io/ios/topics/starling-bank) · [seven starling](https://appshunter.io/ios/topics/seven-starling) · [starling minds](https://appshunter.io/ios/topics/starling-minds) · [stat king](https://appshunter.io/ios/topics/stat-king) · [halifax bank](https://appshunter.io/ios/topics/halifax-bank) · [monzo uk](https://appshunter.io/ios/topics/monzo-uk) · [sterling bank](https://appshunter.io/ios/topics/sterling-bank) · [lloyds mobile banking](https://appshunter.io/ios/topics/lloyds-mobile-banking) · [buisness bank](https://appshunter.io/ios/topics/buisness-bank) · [monzo bank](https://appshunter.io/ios/topics/monzo-bank) · [Millennium Tower](https://appshunter.io/ios/topics/millennium-tower) · [monzo bank uk](https://appshunter.io/ios/topics/monzo-bank-uk) · [natwest premier black](https://appshunter.io/ios/topics/natwest-premier-black) · [monzo](https://appshunter.io/ios/topics/monzo) · [free checking account](https://appshunter.io/ios/topics/free-checking-account) · [joint account](https://appshunter.io/ios/topics/joint-account) · [revolut card](https://appshunter.io/ios/topics/revolut-card) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*