HMRC vs Starling

Take control of your money and tax with the HMRC app It’s secure, free to download, and easy to use. Get on it, and join millions of people already saving time with the HMRC app. Key Features: - Quick setup: sign in using face recognition, fingerprint scan, or a six-digit PIN - Stay in control: check your tax code and see your pay before it even shows in your bank, so you know you're paying the right amount - Claim a tax refund: find out if you’re due any tax back from us and quickly claim a refund if you’re owed one - Check your State Pension: see how much State Pension you could get, when you can get it and how to increase it, if you can - Self Assessment: a safe and secure way to make Self Assessment payments and get information you'll need to file - Child Benefit support: claim, manage, and update your Child Benefit details - National Insurance: find and save your National Insurance number so you have it when you need it - Go paperless: opt to receive key messages from HMRC online Download the HMRC app today and stay on top of your money and taxes

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.