Complete transparency. Here's everything we charge (spoiler: almost nothing).
We believe banking should be free, simple and transparent. That's why our main accounts don't have monthly fees, transaction fees, or foreign transaction fees.
When we do charge, it's clearly disclosed upfront — no hidden costs, no nasty surprises. Here's the complete list.
FREE. No setup fees, no opening balance requirement.
FREE for Personal, Joint, Business, and Teen accounts. Sole Trader: £7/month after 12 free months. Kite: £2/month per child after 3 free months.
FREE. Unlimited Faster Payments for transfers within the UK.
FREE — no foreign transaction fees, anywhere in the world. You get Mastercard's real wholesale exchange rate.
FREE. Unlimited ATM withdrawals in the UK.
FREE in Europe (EEA). £300 free per 30 days elsewhere, then 1% (minimum £5).
£20 per transfer. For large, same-day UK payments (e.g. buying a house).
£5.50 + SWIFT correspondent fees (set by the receiving bank).
15% EAR. Same rate as arranged overdraft — we don't punish you for unexpected shortfalls.
FREE. We don't charge for bounced direct debits or returned payments.
Open your Starling account in minutes.
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