Our Personal Current Account is free to open, free to use, and packed with smart tools to help you manage your money better.
Our Personal Current Account gives you a full UK bank account with your own sort code and account number. It comes with a contactless Mastercard debit card and a powerful mobile app.
Unlike traditional banks, there are no monthly fees, no transaction fees in the UK, and no foreign transaction fees when you use your card abroad.
You can open one in minutes from your phone — no paperwork, no branch visits, no waiting around.
Unlike premium accounts from traditional banks, you won't pay a penny to hold or use your Starling account. No monthly fees, no transaction charges within the UK, no minimum balance requirement. We believe banking should be free, simple and fair.
Voted Best British Bank 4 years running. Our app is fast, intuitive and does everything you'd expect a bank to do, plus a lot more. From instant notifications to AI-powered spending insights, it's like having a financial advisor in your pocket.
The moment money moves in or out of your account, you'll know. Real-time push notifications for every transaction help you spot fraud instantly and stay in control of your spending.
Spend anywhere in the world with Mastercard's real wholesale exchange rate. No foreign transaction fees, no markups, no surprises. Free ATM withdrawals in Europe, and £300 per 30 days free elsewhere.
Lost your card? Tap once in the app to freeze it. Find it in your coat pocket an hour later? Unfreeze it just as quickly. No more emergency phone calls to cancel and wait 5 days for a replacement.
Your money is protected up to £85,000 by the Financial Services Compensation Scheme. Starling is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.
Open your Starling account in minutes.
Apply now