Is Starling Bank a legitimate company?
Yes, Starling Bank is a legitimate company with a high rating of 4.8 out of 5 based on numerous verified customer reviews. Users frequently praise its modern banking approach and effective customer service.

Starling Bank is an innovative financial institution that offers a range of personal and business banking services designed to enhance money management for its customers. The bank provides user-friendly mobile banking applications that allow users to track their spending, manage bills, and set budgets with ease. Key features include instant notifications for transactions, a Bills Manager to automate payments, and the ability to organize funds in separate "Spaces" for various savings goals. Targeting both individual consumers and businesses, Starling Bank aims to simplify banking processes and improve financial habits. With no foreign transaction fees and competitive exchange rates, the platform is particularly beneficial for customers who travel frequently. By focusing on technology-driven banking solutions, Starling Bank helps users gain better control over their finances and promotes a more transparent banking experience.
Reviewers consistently report positive experiences with Starling Bank. Customers often highlight easy, bank, starling, banking.
A minority mention drawbacks around starling, asked, only, starling asked. Overall sentiment is strongly positive with an average rating of 4.8 stars across 60 reviews.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.8 | 60 | 100% | — | ● Medium |
Monthly average rating from reviews written by people.
Not enough history for a trend yet: 60 reviews in 1 month. The chart appears once reviews span two months.
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Easy, convenient, and ever evolving”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Website & app | Service | Trend | Reviews |
|---|---|---|---|---|---|---|
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 5.0 out of 5 (good) | — | 60 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.0 out of 5 (fair) | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: Starling Bank is #2 of 5 on overall rating in this group.
60 reviews of Starling Bank. Filter by what matters to you.
Over a year ago
Excellent bank and a real breath of fresh air compared to having to visit a branch on the high street. Easy, convenient, and ever evolving. Banking isn’t the chore it used to be.
Over a year ago
I am a big fan of Starling Bank. As a business and personal customer. I'm not a lover of banks generally, but I must say Starling are pretty good.
Quick answers to the questions people ask most.
Yes, Starling Bank is a legitimate company with a high rating of 4.8 out of 5 based on numerous verified customer reviews. Users frequently praise its modern banking approach and effective customer service.
No, Starling Bank is not a scam. Customer feedback consistently highlights the bank's reliability and trustworthiness, with many users reporting positive experiences and effective problem resolution.
Starling Bank provides a range of banking services including personal and business accounts, easy transfers, and multi-currency support. Customers appreciate the app's features like Spaces for budgeting.
Starling Bank allows users to manage funds in both Sterling and Euro accounts, facilitating local and international transactions. Users find the payment process straightforward and efficient.
Starling Bank offers customer support through their app and website, with responsive service reported by users. Many have experienced friendly and helpful assistance during their inquiries.
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Excellent bank and a real breath of fresh air compared to having to visit a branch on the high street. Easy, convenient, and ever evolving. Banking isn’t the chore it used to be.
Great Service
Awesome bank
I am a big fan of Starling Bank. As a business and personal customer. I'm not a lover of banks generally, but I must say Starling are pretty good.
It would be nice to give an opportunity to the customers to apply for a mortgage
An easy to use banking app with great features to keep everything organised.
Been with them a good number years now and never had an issue. The app works great and now they having savings accounts its even better.
Reliable banking service that's not given me any cause for concern The Starling app is top notch, easy to navigate
I use my Starling accounts for both personal and business, both of which include Sterling and Euro accounts. I can move money around the accounts when-ever I need without a hitch. I also make great use of Spaces and Saving spaces. Using it both at home and abroad is both easy and seemless. I have complete confidence in trusting Starling for my business and international dealings.
I used to be a main bank user but switched. I chosen starling as it appeared to innovative and fresh. It is all what I expected and VERY user friendly.
Simple, easy to navigate platform. Simple to transfer funds and pay invoices, both local and international.
Starling have asked me to rate them so here goes… I had a small problem but their "help" people managed to drag it out for days telling me how they wanted to help (their pasted speech sent so many times I lost count, plus filling the chat so much it was hard to follow) only to get back to what I'd said all along. So I reduced my usage and balance. Then a asked where the exit was on the app. Again huge standard messages, often only that before a new person took over and they gave me the same speech, so again days with no solution. They said: "it's not needed", I echoed what security experts constantly say: "always close apps fully". They still maintain that it isn't needed. Now I do still have some money with them and I still use them but I genuinely no longer feel safe. How did they ever get such a high rating when their app doesn't even have an exit? If that, then what else…?
Straight forward, no messing about banking. Very responsive to queries.
The all important app works well on both laptop and iphone and on the only occasion I have needed telephone assistance the Starling staff were friendly and solved the problem immediately.
Really easy to use the app and website, everything is logical and straight forward, exceeded my expectations. Love the Spaces part of the app, where you can put monies into separate pots for future bills or holidays or similar, plus the round up feature. The savings account linked direct is so useful, takes seconds to move monies back to current account when needed and still earns interest in the savings account when there.
Opening both personal and business accounts is very easy. The mobile app is clean and easy to navigate. Banking services are fully covered
Robust, reliable, easy to use banking. Everything you’d expect from a banking platform.
I have no regrets about switching to Starling! I had been with my previous bank for over 25 years but wanted to move somewhere more ethical. The switch was so easy I wish I hadn't put it off for so long! The spaces within your account are great for different saving pots. My two children also have spaces and their own Starling Kite cards, with no fees, so I could cancel their Go Henry cards. Only downside of the kid's side is that they can't add the Kite card to a phone 'wallet' they can only use the physical card. Another downside of the switch for me was that they wouldn't give me a small overdraft. No idea why! I only wanted a few hundred pounds for days when payments are going out, in case I miss a notification. My old bank always had this which gave me a chance to transfer money across etc to cover outgoing payments. As a result I missed one of my credit card payments one month due to insufficient funds, due to a missed Starling notification - which I was pretty annoyed about. A small overdraft would have sorted it and given me time to spot it and transfer some money from one of my starling 'spaces'. If I had the overdraft I would have given 5 stars!
Easy reliable banking
Always fabulous service if I need to telephone. The app is superb, it never goes down, and so much security control via the app. They ask me by telephone to confirm any transaction. I can even, turn the card of in the app, which gives me comfort that I won't be hacked. All in all Starling is the best bank I have encountered in my quite long life. Bravo.
Starling Bank is an innovative financial institution that offers a range of personal and business banking services designed to enhance money management for its customers. The bank provides user-friendly mobile banking applications that allow users to track their spending, manage bills, and set budgets with ease. Key features include instant notifications for transactions, a Bills Manager to automate payments, and the ability to organize funds in separate "Spaces" for various savings goals. Targeting both individual consumers and businesses, Starling Bank aims to simplify banking processes and improve financial habits. With no foreign transaction fees and competitive exchange rates, the platform is particularly beneficial for customers who travel frequently. By focusing on technology-driven banking solutions, Starling Bank helps users gain better control over their finances and promotes a more transparent banking experience.
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