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Starling Bank Account. No fees worldwide and can withdraw £300 a DAY in foreign currency!
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Starling Bank Account. No fees worldwide and can withdraw £300 a DAY in foreign currency!

416
Refreshed 12th Jun 2018 (Posted 28th May 2018)
This has to be one of the best bank accounts for spending abroad and withdrawing cash. Upto £300 a day or equivalent in foreign currency. Monzo, revolut, trasnferwize will only give you £200 a month then charge fees of upto 3%. Yes you'll get the mastercard rate slightly lower than the interbank. Works with apple pay and andriod pay

You'll only be hard credit checked if you apply for an overdraft! This is important. As if you get rejected it won't affect your credit score! Make sure you don't apply for an overdraft

App-based Starling Bank has a current account that charges no non-sterling transaction or cash withdrawal fees when you use its debit card worldwide. Unlike other banks, it doesn't require you to pay in a minimum amount or have direct debits set up.

Starling Bank is a new challenger bank, which opened applications to its current account in May 2017. It's regulated by the Financial Conduct Authority and has the full £85,000 UK savings safety guarantee. For now it has no overseas fees, though it's possible this'll change in future. Initial feedback has been positive – please let us know your experiences with it.

Need-to-knows
  • You can download Starling Bank's app for iOS or Android.
  • The exchange rate you'll get is set by Mastercard, which tends to be slightly higher than Visa's.
  • You can make up to three cash withdrawals a day, totalling a max £300.
  • Money in your account will earn 0.5% AER interest on up to £2,000 and 0.25% AER interest up to £85,000.
  • You can apply for an overdraft if you want one – you won't automatically be given one.

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My thread on this got 500+ degrees and accusations I worked for Starling as I was so happy with them
Best bank out there for abroad - and I support them in the UK (otherwise they'll scrap the foreign transaction part if everybody just uses them for that).
Live transactions in the UK is fantastic. My phone tells me I have paid before the card terminal in a shop says so.
Edited by: "Firefly1" 28th May 2018
Currently using this in Majorca and it’s fantistico..... Get the best exchange rates through mastercard.

instantly get alerted through the app when making paurchases and withdrawing cash with the rates and what’s being spent.

Really don’t need to exchange cash before going on holiday with this card.
I use Starling as my main bank account, much better than normal banks in every way
Mike_HUKD28/05/2018 22:54

Yes. The group was hit hard by the financial crisis, due to being the …Yes. The group was hit hard by the financial crisis, due to being the biggest mortgage lender in the UK. Of course it was the investment bankers who caused the crash, and the home owners that ultimately couldn't fulfil their debt obligations, but easy to blame the high street bank I guess... Incidentally the group finished buying out the entire government share last year. The tax payers made a substantial profit from the bail out. But I guess thats also easy to forget... A little knowledge can be a dangerous thing...


No you've got it wrong. It was the mortgage advisers at the banks giving out fraudulent mortgages to people they knew could not afford them so that they could get their massive bonuses. This all came to ahead and the banks couldn't cover their FRAUDULENT debt, leading to them becoming bankrupt. WE the taxpayers got saddled with their DEBTS and they used OUR tax money to bail themselves out. Private PROFITS and public DEBT. Nice little con they did on us with the help of our corrupt politicians.

In Iceland the government did the opposite. The government bailed out the PEOPLE and put the criminal bankers in JAIL. Their economy recovered quickly. WE are still limping.

Watch the movie called "the big short", it explains it very well. It's based on real life events.
Edited by: "zaheer2003" 28th May 2018
416 Comments
Thanks for posting. Is there a list of countries available without having to download the app?
Currently using this in Majorca and it’s fantistico..... Get the best exchange rates through mastercard.

instantly get alerted through the app when making paurchases and withdrawing cash with the rates and what’s being spent.

Really don’t need to exchange cash before going on holiday with this card.
My thread on this got 500+ degrees and accusations I worked for Starling as I was so happy with them
Best bank out there for abroad - and I support them in the UK (otherwise they'll scrap the foreign transaction part if everybody just uses them for that).
Live transactions in the UK is fantastic. My phone tells me I have paid before the card terminal in a shop says so.
Edited by: "Firefly1" 28th May 2018
Can you order a second card for your partner (wife)?
Crispy_Ambulance28/05/2018 11:01

Can you order a second card for your partner (wife)?


Really not sure on if you can have a joint account. Download the app and chat to them on the live chat
So you basically just top it up first and use it wherever they accept cards?
5Rivers792 m ago

So you basically just top it up first and use it wherever they accept …So you basically just top it up first and use it wherever they accept cards?


It's just a bank account.

Worth using as your day to day account - best bank out there.
Took this out a few weeks ago, beats Revolut card
I use Starling as my main bank account, much better than normal banks in every way
Crispy_Ambulance28/05/2018 11:01

Can you order a second card for your partner (wife)?


They are working on getting a joint account function out in the next few months. You can probably just ask for a second card on the live chat until then, the staff are always really helpful.
Crispy_Ambulance28th May 2018

Can you order a second card for your partner (wife)?


No, you can't. It's not a travel card, it's a full (mobile only) bank account. However, they do not offer joint accounts
Just applied, need to send a video statement and pic of passport or driving license. Not sure I need it now but they may start charging for it in future as with all popular things.
I am one of thier happy customer. Soon they are introducing post office banking. Once that roles out, I may use this as my main bank.
Revolut used to be my fav until I used this. Perfect for holidays

I just hope they don't start reducing the ATM withdrawal to a small amount the bigger they get like Revolut
I have one, but not as my main account. I mainly use it because I don't have Apple Pay set up on my main card. But I also use it when paying for goods from websites that I don't fully trust, e.g. buying goods from Aliexpress.

Perfect for my needs, and going abroad soon so hopefully I will be able to test it out when I am there
I have this and monzo and both are really good.

Use Monzo as my main account now and prefer the app / service to starling. However Monzo only allows £300 a month free foreign withdrawals (can use in shop and so on using epos terminals as much as you want)

I wouldn't see these as just a foreign currency card anymore which some people do. But as a genuine alternative to the big banks. Everything (online banking, transfers, customer service and so on) is so much better with these two than any other bank I have ever used.

Then there is the security, everytime you buy something you get a notification. (So can spot any unauthorized activity) and you can freeze the card from within the app.
Hi. I'm taking the family to Disneyland Paris next year. Looking at prepaid cards and travel credit cards this looks the better option?
broke_with_expensivetaste28/05/2018 11:41

Revolut used to be my fav until I used this. Perfect for holidaysI just …Revolut used to be my fav until I used this. Perfect for holidaysI just hope they don't start reducing the ATM withdrawal to a small amount the bigger they get like Revolut


I think they will have to eventually, just like monzo did. It's just not really sustainable to keep it free forever.

I really went off revolut very fast once they started with their premium offering where some function are locked for premium members
tolvegeta5 m ago

Hi. I'm taking the family to Disneyland Paris next year. Looking at …Hi. I'm taking the family to Disneyland Paris next year. Looking at prepaid cards and travel credit cards this looks the better option?


100% no 'loading fees' no fees for withdrawing back to your main bank. No foreign transaction fees. However it is use cases like (where people use it purely as a travel card) this that will eventually cause them the have to charge for things like this, so make the most whilst you can
If it wasnt for the fact my kids savings accounts are linked to my bank account id have made starling my main account already

As soon as i find a decent place to put the kids money ill be making the switch
Great card, used it in Mexico, Belize and Guatemala for ATM withdrawals and paying everything from hotel to restaurants, supermarkets, bus terminals and everywhere else including on board duty free flying back.

No issues whatsoever and as others have metioned the instant notification on the phone is a star feature.
Instantly updates the balance to easily track spending and its easy enough to load money via bank transfer, debit card etc.

I used mine a few weeks before leaving in UK to test out, no extra charges for using in UK.

Will seriously consider moving current account to Starling if they have a juicy sign up offer on...
Paulwarw28/05/2018 11:35

They are working on getting a joint account function out in the next few …They are working on getting a joint account function out in the next few months. You can probably just ask for a second card on the live chat until then, the staff are always really helpful.


My wife works in the banking industry and says this is because of data protection. It’s very hard to open a joint account online at present but is likely to change very soon
lidds28/05/2018 11:47

I think they will have to eventually, just like monzo did. It's just not …I think they will have to eventually, just like monzo did. It's just not really sustainable to keep it free forever.I really went off revolut very fast once they started with their premium offering where some function are locked for premium members


Agree it will happen but I hope it's not a ridiculous low amount like Revolut per month for ATM withdrawal.

Yup once Revolut introduced the Premium features I was out. With that said having Revolut + Monzo + Starling + Clarity Card (for backup) should get you through any holiday
Very slick process from beginning to end and app design is ridiculously easy
Crispy_Ambulance28/05/2018 11:01

Can you order a second card for your partner (wife)?


Get a CURVE card... Then add this Starling card to it. Then you can both use the bank card
From the app can you see live exchange rates of all major currencies?
300 per day, but only three withdrawals (a limitation thats easy enough to manage around)
sc03tye28/05/2018 12:37

Get a CURVE card... Then add this Starling card to it. Then you can both …Get a CURVE card... Then add this Starling card to it. Then you can both use the bank card


And in doing so, lose any fx benefits.
mdavebailey28/05/2018 11:30

I use Starling as my main bank account, much better than normal banks in …I use Starling as my main bank account, much better than normal banks in every way


I opened one too and am loving using it in Italy. I’d like to switch to use it as my main account in the uk but haven’t seen yet how to bank a cheque with them. Do you know if it’s possible?
spammy28/05/2018 13:07

300 per day, but only three withdrawals (a limitation thats easy enough to …300 per day, but only three withdrawals (a limitation thats easy enough to manage around)


3 withdrawals a day or month?
gtopping11 m ago

I opened one too and am loving using it in Italy. I’d like to switch to u …I opened one too and am loving using it in Italy. I’d like to switch to use it as my main account in the uk but haven’t seen yet how to bank a cheque with them. Do you know if it’s possible?


You post it to them. I currently pay into my old bank account using imaging in the app, then transfer the money into my Starling account. It's now the only thing I use my old account for. That and paying in cash (extremely rare)
Thanks OP. Was trying to chose between revolute, Monzo and the Halifax but think I’ll give this a go.

Presumably you can use as a debit card abroad - any limitations on amount or number of times a day/month?

I just applied for an account - says it will take a day or two to process. Any idea how long before a card will get to me?
I'm going away to Spain with the family in June next year, would it be worth me getting this card now or just keeping it in mind for next year? I'm with Halifax so I was also thinking about getting there clarity card which has no fees for withdrawing etc etc.
I prefer Revolut as I said in the other thread but I don't think that really matters. I originally wanted something like Revolut/Starling/Brandx because I wanted a cheap way to get cash Euros because paying for things abroad with my UK debit card was so insanely expensive. Paradoxically now I've got a card (Revolut) which I can use in UK or abroad with no ripoff I also don't need the cash Euros any more so not particularly bothered by the GBP200/month ATM limit.

As others have said I now just use Revolut as my bank and I'm sure people can do same with Starling and the others. That's the best part that the traditional banks (and bureaux de change) who have leeched off people since forever are now screwed.
tolvegeta1 h, 54 m ago

Hi. I'm taking the family to Disneyland Paris next year. Looking at …Hi. I'm taking the family to Disneyland Paris next year. Looking at prepaid cards and travel credit cards this looks the better option?


Used a Monzo card last year for the exact same thing. It was great. Monzo has more restrictions on withdrawals now and this looks just like it used to be for the time being.
bluep12 m ago

Thanks OP. Was trying to chose between revolute, Monzo and the Halifax but …Thanks OP. Was trying to chose between revolute, Monzo and the Halifax but think I’ll give this a go.Presumably you can use as a debit card abroad - any limitations on amount or number of times a day/month?I just applied for an account - says it will take a day or two to process. Any idea how long before a card will get to me?

It's a standard debit card, so no restrictions (except fraud protection limits as per all bank cards). Just make sure you ask to pay in Euros, as many terminals abroad will offer to covert to pounds.

Card arrives in a couple of days. However, you can add your account to Google or Apple pay before the card arrives and start spending

I've had the account for a year and not had any issues. It's now my main account.

Just returned from Gran Canaria and used without issue. Just avoid Santander ATMs in Spain as they charge €5 for withdrawals by non Santander account holders
Edited by: "daesimps" 28th May 2018
used recently in Fuerteventura and it’s brilliant, paid for things like I usually would here Just remember to pay in local currency and if you withdraw cash use a free cash machine
Best banking app by a long way, at least of the many I've used, and works with my Fitbit yayyyyy!
Halifax Clarity is a better bet.

Same rates, no fees, can withdraw cash abroad, MasterCard so widely accepted.
All with a mainstream bank.
Bank account as in the equivalent of High street ones such as Nationwide, Halifax etc....?

Would people really close those accounts down to transfer into something like Starling?

How would you go about withdrawing a big amount say £10,000

Ive used revolut before for small transactions but i would never risk putting a lot into these relatively new companies
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