Starling Bank - Free Purchases Abroad Everywhere & Free Cash Withdrawals
593°

Starling Bank - Free Purchases Abroad Everywhere & Free Cash Withdrawals

92
Found 24th Dec 2017
This is a Full UK Current Account that allows you to use your debit card anywhere in the world, with no fees. You can also make online transactions in foreign currencies with no fees. You get the Mastercard Exchange Rate, which is the best possible rate (Slightly better than Visa's rate).

The bank is regulated by the Financial Conduct Authority like all Current Accounts and therefore your money is protected up to £85,000 if they were ever to become insolvent.

It is all controlled via App, with very helpful support. Download from either the Play Store or the Apple Store. I have found Live Chat very responsive.

You get a transaction notification within circa 5 seconds of paying for your shopping, via your phone.


Why do I post this Deal and say Starling is the best?

Unlike the Halifax Credit Card, you can withdraw money from ATMs without having to worry about having to make an online bank transfer to pay off the daily interest, since it is a Current Account rather than a Credit Card.
The £85,000 protection is not offered by pre-paid cards like Revolut. Game-changer for me.

There's no £20 offer, unlike the Halifax Credit Card deal posted today, but it's a better card IMHO and also easier to get because it's a Current Account and not a Credit Card.
Community Updates

Groups

Top comments
Original Poster
I appreciate people see the cards best point is that it is Fee Free across the World, but I find out surprisingly nice for my phone to vibrate in my pocket a couple of seconds after I pay for my shopping in my local stores.

Unlike most Current Accounts where you have to log in once every few days to find out whether they've been any unauthorised transactions. I know within 60 seconds maximum, likely 1-5 seconds.

You can also instantly block your card via the App if you lose it - and, instantly unblock your card, if you find it again under the sofa

I also feel like using it as my main overall bank account helps make the Fee-Free part abroad more sustainable long-term, and considering how good I've found their entire service, worth it.
Edited by: "Firefly1" 24th Dec 2017
92 Comments
Sounds good to me, may take over from my revolt card. Heat given.
Looks good. Must check it out after Xmas. Thanks.
Not strictly a deal as this is always available, but I've used Starling for about 6months now and would recommend. Heat added.
I have used this bank for about 3 months now.. use abroad a number of times.. absolutely no charge what so ever. Wonderful bank account.
Original Poster
I appreciate people see the cards best point is that it is Fee Free across the World, but I find out surprisingly nice for my phone to vibrate in my pocket a couple of seconds after I pay for my shopping in my local stores.

Unlike most Current Accounts where you have to log in once every few days to find out whether they've been any unauthorised transactions. I know within 60 seconds maximum, likely 1-5 seconds.

You can also instantly block your card via the App if you lose it - and, instantly unblock your card, if you find it again under the sofa

I also feel like using it as my main overall bank account helps make the Fee-Free part abroad more sustainable long-term, and considering how good I've found their entire service, worth it.
Edited by: "Firefly1" 24th Dec 2017
I've used Starling for about 6 months and would recommend. Heat added
Question on this: can this (or Revolut) be used for eshop purchases (e.g. Nintendo South African eshop)?
Original Poster
Thorandor1 m ago

Question on this: can this (or Revolut) be used for eshop purchases (e.g. …Question on this: can this (or Revolut) be used for eshop purchases (e.g. Nintendo South African eshop)?


Does the South African eshop allow you to pay with your standard UK card (albeit with fees). If the answer is yes, it will almost certainly work.
If it blocks your UK card because it is UK based, then Starling (and I presume Revolut) will almost certainly not work.
Had starling along with monza for a while now.. Nothing beats my curve card though
Firefly12 m ago

Does the South African eshop allow you to pay with your standard UK card …Does the South African eshop allow you to pay with your standard UK card (albeit with fees). If the answer is yes, it will almost certainly work.If it blocks your UK card because it is UK based, then Starling (and I presume Revolut) will almost certainly not work.


Thank you kindly, I'll check what / if my current card does!
Firefly18 m ago

surprisingly nice for my phone to vibrate in my pocket a couple of seconds …surprisingly nice for my phone to vibrate in my pocket a couple of seconds after I pay


I thought those school knickers with the pocket went out in the 70's!
Is there a bricks and mortar option for cash deposits, if not: how are cash deposits accepted? Thanks.
Original Poster
moneybanks149 m ago

Had starling along with monza for a while now.. Nothing beats my curve …Had starling along with monza for a while now.. Nothing beats my curve card though


Curve looks good, except not sure I trust any app with all my bank accounts in one app, enough hassle if one bank has a security breach, let alone details of all my banks

It says you choose which card to spend overseas, but then says "ONE PERCENT FEE FOR OVERSEAS SPEND" i.e. it sounds like they charge for all overseas transactions.
Hopefully green arrow protects your money.
Firefly16 m ago

Curve looks good, except not sure I trust any app with all my bank …Curve looks good, except not sure I trust any app with all my bank accounts in one app, enough hassle if one bank has a security breach, let alone details of all my banks It says you choose which card to spend overseas, but then says "ONE PERCENT FEE FOR OVERSEAS SPEND" i.e. it sounds like they charge for all overseas transactions.


I've used it for over 6 months absolutely flawless so far. Amazing bit if tech. 1 card with 10 debit/credit cards on it.
Original Poster
AndyRoyd16 m ago

Is there a bricks and mortar option for cash deposits, if not: how are …Is there a bricks and mortar option for cash deposits, if not: how are cash deposits accepted? Thanks.


At present, I think they are only accepted via Natwest Branches (They say they are in contact with Post Office & PayPoint re: Contracts to do this but no agreement).

Starling obviously give you a Sort Code & Account Number, so you can pay into a different bank and then make a bank transfer of a large sum of money. But if you're trying to do cash deposits often, probably not the account you'll want to use as your main account admittedly

EDIT - I stand corrected: "Post Office deposits will be added in early 2018." as announced at a recent Starling Event. So at least that will be there soon enough.

Thorandor24 m ago

Thank you kindly, I'll check what / if my current card does!

Also be aware that if - when you enter your current UK card details - it says on the payment screen e.g. £9.99 to pay, and there is no way to force the website to let you pay in the other currency, you'll have the same problem with Starling. I found this out with Airbnb where they insisted I paid in UK Sterling despite the fact the host set the price in New Zealand Dollars.
Edited by: "Firefly1" 24th Dec 2017
Worth mentioning that when you open your account, you have to do selfie video and take of photo of your passport or driving licence to proove your identity.
Thorandor23 m ago

Question on this: can this (or Revolut) be used for eshop purchases (e.g. …Question on this: can this (or Revolut) be used for eshop purchases (e.g. Nintendo South African eshop)?


Never works for me sadly.
Any notable differences between this and Monzo? Are we at a point now where there will be loads of these banks popping up?
Original Poster
Thorandor25 m ago

Thank you kindly, I'll check what / if my current card does!


According to their Twitter page:
twitter.com/Sta…701

It's very unlikely to work, sorry!
I have used my revolt card on amazon italy to pay for something in euros.
Original Poster
kekomemo1 m ago

Any notable differences between this and Monzo? Are we at a point now …Any notable differences between this and Monzo? Are we at a point now where there will be loads of these banks popping up?



From 18 December 2017: If you've a Monzo current account, you'll be able to withdraw £200/month overseas fee-free. Further withdrawals will incur a 3% charge.


I.e. your overseas withdrawals are restricted if you are planning to use the card abroad.
Firefly136 m ago

I appreciate people see the cards best point is that it is Fee Free across …I appreciate people see the cards best point is that it is Fee Free across the World, but I find out surprisingly nice for my phone to vibrate in my pocket a couple of seconds after I pay for my shopping in my local stores. Unlike most Current Accounts where you have to log in once every few days to find out whether they've been any unauthorised transactions. I know within 60 seconds maximum, likely 1-5 seconds. You can also instantly block your card via the App if you lose it - and, instantly unblock your card, if you find it again under the sofa I also feel like using it as my main overall bank account helps make the Fee-Free part abroad more sustainable long-term, and considering how good I've found their entire service, worth it.


You can also block the physical card vis the app, yet still use it via Android Pay on your phone if you so wish.
Edited by: "artnada" 24th Dec 2017
kekomemo3 m ago

Any notable differences between this and Monzo? Are we at a point now …Any notable differences between this and Monzo? Are we at a point now where there will be loads of these banks popping up?


I had Monzo and Starling and decided to move completely to Starling. Much more profesional. Monzo didn't quite cut it for me.
They want a video selfie as part of the application process, I kid you not.Think I will stick with Santander!
kekomemo27 m ago

Any notable differences between this and Monzo? Are we at a point now …Any notable differences between this and Monzo? Are we at a point now where there will be loads of these banks popping up?


I’ve had a Starling account for just over 6 months. Also have a Revolut Card.
Used it abroad in Orlando and Ibiza without any issue. My Revolut is now a backup card
My main attraction to Starling was that it has applepay (Android and Fitbit also).
Transfering in and out is instant. As is purchases where you often get the notification before the cashier tells you it’s been authorised.
They’ve ve recently added a feature called ‘Goals’ where you can transfer cash from your main balance into a virtual savings account. For example, I have a £500 goal set for an upcoming holiday. I transfer a few £’s now and then into my goal. Saved over £120 so far without missing it. You could be saving for a rainy day, new car etc..
Edited by: "W1zz" 24th Dec 2017
I shut my account with them as I didn't need it, can't reopen it now so be warned.
Original Poster
Bully8 m ago

They want a video selfie as part of the application process, I kid you …They want a video selfie as part of the application process, I kid you not.Think I will stick with Santander!


They cross reference it with the ID that you provide.
It's far more authentic than a photo which is more easily faked than a unique video that requires you to say a (unique to Sterling) phrase. They certainly do not then put your selfie video on Twitter for the World to see.
Edited by: "Firefly1" 24th Dec 2017
Monzo started free and when got more customers they started charging 3 percent for ATM withdrawals abroad. This will surely do the same as soon as they have enough people on their books.
Does this do a credit check in order to open the account?
With our international transactions it is better to have protection of credit card. I once hired a car and returned it with missing insurance documents for which they wanted to charge me £80 but kept the whole of my deposit if £1200 for about 4months. Only got it back through credit card company.
Firefly17 m ago

They cross reference it with the ID that you provide.It's far more …They cross reference it with the ID that you provide.It's far more authentic than a photo which is more easily faked than a unique video that requires you to say a (unique to Sterling) phrase. They certainly do not then put your selfie video on Twitter for the World to see.


It's purpose is to help you if you need to prove who you are in the future - say you lose your phone or forget your password. Record a new video, and they get to compare your voice, mannerisms and appearance!

Note the cards don't work in all US POS machines.
My comment is under review???
I was using the prepay monzo card since july, now i have the current account, but monzo have now start charging fees after £200 taken out abroad from atms, so applied for starling 3 weeks ago because of all the free withdrawals, it does everything monzo does auto text messages when money is taken out or put in, can freeze the card from app etc so think I'm gonna stick with starling.
Edited by: "feckineejit" 24th Dec 2017
I’ve had a Starling account for 3 months now - the best current account I’ve ever had and I’m 43! Seriously it’s awesome, love the layout etc especially the map which shows you exactly where your transactions take place. Also I’ve been paid interest every month, something that never happened with Lloyds and Halifax.
My wife has been using Starling since July. Very pleased with it. Customer service is through the app as well with pretty quick response times. For those of you worried about not being able to access your account if the battery dies, the app can be installed on 3 devices.
Has anyone got any idea about the exchange rate when you pay abroad in the local currency?
Maybe they don't charge a fee for the transaction but they have a poor exchange rate...
Info_Box13 m ago

Has anyone got any idea about the exchange rate when you pay abroad in the …Has anyone got any idea about the exchange rate when you pay abroad in the local currency?Maybe they don't charge a fee for the transaction but they have a poor exchange rate...


I thought they used the mastercard exchange rate, which is about as good as we can get?
Edit: From their site "
  • Great exchange rates.
    You’ll benefit from Mastercard’s globally accepted exchange rate…and no, we won’t add anything on top."
Edited by: "caped_crustation999" 24th Dec 2017
Info_Box12 m ago

Has anyone got any idea about the exchange rate when you pay abroad in the …Has anyone got any idea about the exchange rate when you pay abroad in the local currency?Maybe they don't charge a fee for the transaction but they have a poor exchange rate...


they use the mastercard exchange rate, its not perfect but theyre pretty much guaranteed to be better than asking abroad to pay in pounds etc.. mastercard.co.uk/en-…tml can give you an idea of what the conversion is like
Stomach churning last sentences on the write ups of the hipsters who run this operation starlingbank.com/peo…le/
Post a comment
Avatar
@
    Text