Starling Bank is Fee Free spending and withdrawals worldwide upto £300 a day. This is an app based bank like revolut. Plus you get 0.5%AER interest
743°

Starling Bank is Fee Free spending and withdrawals worldwide upto £300 a day. This is an app based bank like revolut. Plus you get 0.5%AER interest

153
LocalFound 9th Apr
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

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.

From MSE but not exclusive
Community Updates

Groups

Top comments
I’m a Monzo man myself but Monzo doesn’t have Apple Pay or business banking yet, and Starling does. So that might help those hard to decide!
artnada1 m ago

No.


Hah, thanks .. I like a concise, straight to the point answer
Buxty18 m ago

I’m a Monzo man myself but Monzo doesn’t have Apple Pay or business ban …I’m a Monzo man myself but Monzo doesn’t have Apple Pay or business banking yet, and Starling does. So that might help those hard to decide!


Starling is much better than Monzo. I use it as my day to day bank now. I was even offered a decent valued overdraft facility and did not have to apply
Edited by: "OllieSt" 9th Apr
cruisecars22 m ago

They also need video id and photo id etc ill stick with my curve card much …They also need video id and photo id etc ill stick with my curve card much better....


Got both, Starling much better.


Curve fees
For purchases and ATM withdrawals made abroad with Curve we do the currency exchange for you at a wholesale rate, and we add a small 1% foreign exchange fee to cover the underlying costs.
If you make an ATM withdrawal in another currency whilst abroad, there is a £2 flat rate fee per withdrawal.
You may withdraw up to £200 from your credit cards each calendar month as per our Fair Use Policy, amounts over this are subject to a 2% fee.

Starling fees (for same things)
Zero.
Edited by: "joyf4536" 9th Apr
153 Comments
I’m a Monzo man myself but Monzo doesn’t have Apple Pay or business banking yet, and Starling does. So that might help those hard to decide!
Am i right in thinking you need to pay in a minimum amount each month for this bank ?
HankHandsome4 m ago

Am i right in thinking you need to pay in a minimum amount each month for …Am i right in thinking you need to pay in a minimum amount each month for this bank ?


No.
artnada1 m ago

No.


Hah, thanks .. I like a concise, straight to the point answer
Buxty18 m ago

I’m a Monzo man myself but Monzo doesn’t have Apple Pay or business ban …I’m a Monzo man myself but Monzo doesn’t have Apple Pay or business banking yet, and Starling does. So that might help those hard to decide!


Starling is much better than Monzo. I use it as my day to day bank now. I was even offered a decent valued overdraft facility and did not have to apply
Edited by: "OllieSt" 9th Apr
Meh .. they rejected me anyway .. everyone does
They also need video id and photo id etc ill stick with my curve card much better....
HankHandsome27 m ago

Am i right in thinking you need to pay in a minimum amount each month for …Am i right in thinking you need to pay in a minimum amount each month for this bank ?


Your thinking is incorrect.
cruisecars1 m ago

They also need video id and photo id etc ill stick with my curve card much …They also need video id and photo id etc ill stick with my curve card much better....


Video id and photo id? OMG lol
whar exchange rates etc ! are they live on the day or fixed ?
OllieSt18 m ago

Starling is much better than Monzo. I use it as my day to day bank now. …Starling is much better than Monzo. I use it as my day to day bank now. I was even offered a decent valued overdraft facility and did not have to apply



What overdraft did you get if you don't mind me asking? I didn't have to apply for one either, bar selecting the option and saying how much I have. Thats with my awful credit too!
They rejected my application.... **** bank
Edited by moderator: "removed swear word" 9th Apr
cruisecars22 m ago

They also need video id and photo id etc ill stick with my curve card much …They also need video id and photo id etc ill stick with my curve card much better....


Got both, Starling much better.


Curve fees
For purchases and ATM withdrawals made abroad with Curve we do the currency exchange for you at a wholesale rate, and we add a small 1% foreign exchange fee to cover the underlying costs.
If you make an ATM withdrawal in another currency whilst abroad, there is a £2 flat rate fee per withdrawal.
You may withdraw up to £200 from your credit cards each calendar month as per our Fair Use Policy, amounts over this are subject to a 2% fee.

Starling fees (for same things)
Zero.
Edited by: "joyf4536" 9th Apr
Original Poster
HankHandsome32 m ago

Meh .. they rejected me anyway .. everyone does


ngangekrubally9 m ago

They rejected my application.... **** bank



You tried the basic virgin money account. No fees worldwide and only a £1.50 cash machine withdrawal fee. Upto £500 a day too. Not bad if you withdraw the max you need you would still be quids in.
As its a basic account you do not need to be credit checked.
Thanks
Anon3211 m ago

You tried the basic virgin money account. No fees worldwide and only a …You tried the basic virgin money account. No fees worldwide and only a £1.50 cash machine withdrawal fee. Upto £500 a day too. Not bad if you withdraw the max you need you would still be quids in. As its a basic account you do not need to be credit checked.


I've already got a TSB basic account I use for direct debits and a Nationwide current account for my main money coming in but i would have been quite happy to switch that to a starling account if it had approved me
Moved from Monzo to Starling some time ago and have to say it's fab. Not using it as Main Account as you can't use LINK cash machines.
Brilliant account - Has replaced my Monzo, Halifax Clarity & Revolt - The instant transactions are the best thing so you can really keep an eye on spending even at the weekends! No shocks on Tuesday when most banks update your weekend spending
HankHandsome1 h, 23 m ago

Am i right in thinking you need to pay in a minimum amount each month for …Am i right in thinking you need to pay in a minimum amount each month for this bank ?


No - Can't remember how much you need to deposit to start account

Cannot recommend Starling enough - If you are abroad often then i'd call it essential
Brydos211 h, 52 m ago

whar exchange rates etc ! are they live on the day or fixed ?


They live not day one in the out fun !
been using as my main bank since august, am very happy with them so far!
mne21 h, 32 m ago

Moved from Monzo to Starling some time ago and have to say it's fab. Not …Moved from Monzo to Starling some time ago and have to say it's fab. Not using it as Main Account as you can't use LINK cash machines.


Well, that seems like a bit of a deal breaker...
Anon329th Apr

You tried the basic virgin money account. No fees worldwide and only a …You tried the basic virgin money account. No fees worldwide and only a £1.50 cash machine withdrawal fee. Upto £500 a day too. Not bad if you withdraw the max you need you would still be quids in. As its a basic account you do not need to be credit checked.


All standard banks (including Northern Rock / Virgin) fully credit check you for current accounts.
It's only some of these newer banks only run a soft check (ID / fraud) if you don't ask for credit.
wildecat4 m ago

All standard banks (including Northern Rock / Virgin) fully credit check …All standard banks (including Northern Rock / Virgin) fully credit check you for current accounts.It's only some of these newer banks only run a soft check (ID / fraud) if you don't ask for credit.


Well clearly Starling don't run a soft check.
nigelbutler1 h, 38 m ago

Brilliant account - Has replaced my Monzo, Halifax Clarity & Revolt - The …Brilliant account - Has replaced my Monzo, Halifax Clarity & Revolt - The instant transactions are the best thing so you can really keep an eye on spending even at the weekends! No shocks on Tuesday when most banks update your weekend spending


I'd not replace a credit card (clarity) with an app based account.

When you use a debit card you are spending your money, a credit card you are spending the bank's money.
If you have problems, I know who's money I'd rather goes missing... plus S75 protection for major issues plus chargeback.

You can also pay the bill for clarity at any Halifax or Bank of Scotland branch, if you are so inclined.
joyf45362 h, 15 m ago

Got both, Starling much better.Curve feesFor purchases and ATM withdrawals …Got both, Starling much better.Curve feesFor purchases and ATM withdrawals made abroad with Curve we do the currency exchange for you at a wholesale rate, and we add a small 1% foreign exchange fee to cover the underlying costs.If you make an ATM withdrawal in another currency whilst abroad, there is a £2 flat rate fee per withdrawal.You may withdraw up to £200 from your credit cards each calendar month as per our Fair Use Policy, amounts over this are subject to a 2% fee.Starling fees (for same things)Zero.



Ok sounds do u get a card for free ?
Brydos212 h, 32 m ago

whar exchange rates etc ! are they live on the day or fixed ?


They are live, they use mastercard exchange rate (which is brilliant) so it's easy to check
HankHandsome11 m ago

Well clearly Starling don't run a soft check.


Soft can mean they just check ID/fraud.
It can also mean they do a full credit check but don't leave a footprint!
wildecat13 m ago

I'd not replace a credit card (clarity) with an app based account.When you …I'd not replace a credit card (clarity) with an app based account.When you use a debit card you are spending your money, a credit card you are spending the bank's money.If you have problems, I know who's money I'd rather goes missing... plus S75 protection for major issues plus chargeback.You can also pay the bill for clarity at any Halifax or Bank of Scotland branch, if you are so inclined.


You have a lot of control via the app though.... I understand the differences between credit cards and debit but if your Starling Card gets lost you can freeze it and unfreeze from the app

Halifax Clarity is still good though and worth using as a back up or main depending on your requirements :-)
nigelbutler9 m ago

You have a lot of control via the app though.... I understand the …You have a lot of control via the app though.... I understand the differences between credit cards and debit but if your Starling Card gets lost you can freeze it and unfreeze from the appHalifax Clarity is still good though and worth using as a back up or main depending on your requirements :-)


Yes, apparently Lloyds are adding the freezing function - will see if it arrives.

There might be the occasional acceptance issue with Starling as it's an online debit card AFAIK.
I had one with N&P (RIP) and has the occasional issue with it.
I'm living in Spain - could I open a Starling account? (or could my father who lives in the UK apply for it and I use it?) Can you use your mobile (Samsung) to pay at contactless points? Cheers
Monza and revolut both forcing you to open full bank account to continue using their card, Starling aren't, just returned from Barbados used the card for everything for 3 weeks no issues n near perfect bank exchange for the day not a poor tourist rate that most people accept.
Used card for withdrawing cash n also meals at restaurants etc still great rate, this is the card to have
I've been with them since December. Use it as my main bank. I love the fact the app tells you when funds have been added or taken away from your account...so if someone was commuting fraud on your account you'd know straight away. As well as being able to pause your card if it was misplaced and the reactivate once you've located it and it hasn't been stolen.
do you have to pay for the delivery of the card and do they do contactless cards?
you have to pay for both on Revolut- but only after you've paid a tenner into your account... bit of a con tbf :-(
Just came back from Turkey where I used Starling and Revolut. Not sure how I lived without these before!

Starling beats Monzo hands-down in my opinion (I have both). Revolut is the best though, in my opinion of course. I have a premium account and I find it worth the annual fee of £72 and it saves me 10 x that amount on international money transfer fees only, let alone the saving from spending and withdrawing money overseas. Revolut's only issue (to me) is that they don't have a banking license yet, so deposits are not protected by FCS (although they're ring-fenced with a reputable bank, Lloyds I think).

Starling is the only account that doesn't have ATM Withdrawal limits or fees overseas, which comes very handy in countries where cards are not widely accepted.

I'm also switching my business account to Starling.
There is alot of comparisons between apples and apple flavour fruit chews taste similar but are different...revolut / Monza, starling, curve, and clarity are all different products.
Edited by: "jchung07" 9th Apr
cruisecars4 h, 3 m ago

They also need video id and photo id etc ill stick with my curve card much …They also need video id and photo id etc ill stick with my curve card much better....


Does curve require video and photo id ?
HankHandsome3 h, 27 m ago

I've already got a TSB basic account I use for direct debits and a …I've already got a TSB basic account I use for direct debits and a Nationwide current account for my main money coming in but i would have been quite happy to switch that to a starling account if it had approved me


Have you heard that nationwide no longer allow cash deposits into nationwide accounts, unless you are putting the money in yourself
how to find how much overdraft i have .do i have to ask ?
I use these types of accounts only for my 1 holiday in the eu each year.

I was declined for a Starling account, but since got a Loot.io account to add to my Monzo, and Virgin Essential Account. My everyday banking is with Lloyds.

The reason for all 3 is simply if one of their systems go down i have a back-up, but also for atm withdrawals, between the loot's 2 x free upto £250 withdrawals, and Monzo's 1 x £200 free withdrawal, i have a plentiful £700 limit on free atm withdrawals. (actually double that as the missus has the same)

I used Monzo and the Virgin Essentials on holiday last year, and much preferred the Monzo as i could add money from my Lloyds account via internet banking and money appear straight away, and when i made a transaction it showed on the app immediately. The Virgin is good for purchases, but sluggish in crediting money transfers and has no app, even the online banking is very limited. This is another reason i added the Loot account, but that too is sluggish crediting money transfers via my Lloyds account, but think it is quicker to credit by a card. But at least it has the app so i can keep a quick eye on things.

So this year, pretty much the same as last Monzo will be used as my primary card but will only be topping it up as i go from my Lloyds account a few hundred at a time, so if their system does go down i haven't got all my funds frozen. Loot will be used as the atm backup, and if all systems are fine won't be using the virgin account.
Post a comment
Avatar
@
    Text