Banking · Retail bank
Starling Bank: a British online bank with sterling and euro accounts
A bank authorised in the United Kingdom, opened through its app, which adds a euro account to the sterling account for individuals and businesses. It is aimed at UK residents; it is not designed for an expatriate who has already left the country.
Please note
Characteristics
- Family
- Retail bank
- Regulator
- Prudential Regulation Authority / Financial Conduct Authority
- Regulator country
- United Kingdom
- Deposit guarantee
- Yes
- Remote opening
- Yes
- Currencies
- GBP · EUR · USD
- Services
- Current account · Multi-currency account · Payment card · International transfers · Savings
- Accepted residencies
- Not provided
- Refused residencies
- Not provided
- Home country
- United Kingdom
Savings accounts are reserved for adults resident in the United Kingdom. The account-opening page sets no explicit residency requirement for the current account; it requires photo ID, a short video and, where applicable, proof of address. The dollar account and the business euro account are subject to their own eligibility criteria.
Entities and regulatory status
| Entity | Jurisdiction | Status | Regulator | Protection of funds |
|---|---|---|---|---|
| Starling Bank Limitedholds the accountAuthorised by the PRA and regulated by the FCA; the number was taken from the footer of the official website, and the FCA register entry was not consulted. | United Kingdom | Banks with their own licence | PRA / FCALicence 730166 | FSCS |
Who can open or keep an account
| Country of residence | Case | Status | Conditions |
|---|---|---|---|
| United Kingdom | Opening | Conditions apply | Photo ID and video required; UK residency expressly required for savings, not specified for the current account.starlingbank.com |
| United Kingdom | Keeping after a move | Unknown | The rule that applies after leaving the United Kingdom was not found. |
A country missing from this table is neither accepted nor refused: the information is not published.
Published figures
- Account fee€0starlingbank.com · Verified on Nov 2, 2026
- Brokerage feeNot provided
- Deposit guarantee ceilingup to £120,000fscs.org.uk · Verified on Nov 2, 2026
- Entry ticketNot provided
Which entity, which status
Starling Bank Limited, a company registered in England and Wales, states that it is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, under number 730166 (official website notices). It is a bank with its own licence.
The FCA register entry was not consulted directly; the reference comes from the bank's website.
Who can open an account
The online account-opening page asks for photo ID (passport or driving licence), a short video of yourself and, sometimes, proof of address. It reserves savings accounts for adults resident in the United Kingdom and provides for accounts for teenagers and children (open a Starling account).
Neither the situation of non-residents nor the retention of the account after moving abroad is covered on the page consulted.
Account, card and currencies
The personal sterling current account is shown with no account maintenance fee (figure being updated) in the October 2025 fee information document, which also does not charge for card payments in a foreign currency (figure being updated) or for currency withdrawals outside the United Kingdom.
A euro account makes it possible to hold, send and receive euros. Its fee document, dated 2022, shows an account maintenance fee of €01 and states that the card linked to this account does not work for payments in a currency other than the euro. A dollar account exists for businesses, subject to conditions.
The monthly fee for business accounts in euros and dollars is not included: the page read cites it without a dated fee document. Withdrawal limits were not recorded.
Protection of funds
Eligible deposits with Starling Bank Limited are covered by the FSCS up to up to £120,0002 per person and per institution, since December 2025. Euro balances held with the British bank fall under the same institution; their exact treatment by the FSCS was not verified.
Points to check
- If the euro is the destination currency, the date of the euro account's fee document, which was old at the time of reading.
- Starling's policy in the event of a lasting departure from the United Kingdom, to be requested in writing.
- Eligibility for the multi-currency business account, assessed on a case-by-case basis.
Sources and verification dates
- 1.
Account fee : €0
« Maintaining the account EUR 0 »
Starling Bank Limited, « Fee Information Document – Personal Euro Account »Verified on Nov 2, 2026Verified source
- 2.
Deposit guarantee ceiling : £120,000
« FSCS can compensate you up to the new limit of £120,000 per eligible person, per authorised firm. »
Financial Services Compensation Scheme, « Deposit limit »Verified on Nov 2, 2026Verified source