Terms and Conditions
Terms and Conditions
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Information on this page
This page contains important legal documents for Starling Bank. It includes the personal and business account terms currently in effect (or due to come into effect on a future date), as well as other legal documents – such as our Fee Information documents, Privacy Notice, Cookies Policy, Marketplace Terms and Competition Terms.
You can use the links below to jump to the relevant sections you’d like to look at:
Account terms and conditions and Rates, Fees and Charges
Account terms and conditions and Rates, Fees and Charges
Personal
Personal Account General Terms
Until 9 February 2025, the Current Account Terms and Conditions (General Part) dated 13 July 2022 are applicable
Click here for your terms until 9 February 2025
From 10 February 2025, the Personal Account General Terms dated 10 February 2025 are applicable
Personal Current Account Schedule and Rates, Fees & Charges
Until 9 February 2025, the Personal Current Account Schedule dated 1 March 2022 is applicable
Click here for your terms until 9 February 2025
From February 10 2025, the Personal Current Account Schedule and rates, fees and charges dated 10 February 2025 are applicable
Click here for your terms from 10 February 2025
Until 9 February 2025, the Rates, Fees and Charges for all GBP Personal and Joint Current Accounts dated 23 November 2023 is applicable
Click here for your Rates, Fees and Charges until 9 February 2025
From February 10 2025, the Personal Current Account Schedule and rates, fees and charges dated 10 February 2025 are applicable
Click here for your Rates, Fees and Charges from 10 February 2025
Joint Current Account Schedule and Rates, Fees & Charges
Until 9 February 2025, the Joint Current Account Schedule dated 3 August 2024 is applicable
Click here for your terms until 9 February 2025
From 10 February 2025, the Joint Current Account Schedule and Rates, Fees and Charges dated 10 February 2025 is applicable
Click here for your terms from 10 February 2025
Until 9 February 2025, the Rates, Fees and Charges for all GBP Personal and Joint Current Accounts dated 23 November 2023 is applicable
Click here for your Rates, Fees and Charges until 9 February 2025
From 10 February 2025, the Joint Current Account Schedule and Rates, Fees and Charges dated 10 February 2025 is applicable
Click here for your Rates, Fees and Charges from 10 February 2025
Euro Personal Current Account Schedule and Rates, Fees & Charges
Until 9 February 2025, the Euro Personal Current Account Schedule dated 1 March 2022 is applicable
Click here for your terms until 9 February 2025
From 10 February 2025, the Euro Personal Current Account Schedule and Rates, Fees and Charges dated 10 February 2025 is applicable
Click here for your terms from 10 February 2025
Until 9 February 2025, the Rates, Fees and Charges for all Euro Personal Current Accounts dated 21 November 2022 is applicable
Click here for your Rates, Fees and Charges until 9 February 2025
From 10 February 2025, the Euro Personal Current Account Schedule and Rates, Fees and Charges dated 10 February 2025 is applicable
Click here for your Rates, Fees and Charges from 10 February 2025
Kite Terms and Conditions
Until 9 February 2025, the Starling Kite Terms and Conditions dated 23 June 2021 are applicable
Click here for your terms until 9 February 2025
From 10 February 2025, the Starling Kite Terms and Conditions dated 10 February 2025 are applicable
Fixed Saver Terms and Conditions
Until 9 February 2025, the Fixed Saver Terms and Conditions dated 15 December 2022 are applicable
Click here for your terms until 9 February 2025
From 10 February 2025, the Starling Personal Fixed Saver Terms and Conditions dated 10 February 2025 are applicable
Additional Personal Current Account Schedule and Rates, Fees & Charges
Until 9 February 2025, the Additional GBP Personal Current Account Schedule dated 21 November 2022 is applicable
Click here for your terms until 9 February 2025
From 10 February 2025, the Additional Personal Current Account Schedule and Rates, Fees and Charges dated 10 February 2025 is applicable
Click here for your terms from 10 February 2025
Until 9 February 2025, the Rates, Fees and Charges for all GBP Personal and Joint Current Accounts dated 23 November 2023 is applicable
Click here for your Rates, Fees and Charges until 9 February 2025
From 10 February 2025, the Additional Personal Current Account Schedule and Rates, Fees and Charges dated 10 February 2025 is applicable
Click here for your Rates, Fees and Charges from 10 February 2025
Additional Joint Current Account Schedule and Rates, Fees & Charges
Until 9 February 2025, the Additional GBP Joint Current Account Schedule dated 3 August 2024 is applicable
Click here for your terms until 9 February 2025
From 10 February 2025: the Additional Joint Current Account Schedule and Rates, Fees and Charges dated 10 February 2025 is applicable
Click here for your terms from 10 February 2025
Until 9 February 2025, the Rates, Fees and Charges for all GBP Personal and Joint Current Accounts dated 23 November 2023 is applicable
Click here for your Rates, Fees and Charges until 9 February 2025
From 10 February 2025: the Additional Joint Current Account Schedule and Rates, Fees and Charges dated 10 February 2025 is applicable
Click here for your Rates, Fees and Charges from 10 February 2025
Business and Sole Trader Account Rates, Fees & Charges (for all business account customers)
Mobile App terms
Privacy notice
Starling Bank website
Digital wallets
General competition terms
Starling Bank Limited is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. Starling’s remuneration policy is aligned to the FCA and PRA’s Remuneration Code (per PRA requirement referenced SYSC 19D 3.13(R)) and complies with the 12 key principles outlined in that code. This means that the remuneration structure (which is reviewed annually) supports Starling’s business strategy and its long term interests, promotes effective risk management and has transparent governance.