Making cash deposits even easier

Britain may well be on its way to becoming a cashless society - cash transactions have slipped to 17% of all payments in 2020. But sometimes many of us need to deposit cash. That’s why Starling partnered with the Post Office, where customers can pay in or withdraw cash at any one of 11,500 branches. To make it even easier, we’ve created a Post Office finder to help you locate your nearest branch.

Simply add your postcode and we’ll pull up a map with the nearest options for you. You can then link out to Google Maps and see the directions, distance and how long it will take you to get there based on your current location.

We’ve found that cash deposits are particularly popular with our business customers. Kecia McDougall, 55, founder of Tayport Distillery says: “Time is of the essence and the ability to use my local Post Office for my banking is a huge help.”

With cash still an important part of many people’s lives, the Post Office counter service offers our customers valuable support. But don’t forget, you can always withdraw cash at bank ATMs right across the country, as well as abroad.

Depositing cash

To deposit cash at the Post Office, all you need is your card and of course the cash. It usually only takes minutes and you’ll receive a notification from us when it clears.

If you have a Starling personal account or joint account, then you’ll have an individual cash deposit limit, which you can check by messaging us in the app. It’s worth noting that individual Post Office branches may have their own limits for individual transactions, so it’s best to check with them. The Post Office itself has a limit of no more than £250 in coins for each transaction.

Personal and joint customers can deposit £1,000 each calendar year free of charge at the Post Office. For all deposits greater than this, we will charge you a fee of 0.7% of the amount over £1,000 that you deposit. For business customers and sole traders, there’s a 0.7% charge on each cash deposit, with a minimum charge of £3.

Withdrawing cash

For all customers, there’s a daily limit of £300 on cash withdrawals and it’s free for personal and joint account holders.

For business customers and sole traders there’s a 50p charge for the over the counter withdrawal service, but you can also use Post Office ATMs, which won’t charge you.

If you want to check how much you’ve deposited through the Post Office so far this year, open your Starling app and swipe up to bring up your transaction history. Then simply search for “Post Office Banking Services”.

Updated 4 March 2022