Starling Bank Reviews

Here are the top 10 alternatives to Starling Bank:

1. Monzo: Known for its savings and interest rates. It offers international payments, fee-free overseas spending, and a round-up savings feature.
2. Revolut: Offers fee-free spending abroad, international money transfers, and budgeting tools.
3. Chase: Known for its cashback offers.
4. Zempler: Helps in improving your credit score.
5. Monese: Good for opening an account.
6. Curve: Known for connecting apps.
7. Wise: Best for international transfers and multiple foreign bank details.
8. Suits Me: Best for new arrivals and no credit-check requirements when applying.
9. N26: Offers a range of online financial services.
10. Atom Bank: A digital-only bank offering a range of related services.

Each of these alternatives offers unique features and benefits, so consider your banking needs when choosing.

To open an account on Starling Bank, follow these steps:

1. Download the Starling Bank app from Apple's App Store, Google's Play Store, or Huawei's app gallery.
2. Click on 'I'm new to Starling'.
3. Choose personal or business account and enter your phone number.
4. Verify your phone number with a code and enable notifications.
5. Choose face ID or passcode only and create a passcode and a password.
6. Enter your name, date of birth, email address, post code and house number.
7. Confirm your details and verify your identity with a photo ID and a video of yourself.
8. Answer some questions about your personal income and submit your application.

Once your account has been verified, you will receive a notification. It's that simple! Remember, the process might slightly vary if you are opening a business account. Make sure to check the eligibility requirements before applying. Enjoy your banking with Starling Bank!

To integrate Starling Bank's payment services, one must follow a process that involves simple, seamless, and secure integration through RESTful APIs. The integration allows access to Faster Payments and Bacs, with the ability to send and receive instant payments up to £1M and manage Direct Debits and Credits. The process is designed to be quick and efficient, with a setup time of 8-12 weeks and no upfront investment required. Webhooks are used for real-time notifications on account activity, ensuring transactions are processed in real-time. The service is scalable and PSD2-compliant, catering to a variety of entities including banks, fintechs, corporates, and the UK government. The integration is future-proof, protecting against industry and regulatory changes, and aims to accelerate the time to market.

Transactions with Starling Bank are secured through a combination of biometric identification, mandatory passcodes, and 3D Secure for online payments. The bank employs real-time notifications to keep customers informed about account activity. For added security, video identification is used during the account application process to verify identity and prevent fraud. Customers are required to set up a personal password for setting up payees and authorizing payments, and a government-issued identity document is needed for account verification. The bank also provides card controls in the app, allowing customers to freeze their card or set personalized spending limits. Moreover, Confirmation of Payee is utilized to ensure the accuracy of payment recipients, and virtual cards are offered to keep main card details private. Starling Bank's security measures are designed to protect against identity fraud and unauthorized access, providing a secure banking experience.

Starling Bank offers a variety of products and services. The award-winning banking service provides users with the ability to manage their money from their phone. Users can earn 3.25% AER (3.19% gross) variable interest on personal and joint current account balances, up to £5,000 per account. The bank also offers instant notifications whenever users spend or get paid, allowing them to track their spending habits.

The Bills Manager feature enables users to put bills on autopilot and pay them from a separate area of the app, providing a clear view of what's left over for day-to-day spending. The bank also offers Saving Spaces, separate pots within the app where users can set aside money for specific purposes like fuel, commuting, or shopping.

Starling Bank also offers a Fixed Saver account where users can earn 4.48% AER/gross interest. The Split the Bill feature allows users to quickly work out anyone's share of a payment and get paid back without swapping bank details.

The bank also offers virtual debit cards that can be assigned to budgets in the app, allowing users to spend directly from their Saving Spaces. The bank does not charge foreign transaction or withdrawal fees and does not mark up the exchange rate.

Starling Bank also offers 24/7 customer support and industry-leading app security, with money protected up to £85k by the FSCS. The bank uses codes, face and fingerprint recognition among other methods to keep user money safe.

In addition to these, Starling Bank offers banking services for investment platforms, merchant payments, international payments, treasury, and payouts. The bank provides indirect access to FPS real-time transactions and offers 100% API-based quick onboarding. The bank combines the security of a bank with the agility of a fintech, leveraging cutting-edge technology to access the Faster Payment rails.

Starling Bank also offers a full-service SaaS Banking platform that allows users to build and launch financial products. The platform powers Britain’s Best Current Account and offers a game-changing technology that helps banks, fintechs, and corporates unlock real-time payments through beautifully simple APIs.

Please note that this information is subject to change and it's always best to check the official website for the most up-to-date information.

Google Pay with Starling Bank is considered secure. When using Google Pay, the card number is not shared but instead a virtual account number is used to represent the account information, so the card details stay secure. Google Pay is compatible with most Android devices with NFC (Near Field Communication). It can be used to pay wherever the contactless or Google Pay logo is seen. To make most purchases, the phone must be unlocked. For certain small payments, unlocking the phone may not be necessary. When adding a card to Google Pay, it should be done on a device that only the user can use. To help protect during transactions, Google Pay encrypts all payments. If the phone is lost or stolen, the user can use Find My Device to instantly lock it. The user can also temporarily prevent unauthorized Google Pay transactions by blocking the Starling Bank card. Starling Bank offers a number of sophisticated security measures to protect the account, including biometric identification, 3D Secure, card controls in the app, including freezing and setting personalized spending limits, and real-time notifications for payments.