{"app_store_id":956806430,"slug":"starling-mobile-banking-956806430","name":"Starling - Mobile Banking","subtitle":null,"icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/68/03/54/6803542b-d5da-b38e-ad9e-275076e765b4/AppIcon-0-0-1x_U007epad-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/starling-mobile-banking/id956806430?uo=4","price":0,"currency":"USD","rating":4.86662,"rating_count":2789,"in_app_purchases":null,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-10-19T13:54:24Z","updated_at":"2026-10-20T16:26:12.982Z","stale":false,"missing_since":null,"one_liner":"UK mobile bank app offering personal, business and joint accounts, budgeting tools and no overseas card fees.","verified_maker":false,"maker_site":null,"file_size_bytes":554753024,"minimum_os":"15.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/68/5c/2d/685c2da5-12b3-a631-7daf-683c7db074d4/iPhone-5.5-1242x2208-2025-01.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/cf/dd/60/cfdd60c8-abf6-fa1f-03a4-6edddc50c98a/iPhone-5.5-1242x2208-2025-02.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/59/05/7f/59057fe2-5ef1-b123-1185-150117d87903/iPhone-5.5-1242x2208-2025-03.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/eb/35/15/eb351502-f92d-9d61-bfb0-cc0a1274aa66/iPhone-5.5-1242x2208-2025-04.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f4/fa/34/f4fa34d6-b5db-a14a-91d2-b2b0d24cd753/iPhone-5.5-1242x2208-2025-05.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/b4/4e/0b/b44e0beb-79fe-5554-6d83-f8e8a2de7d1c/iPhone-5.5-1242x2208-2025-06.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/ff/a2/1c/ffa21cec-482b-2b93-56ed-b9cdcef82fc8/iPhone-5.5-1242x2208-2025-07.png/392x696bb.png"],"developer_name":"STARLING BANK LIMITED","editors_choice":null,"url":"https://apptierlist.com/apps/starling-mobile-banking-956806430/","api_url":"https://apptierlist.com/api/v1/apps/starling-mobile-banking-956806430","schema_version":"1.0","generated_at":"2026-10-20T20:36:52.459Z","data_as_of":"2026-10-20T20:21:12.867Z","description":"Our personal, business and joint accounts make managing your money as seamless, simple and satisfying as it should be in 2026. It's why we're the Which? Recommended Provider for a seventh year in a row.\n\nApply for a bank account online in minutes - for free - from your phone, and join the millions who have already discovered the better way to bank.\n\nWhat's in it for you?\n\nNo overseas fees\n\n• We won't charge you a penny for using your card abroad, or for withdrawing cash at an ATM.\n• We'll give you the Mastercard exchange rate, and won't add anything on top.\n• Get notifications in the local currency, and in GBP.\n\nBetter budgeting\n\n• Use Spaces to set money aside in a virtual change jar. Personalise with pictures, set a target, and track your progress.\n• Get instant payment notifications and track your balance in real-time\n• Learn where your money goes, and how to make savings, with Spending Insights\n• Use Bills Manager to set aside money for your bills. It means your main balance will only show you what's actually available for day-to-day spending.\n• Save on autopilot - automatically round up payments to the nearest pound and put away the spare change.\n\nPay and get paid seamlessly\n\n• Owed money? Send a simple link to get paid back.\n• Enjoy easy international transfers to 34 countries from your app – no hidden fees or exchange rate markups\n• Pay people instantly in-app – no fiddly card reader needed\n• Deposit cheques digitally from your phone and pay in cash at the Post Office.\n\nKeep your money safe\n\n• Your money is covered up to £120,000 by the Financial Services Compensation Scheme\n• With 24/7 in-app support from real humans in the UK, we're always here to help\n• Lock your card in-app and turn settings on and off, such as contactless, online, gambling and swipe payments\n\nBusiness banking\n\nNo monthly fees. Get mobile and web banking access, 24/7 support and simplified accounting. Deposit cash at the Post Office from as little as £3, and deposit cheques in-app by taking a photo. Automate your expenses, ring-fence money for bills, keep track of invoices with instant payment notifications and spot where your business is spending with smart analytics. Voted Most Innovative Business Bank at RFI UK Banking & Finance Awards 2026.\n\nThe joint bank account\n\nManage collective household expenses or set aside money together; our joint account simplifies shared spending. Get instant payment notifications, track your spending with Insights, budget together and make important payments from one account.\n\nBanking for the whole family, all in one app\n\nUnder 16s is our free debit card and app for 6-15 year olds. It's built seamlessly into the adult's Starling account (personal or joint) for better visibility and control.\n\n\nStarling Bank Limited (trading as Starling) is registered in England and Wales (No. 09092149), 5th Floor London Fruit And Wool Exchange, 1 Duval Square, London, United Kingdom, E1 6PW. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.","facts":{"developer_id":956806429,"developer_url":"https://www.starlingbank.com","first_released":"2019-02-21T18:13:39Z","support_url":null,"privacy_url":null,"website_url":null,"app_version":"4.72.0","release_notes":"When you set up a Under 16s Space, your child gets their own debit card. They’ll get notifications when they spend money, and they can use the Under 16s app to check their spending and view their balance. You always stay in control, as their Under 16s Space is linked to your account. To set up a Under 16s Space, go to ‘Spaces’.","rating_current_version":4.86662,"rating_count_current_version":2789,"star_counts":null,"genres":["Finance","Lifestyle"],"languages":["EN"],"content_advisories":null,"device_families":null,"chart":null},"freshness":{"apple_read_at":"2026-10-20T16:26:12.982Z","catalog_read_at":null,"reviews_checked_at":null,"summary_written_at":"2026-10-20T08:25:11.613Z","placed_at":"2026-10-19T05:56:11.704Z","scored_at":"2026-10-20T20:21:12.867Z"},"editorial":{"one_liner":"UK mobile bank app offering personal, business and joint accounts, budgeting tools and no overseas card fees.","what_is":"Starling is a UK mobile banking app from Starling Bank Limited, offering personal, business and joint accounts that can be applied for in the app. It includes budgeting tools such as Spaces, Bills Manager and Spending Insights, along with payments, international transfers to 34 countries and a free debit card for children aged 6 to 15 through Under 16s.","good_for":["Using a card abroad without overseas fees","Setting aside money for bills or savings goals","Running a business account with no monthly fees"],"pricing":"Starling - Mobile Banking is free to download on the App Store.","faq":[{"q":"Is the app free to use?","a":"The app is free to download. The listing does not state any in-app purchases. It says there are no overseas card or ATM withdrawal fees and no monthly fees for business banking."},{"q":"Can I open an account from my phone?","a":"You can apply for a bank account online in minutes, for free, from your phone. It also states that money is covered up to £120,000 by the Financial Services Compensation Scheme."},{"q":"Does the app support joint accounts and children?","a":"Yes. The listing describes a joint account for shared household spending and a free debit card and app for children aged 6 to 15 under Under 16s, which is linked to an adult's personal or joint account."}],"model":"claude-haiku-5-5","created_at":"2026-10-20T08:25:11.613Z"},"memberships":[{"list":"banking","list_name":"banking","list_status":"active","list_url":"https://apptierlist.com/best/banking/","position":18,"tier":"A","score":89.7,"components":{"rating":97.5,"votes":98,"rank":63.2,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-19T05:56:11.704Z"}],"main_list":"banking","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":178961,"at":"2026-10-20T00:39:11.537Z","kind":"tier_changed","list":"banking","app_store_id":956806430,"app":"starling-mobile-banking-956806430","from":null,"to":"A","reason":"score 67.9 to 89.7","job":"rescore"},{"id":170458,"at":"2026-10-19T05:56:11.704Z","kind":"membership_added","list":"banking","app_store_id":956806430,"app":"starling-mobile-banking-956806430","from":null,"to":"active","reason":"Mobile banking app with personal, business and joint accounts, opened online and managed from the phone.","job":"shadow"},{"id":165676,"at":"2026-10-19T02:00:12.044Z","kind":"app_added","list":null,"app_store_id":956806430,"app":"starling-mobile-banking-956806430","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"banking","list_name":"banking","status":"active","review_status":"checked","position":18,"tier":"A","score":89.7,"components":{"rating":97.5,"votes":98,"rank":63.2,"recency":100},"ranks":[{"country":"gb","rank":2},{"country":"au","rank":18},{"country":"ca","rank":47}],"verdicts":[{"verdict":"keep","reason":"Mobile banking app with personal, business and joint accounts, opened online and managed from the phone.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-19T05:56:11.704Z","attempts":1,"current":true},{"verdict":"keep","reason":"Starling is a full digital bank offering personal, business and joint accounts with cards, payments and balance tracking. It is a direct alternative to the mobile banking apps already in the list.","verifier":"list check","decided_at":"2026-10-19T05:56:11.704Z","attempts":1,"current":true}]}]},"data_version":39206,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/starling-mobile-banking-956806430/"}}