Starling Bank overdraft, fees and limits. Starling Bank is a mobile-only bank that’s based in the U.K. Download the app from your phone to apply for an account. By clicking ‘Accept all cookies’ you consent to the site using all essential and non-essential cookies. Our verdict: Starling. You can manage your cookie preferences at any time by clicking 'Manage cookies' at the bottom of any page in the footer. Starling pays a small interest rate on current account balances. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. Although, it is worth checking current rates. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. compensating balance The amount of money a bank requires a customer to maintain in a non-interest bearing account, in exchange for which the bank provides otherwise free services. Starling Bank is registered in England and Wales as Starling Bank Limited (No. Transferring money in the same currency as your Starling account is free. Some of the services offered by Starling Bank will be familiar to Revolut or Monzo users: 0% foreign exchange fees when you use your Starling Bank debit card outside the UK. Sterling using our prevailing exchange rate. From 18th May 2020, the rate will be 0.05% on all balances up to £85,000) Lock the debit card in app while you look – and then unlock when you find it Starling offers an arranged overdraft option. Depositing money into your Account through the Post Office Counter Service We will not charge you a fee to deposit money into your Account using the Post Office Counter Service. Hold currency locally If you deal mostly in USD, then do just that – without having to convert each transaction back into GBP, unless you want to. Weekend exchange rates are only applicable if you are making transfers between your personal/business account and euro/euro business account on the weekend. Secure and easy-to-setup, an account with this new ‘challenger’ bank Starling provides virtually all the services you’d expect from a traditional bank… The no fees mobile banking app worth packing. Great exchange rates. Revolut does markup their exchange rates for out of market hours too. Download the Starling Bank app from the Apple App Store or Google Play Store and follow the steps in-app to apply for an account in minutes.Alternatively, enter your mobile number in the box below and we’ll send you a text with a link to download the app. Your cookie preferences. If you do feel you need to add a layer of security, you can instantly lock your card within the app from the Card Management section, then unlock again when you’re ready to. Transfer fee & Currency exchange. All rights reserved. When you use your Starling card, you’ll receive a notification from us in pound sterling and the foreign currency of the country you’re in. They do not store personal information in itself, but are based on uniquely identifying your browser and device which could identify you if combined with other relevant data. Most recently updated Sterling Bank exchange rate other than US Dollar is Pound to Naira Sterling Bank rate … These cookies may be used by the cookie provider to build a profile of your interests and show you relevant advertisements on other sites. We use Mastercard’s exchange rate and don’t add anything on top. Weekend exchange rates are only applicable if you are making transfers between your personal/business account and euro/euro business account on the weekend. More than 18,500 reviews and is rated as 'Excellent ' money out of market hours too those extra special need! As currency markets don ’ t charge you for spending your money overseas ’. 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