Starling Bank has the most comprehensive free current account in the UK — and unlike Monzo or Revolut, it charges nothing for the features that matter most. Here's our full 2026 review. Which? Recommended 2026

Starling Bank — Key Facts 2026

Starling Savings Spaces — How They Work

Starling Spaces are savings sub-accounts within your Starling current account. You can create multiple Spaces for different goals (holiday, emergency fund, new car etc.). Interest is paid on money held in Spaces — the rate tracks the Bank of England base rate and changes when BoE makes decisions. With the base rate at 3.75% in April 2026, Starling Spaces are paying a competitive rate — check the Starling app for the exact current figure. You can set up automatic round-ups (spare change from purchases is swept into a Space), scheduled transfers, and savings goals.

Starling Business Account — Why It Leads

Source: Starling vs Monzo vs Revolut business account comparison (anna.money); kaeltripton.com Starling Bank review 2026. Starling's free business account is exceptional value — saving sole traders and freelancers up to £108/year vs Monzo Pro, while offering more features.

Starling's Weaknesses

No investment products: Starling does not offer crypto, stock trading or any investment products. Revolut and Monzo (via Monzo Max) offer some investment options. Less visually engaging app: Starling's app is efficient and well-designed but lacks the visual flair of Monzo's app. More functional than fun. No paid premium personal account: Starling offers no premium tier — if you want insurance, travel benefits or premium perks, you'll need to go elsewhere or use a traditional bank. International transfers: While free, Starling's international transfer speeds and currency options are more limited than Revolut, which specialises in this area.

Who Should Use Starling?

Starling is the best choice for: sole traders and small businesses who need the UK's best free business bank account; people who want a complete, reliable free current account with no paid tiers; those who handle cash or cheques (Starling is the only major digital bank that accommodates both); anyone who values 24/7 phone support as standard; and those wanting a main bank account that covers every everyday banking need without paying a monthly fee.

This article is for informational purposes only. Savings rates change frequently — always check current rates before opening an account. All institutions mentioned are FCA-regulated. FSCS protection £120,000 per person per institution from December 2025. Figures verified April 2026.