Anyone tried Starling Bank?

Got my code yesterday and account was opened via my phone in 10 mins.

However there appears to be a major bug on their app - at least on iOS on my iphone 6. Only a maximum of five payment beneficiaries will be saved, if you try to add a sixth, then the sixth will replace the oldest beneficiary and so on. I've made Starling aware of this but surprised their testing team did not pick up on this.

Also be aware that smartphone is the ONLY way to make transactions on your account, no telephone or web browser access is provided. Whilst I know many of us are glued to our smartphones 24 hrs nowadays, it would be useful in an emergency if they provided access to automated tel banking at the very least. For this reason alone I won't be using them for my main day to day banking so will use them for overseas use only. However not sure if they can keep up the free overseas use long term, we all know what happened to such perks with Nationwide Flexaccount and more recenty N&P Gold current account.

Folks, i strongly recommend you don't use Starling Bank just yet for your day to day banking...its clear the product is still in Beta. This morning I tried to make a transfer online from my KBC bank account in Ireland to Starling and the payment failed despite providing the correct Starling IBAN and BIC. After speaking to KBC they said they its an issue with the Starling BIC and the problem is at Starling's end. I suspect this is the case as Starling can't even get the basic things right just yet, eg max of 5 payees stored in iOS app.

On the plus side, they've told me that any foreign currency payments received by them are converted at the mid-market exchange rate with zero fees...a first for a UK bank I believe. They are also in the process of setting up forex outgoing payments in conjunction with transferwise which again will be sent using mid-market exchange rates, albeit with a small fee. So at least the future looks promising once they have everything working.