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  • FIRST POST
    • sausage_time
    • By sausage_time 14th May 17, 9:43 AM
    • 74Posts
    • 16Thanks
    sausage_time
    Anyone tried Starling Bank?
    • #1
    • 14th May 17, 9:43 AM
    Anyone tried Starling Bank? 14th May 17 at 9:43 AM
    Headlines (for me) are 0.5% interest (.25% above £2000 from June 2017) and no card fees for international use.

    Any experience (positive or negative)?
Page 8
    • jamie_02
    • By jamie_02 23rd Sep 17, 4:40 PM
    • 89 Posts
    • 51 Thanks
    jamie_02
    You pay in cash through NatWest branches, but need to contact Customer Services for the reference.
    • d123
    • By d123 23rd Sep 17, 7:21 PM
    • 6,735 Posts
    • 4,299 Thanks
    d123
    You pay in cash through NatWest branches, but need to contact Customer Services for the reference.
    Originally posted by jamie_02
    ??

    The reference is your surname and account number...
    ====
    • Anthorn
    • By Anthorn 26th Sep 17, 8:59 PM
    • 3,263 Posts
    • 838 Thanks
    Anthorn
    ??

    The reference is your surname and account number...
    Originally posted by d123
    Well, actually
    Can I deposit cash?
    Get in touch with our Customer Service team directly from the app if you’d like to deposit cash in to your account.
    https://www.starlingbank.com/faq/
    • d123
    • By d123 27th Sep 17, 11:01 AM
    • 6,735 Posts
    • 4,299 Thanks
    d123
    Originally posted by Anthorn
    And you’ll get a message by reply that says:

    To deposit cash:
    1. Take the cash to a Natwest Branch and deliver it to a cashier.
    2. The cash must be paid into the Starling Bank Account.
    3. Starling Bank Account Number: 48588725 , Starling Bank Sort Code: 600001.
    4. The reference is your surname and your personal Starling Bank 8 digit account number. e.g BLOGGS + 82654321 .
    5. It's always good to keep the receipt.

    Please feel free to let us know if we can be of any more help.
    So, your point is?
    ====
    • Anthorn
    • By Anthorn 8th Oct 17, 12:42 PM
    • 3,263 Posts
    • 838 Thanks
    Anthorn
    They search CallCredit.
    Originally posted by wizzywig27
    I confirm that Starling only searched Call Credit. According to Noddle in my case they did four searches only one of which was a full credit search:

    Starling Bank Limited (Ar, Cr, Cval,Sa)
    Starling Bank Limited (Cr Bsb Api)
    Checking Credit Application
    06/09/2017

    Starling Bank Limited (Ar, Cr, Cval,Sa)
    Starling Bank Limited (Ar Api)
    Administration Review
    04/09/2017

    Starling Bank Limited (Ar, Cr, Cval,Sa)
    Starling Bank Limited (Cr Bsb Api)
    Quotation Search
    04/09/2017

    Starling Bank Limited (Ar, Cr, Cval,Sa)
    Starling Bank Limited (Cval Ml)
    Anti-Money Laundering
    04/09/2017
    Also noted is that a pass code is now not required to open an account and Starling will now provide business accounts from 2018. Check out their Facebook page.
    https://www.facebook.com/starlingbank/
    • Edi81
    • By Edi81 8th Oct 17, 4:00 PM
    • 325 Posts
    • 200 Thanks
    Edi81
    I've been really impressed with them.

    Recently used the card whilst abroad on holiday and got a notification straightaway that I had used my card including the GBP cost.

    My only bugbear is that it doesn't keep the reference on payments which makes it annoying to make a quick payment to my credit card or mortgage overpayment.
    • lessavyfav
    • By lessavyfav 10th Oct 17, 10:58 PM
    • 178 Posts
    • 215 Thanks
    lessavyfav
    Did anyone update their app today? There's a new section where you can create savings pots (essentially ringfence your money) for whatever you like, you add a name of the goal, a photo, target amount, etc.

    I found the experience could be a bit better but am hoping they'll improve it as time goes on. But have to say i love having a bank app that also helps with budgeting and motivating me to set money aside!
    0% Balance Transfer (ends May 2018) £214.94/£2524.94 (84.95% there)
    Giant London-sized mortgage (started July 2017) £492973.87/£499,00.00 Current LTV 87%
    Overpayments £1600
    S&S ISA £955.48
    Regular Saver (started August 2017) £1600
    • Anthorn
    • By Anthorn 12th Oct 17, 11:39 AM
    • 3,263 Posts
    • 838 Thanks
    Anthorn
    Did anyone update their app today? There's a new section where you can create savings pots (essentially ringfence your money) for whatever you like, you add a name of the goal, a photo, target amount, etc.

    I found the experience could be a bit better but am hoping they'll improve it as time goes on. But have to say i love having a bank app that also helps with budgeting and motivating me to set money aside!
    Originally posted by lessavyfav
    The new section on iOS 11, iPhone is "Goals". Not a separate account but a separate section of the existing current account. Make one-off contributions or set up a regular contribution. Money in the "Goals" section earns interest at the same rate as the current account - 0.5% on a balance up to £2,000 and 0.25% on balances above £2,000. A better deal could be obtained elsewhere.

    Moreover, the money in "Goals" is not available for outgoing payments or repayment of overdrafts and there is no sweep function. So you're still stuck with having to move money in order to make payments or avoid going overdrawn. I would also anticipate that in the event of an unpaid debt to the bank then the money in "Goals" would be taken to repay it. Therefore off-setting and not really ring-fencing.

    Also noted that in the app, settings is moved from bottom right to a cog wheel icon top right on the home screen.

    Overall, a new take on the older linked savings account which doesn't really cut it in the interest earning stakes.
    Last edited by Anthorn; 12-10-2017 at 12:08 PM. Reason: Adjustment of details in the interests of accuracy
    • johnac
    • By johnac 16th Oct 17, 7:55 PM
    • 41 Posts
    • 23 Thanks
    johnac
    Impressed with customer service
    I had a problem with an M&S cash machine today, it didn’t dispense the tenner but £10 was deducted from my account.

    Sent Starling a message through the app, they responded with 5 minutes saying they’d sort it. Money was back in the account a couple of hours later and just received a follow up message to confirm all sorted.

    Really impressed, no messing have to wait on the phone, no chasing up, no quibbling.

    I suppose it says something about the industry that I’m impressed they responded quickly and solved the issue first time rather than that just being a basic you’d expect..

    Very pleased with Starling account thus far.
    • runnerkaz
    • By runnerkaz 26th Oct 17, 6:23 AM
    • 6 Posts
    • 0 Thanks
    runnerkaz
    I'm trying to open an account but the app has been on "checking your details" for a week now. Is that normal?
    • meer53
    • By meer53 26th Oct 17, 8:17 AM
    • 8,981 Posts
    • 13,046 Thanks
    meer53
    I'm trying to open an account but the app has been on "checking your details" for a week now. Is that normal?
    Originally posted by runnerkaz
    No it's not normal. My account was opened within 5 minutes of applying. Contact them.
    • runnerkaz
    • By runnerkaz 26th Oct 17, 8:30 AM
    • 6 Posts
    • 0 Thanks
    runnerkaz
    I got a verification code immediately but have remembered that I didn't upload my ID till the weekend so It's realistically only been since Monday that they would have had everything. It maybe that they're busy with applications at the mo
    • 611
    • By 611 26th Oct 17, 2:30 PM
    • 191 Posts
    • 92 Thanks
    611
    Has anyone asked Starling to increase their overdraft limit? I was only offered a £500 limit when I applied and I have now asked them to increase this. I've been using it as my main account for 3 months now so they can see I have a regular income etc.
    • 1005922
    • By 1005922 5th Nov 17, 2:37 PM
    • 91 Posts
    • 191 Thanks
    1005922
    I attempted to but given I don't have photo ID it was a big fat nope we can't set up your account then and will close down what we have already started doing
    • Anthorn
    • By Anthorn 7th Nov 17, 11:43 AM
    • 3,263 Posts
    • 838 Thanks
    Anthorn
    Has anyone asked Starling to increase their overdraft limit? I was only offered a £500 limit when I applied and I have now asked them to increase this. I've been using it as my main account for 3 months now so they can see I have a regular income etc.
    Originally posted by 611
    As I understand it, Starling Bank provide an overdraft which they think you should have following a full credit check usually on account opening. As far as I can see there is no facility to review the overdraft limit.

    However I admit to not understanding how the overdraft works: My understanding of an overdraft is that I can overdraw up to the limit and it's a short term loan. However the Starling bank app allows for the overdraft limit to be changed to what I need up to the limit they have given me. That's beyond my understanding. For example if I reduce the amount of overdraft I need to nil then in that case I don't have an overdraft facility? Currently the slider in my overdraft section is set at the maximum limit.

    Go ahead and take a look at the blurb:
    https://www.starlingbank.com/current-account/overdraft/
    • 611
    • By 611 10th Nov 17, 10:56 AM
    • 191 Posts
    • 92 Thanks
    611
    As I understand it, Starling Bank provide an overdraft which they think you should have following a full credit check usually on account opening. As far as I can see there is no facility to review the overdraft limit.

    However I admit to not understanding how the overdraft works: My understanding of an overdraft is that I can overdraw up to the limit and it's a short term loan. However the Starling bank app allows for the overdraft limit to be changed to what I need up to the limit they have given me. That's beyond my understanding. For example if I reduce the amount of overdraft I need to nil then in that case I don't have an overdraft facility? Currently the slider in my overdraft section is set at the maximum limit.

    Go ahead and take a look at the blurb:
    https://www.starlingbank.com/current-account/overdraft/
    Originally posted by Anthorn
    I contacted customer service and they increased my limit from £500 to £800. Still quite low considering others have been given £5k and it took them over a week to do it.

    You're right, there is no facility in the app to apply for a bigger credit limit but I do like the slider that allows you to change your overdraft within your existing limit.
    • Anthorn
    • By Anthorn 14th Nov 17, 2:31 PM
    • 3,263 Posts
    • 838 Thanks
    Anthorn
    You're right, there is no facility in the app to apply for a bigger credit limit but I do like the slider that allows you to change your overdraft within your existing limit.
    Originally posted by 611
    There again I don't see the point of it: The one and only advantage I can see is where a fraudulent transaction would take you into overdraft. I suppose it could also be useful for planning an overdraft but personally I would prefer a debit to be paid rather than bounce because I have imposed a limit. Overall the slider comes across to me as a useless gimmick.
    • Kendall80
    • By Kendall80 16th Nov 17, 12:28 AM
    • 824 Posts
    • 533 Thanks
    Kendall80
    I attempted to but given I don't have photo ID it was a big fat nope we can't set up your account then and will close down what we have already started doing
    Originally posted by 1005922

    I tried setting up a Starling account prior to a european holiday. I couldnt get past the short video clip stage. My phone just wouldnt record it. Called them - nothing they could do. So I opted for Halifax's clarity CC instead.
    • d123
    • By d123 16th Nov 17, 9:42 AM
    • 6,735 Posts
    • 4,299 Thanks
    d123
    I tried setting up a Starling account prior to a european holiday. I couldnt get past the short video clip stage. My phone just wouldnt record it. Called them - nothing they could do. So I opted for Halifax's clarity CC instead.
    Originally posted by Kendall80
    You have a smartphone that doesn’t record video?

    Couldn’t you have applied for the account by borrowing a better phone from a friend or family?
    ====
    • meer53
    • By meer53 16th Nov 17, 10:17 AM
    • 8,981 Posts
    • 13,046 Thanks
    meer53
    There again I don't see the point of it: The one and only advantage I can see is where a fraudulent transaction would take you into overdraft. I suppose it could also be useful for planning an overdraft but personally I would prefer a debit to be paid rather than bounce because I have imposed a limit. Overall the slider comes across to me as a useless gimmick.
    Originally posted by Anthorn
    I think it's a great feature. If you're close to your limit close to payday, it's simple to borrow using it without committing to a permanent increase and having to call your bank to arrange it. I reduced my overdraft to nil with them as they offered way more than i would ever need, but i know that if i needed it, it's there.
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