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Anyone tried Starling Bank?
Comments
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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 mo0
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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.0
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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 doing0
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[Deleted User] wrote: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.
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/0 -
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/
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.0 -
[Deleted User] wrote: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.
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.0 -
[Deleted User] wrote: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
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.0 -
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.
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?====0 -
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.
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.0 -
Integration with loyalty apps such as Yoyo Wallet and Flux allows rich data to flow between the bank and (via the app) the retailer, enabling a far richer experience for all three (retailer, customer and bank). This is the first example that I am aware of that demonstrates the possibilities flowing from PSD2.0
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