Anyone tried Starling Bank?

glider3560

wiseonesomeofthetime wrote: »

I received mine on 12/06/2019.

Subject header: We've updated our T&Cs

Hello,

We’ve made some changes to your account’s terms and conditions. Most of them are just clarifications, but there are a few important new changes, too – and they all take effect from the 1st of September 2019. Here’s a quick overview...
We’ve clarified how money is held within your Goals, and that you’re responsible for transfers to and from the main part of your account.
For Personal Current Account and Joint Current Account customers, we’ve clarified the limits for making payments from your account, which are detailed in the account schedule for your account.
If you’ve been in dispute with your fellow joint account holder for more than 90 days, we may now close the account with two months’ notice and distribute the funds between you equally (unless we’ve had written instructions from you both).
When you transfer between a EUR and a GBP account, we’ll add a fee, which will be displayed clearly on the payment screen in your app. However, it’s still completely free to send and receive euro payments.
Think you might have been the victim of fraud? We might ask you for more information to help us assess the loss and work out what’s happened.
Want the full details? Visit the ‘Legal Documentation’ section of our website to see the changes and read our T&Cs in full.

If you’re happy with the new terms, great – you don’t need to do anything else. If you’re not, please let us know as soon as possible – and definitely before the 1st September 2019 – so we can close your account for you.

Team Starling

Thank you for posting this. I definitely did not receive that email (and have checked again, since I only archive, not delete my emails).

N1ckS

Does anyone know what happens to your Euro account if you make a current account switch to another bank?

Bobby_Bouche

Initially very happy with this bank. I used it in Vietnam and as a main bank now back in the UK.
My son is on a scholorship to the states and we got him one for the low withdrawl fees.

All good for 3 weeks but then as friends and family send him the money they have frozen the account for the last 2 days.:(
We pay his fees with this account to the Uni in the states.
They are just being ridiculous. I worked for a dutch bank for 5 years up until 2012 and know a few little things.

I am going to make a formal complaint and take it as far as I can.
Leaving my lad in the states with no way to access his funds is not on!

Avoid!

ryan92

When was the account opened and how much usage was their in the UK?
It might be flagging up that the majority of the use has been in the states and not the UK

Bobby_Bouche

ryan92 wrote: »

When was the account opened and how much usage was their in the UK?
It might be flagging up that the majority of the use has been in the states and not the UK

Money is sent from UK accounts to his Starling UK account.
They have since lifted the block and sent him an email saying on he can use the account.
The reply was out of the context of the actual issue and nobody else uses his account.

At least it's no longer blocked I guess!

Most transactions are in Texas for small amounts under£10. Twice a year University fees are paid.
I might have to look at other sources as I cannot have him out there with no money again.

eDicky

Bobby_Bouche wrote: »

Money is sent from UK accounts to his Starling UK account.
They have since lifted the block and sent him an email saying on he can use the account.
The reply was out of the context of the actual issue and nobody else uses his account.

At least it's no longer blocked I guess!

Most transactions are in Texas for small amounts under£10. Twice a year University fees are paid.
I might have to look at other sources as I cannot have him out there with no money again.

It can happen with any bank account or card, as well as the occasional decline for obscure reasons or actual loss of card. Therefore it's most foolhardy to rely on any single card when abroad or traveling, especially for an extended period.

There are plenty of options for useful fee-free cards, personally I travel with five or six so that I never have to desperately phone to unblock or replace a card, just use another and sort it later.

penners324

So he account is receiving random amounts from random people and being used for small random purchases abroad.
All these transactions are big fraud usage flags.
I say they've done the right thing in requesting more information about the usage of the account.

Bobby_Bouche

penners324 wrote: »

So he account is receiving random amounts from random people and being used for small random purchases abroad.
All these transactions are big fraud usage flags.
I say they've done the right thing in requesting more information about the usage of the account.

I worked in a bank for 5 years so I agree sometimes more info is needed.
That being said if family members are sending £10 - £35 on average and not too often I really struggled to understand their account stop.

We supplied the information and nothing really happened.
I then went to make an official complaint and the account was unlocked.

Totally agree with banking checks but for some small amounts, it made Zero sense. This is especially the case when he paid his college fees of over £3500 whilst in Texas and nobody seemed to check that