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  • FIRST POST
    • sausage_time
    • By sausage_time 14th May 17, 9:43 AM
    • 235Posts
    • 82Thanks
    sausage_time
    Anyone tried Starling Bank?
    • #1
    • 14th May 17, 9:43 AM
    Anyone tried Starling Bank? 14th May 17 at 9:43 AM
    MoneySavingExpert.com Insert:

    Hi, if you're looking into app-based banking we have a fully researched guide that may help.

    App-based banking

    Back to the original thread...

    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)?
    Last edited by Former MSE Andrea; 09-01-2018 at 12:57 PM.
Page 19
    • wiseonesomeofthetime
    • By wiseonesomeofthetime 30th Jun 19, 6:23 PM
    • 192 Posts
    • 89 Thanks
    wiseonesomeofthetime

    I can't say when exactly I got my email. I just know it's more than 30 days ago, ...
    Originally posted by colsten
    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
    Last edited by wiseonesomeofthetime; 30-06-2019 at 6:24 PM. Reason: highlight area under discussion
    • glider3560
    • By glider3560 30th Jun 19, 6:28 PM
    • 3,874 Posts
    • 2,540 Thanks
    glider3560
    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
    Originally posted by wiseonesomeofthetime
    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
    • By N1ckS 6th Jul 19, 4:57 PM
    • 240 Posts
    • 174 Thanks
    N1ckS
    Does anyone know what happens to your Euro account if you make a current account switch to another bank?
    • Bobby_Bouche
    • By Bobby_Bouche 15th Oct 19, 8:25 PM
    • 33 Posts
    • 2 Thanks
    Bobby_Bouche
    Starling ..Just no!
    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
    • By ryan92 17th Oct 19, 4:54 PM
    • 502 Posts
    • 139 Thanks
    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
    LIGHTBULB MOMENT ;11th September 2019
    • Bobby_Bouche
    • By Bobby_Bouche 20th Oct 19, 2:12 PM
    • 33 Posts
    • 2 Thanks
    Bobby_Bouche
    Starling Woes
    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
    Originally posted by ryan92
    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
    • By eDicky 20th Oct 19, 8:48 PM
    • 4,963 Posts
    • 3,046 Thanks
    eDicky
    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.
    Originally posted by Bobby_Bouche
    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.
    Last edited by eDicky; 20-10-2019 at 8:50 PM.
    • penners324
    • By penners324 21st Oct 19, 12:22 PM
    • 148 Posts
    • 90 Thanks
    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
    • By Bobby_Bouche 9th Nov 19, 6:38 PM
    • 33 Posts
    • 2 Thanks
    Bobby_Bouche
    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.
    Originally posted by penners324
    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
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