Starling Bank
Starling Personal
Score
out of 5rubric 2026.1
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 2
Disclosure Links to providers on this page earn this site nothing. They go to the provider’s own site unmodified, with no tracking parameters. If that ever changes, this notice changes with it. Full disclosure.
Who this is for
The summary is editorial. The two lists beneath it are read from this product's verified attributes against the rest of its table, and change when a figure does.
No fee on card spending or cash abroad at Mastercard's rate, up to £300 a day from cash machines. The one account here besides Wise and Revolut to hold a second currency: a euro account is free to open and hold, with a flat 0.4% to move money between it and the sterling account.
Who this suits
Nothing in this product's verified data distinguishes it from the rest of this table.
Who it doesn’t
No verified figure in this table counts against this product. We don't manufacture a drawback to balance the page.
The score, taken apart
Every criterion, its published weight, what it earned and what that contributed.
| Criterion | Weight | Score | PointsContribution |
|---|---|---|---|
| FX cost on £1,500/mo spend | 45% | 5.00 | 2.25 |
| Currency coverage | 35% | 0.25 | 0.09 |
| Account fee | 20% | 5.00 | 1.00 |
| Total | 100% | 3.3 |
Standard tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.
Every stored figure
One row per attribute, each with the source it was read from and the date it was read. Every row has its own anchor, so a single figure can be linked to directly — for example /neobanks/starling#monthly-fee-gbp.
| Attribute | Value | |
|---|---|---|
| Monthly fee | Freestarlingbank.com | starlingbank.com |
| conversion feeWhat a provider adds to the mid-market exchange rate when it converts your money, quoted as a percentage or in basis points. It is separate from any monthly account fee, and it is usually the reason two accounts with identical headline pricing cost different amounts to use. | Nonestarlingbank.com | starlingbank.com |
| fee-free allowanceA monthly amount a provider converts at no charge before its conversion fee starts applying. An allowance makes a headline rate of nothing true only up to a threshold, which is why this site compares a defined spending scenario rather than a headline rate. | Nonestarlingbank.com | starlingbank.com |
| Currencies held | 2help.starlingbank.com | help.starlingbank.com |
| Free ATM withdrawals | Free, up to £300/daystarlingbank.com | starlingbank.com |
| Local account details | GBP, and EUR with its own IBAN in the free euro accountstarlingbank.com | starlingbank.com |
| Currencies with local account details | 2starlingbank.com | starlingbank.com |
Every figure above was checked against its source in Oct 2026. Figures are rechecked at least every 30 days; one past that is marked “Recheck due”.
Sources
Every figure checked in Oct 2026.
Monthly fee
Conversion fee · Fee-free FX allowance · Free ATM withdrawals
Currencies held
Local account details · Currencies with local account details
Use this record
The figures above are meant to be quoted and checked, not just read.
Cite this pageplain text or BibTeX
Plain text
Points Architect. "Starling Personal: verified product record." Rubric 2026.1. Verified Oct 2026. https://pointsarchitect.com/neobanks/starling
BibTeX
@misc{pointsarchitect-neobanks-starling,
title = {Starling Personal: verified product record},
author = {{Points Architect}},
year = {2026},
howpublished = {\url{https://pointsarchitect.com/neobanks/starling}},
note = {Verified Oct 2026; rubric 2026.1}
}Canonical URL https://pointsarchitect.com/neobanks/starling. Every row in the attribute table has its own anchor, so a single fee can be cited without citing the whole record.
Guides that use this record
Specific questions answered from the same verified figures.
Figures on this page are dated individually to the day each was checked against its source. Nothing here is an estimate, and the score is calculated from the attributes above rather than entered by hand. See methodology.