Starling Bank - Get £25 free for signing up 💸
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Free Money — Free Money — Starling Bank
Starling Bank is a UK digital bank offering a free current account, debit card and mobile banking app. New customers can earn £25 free when signing up through the refer-a-friend scheme and making a simple purchase from their new account.
To claim the £25 bonus:
Open and complete setup of your new Starling personal current account (making sure to add a valid referral code when signing up).
Make one payment from your account within 30 days. There is no minimum spend, so even a small purchase such as something cost 10p will qualify.
You will receive £25. The reward is usually added to your account within 7 days.
The £25 reward is added to a Starling “Space” in your account, but you can move it to your main balance and withdraw it immediately.
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FAQ’s
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Starling Bank is a UK-based digital-only bank that operates entirely through a mobile app. It offers:
Current accounts (personal, joint, business)
Savings accounts
Overdrafts and loans
Budgeting tools and spending insights
It’s a fully licensed UK bank, meaning deposits are protected up to £85,000 under the FSCS.
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It depends on what you value—both are very similar “challenger banks.”
Starling may be better if you want:
Lower overdraft rates (from ~15% APR)
A completely free account (no paid tiers)
Better cash handling (free Post Office deposits)
Monzo may be better if you want:
More advanced budgeting tools and app features
Optional paid accounts with perks (travel insurance, etc.)
In short:
Starling = simpler, cheaper banking
Monzo = more features and flexibility
Both are highly rated and regulated, so neither is objectively “better”—it depends on your needs.
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No — Starling Bank is NOT owned by Lloyds.
It’s an independent bank, founded in 2014.
It does not have a traditional high street parent company.
This is different from some digital banks that are owned by bigger groups.
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It’s fairly easy to apply, but not guaranteed to be approved.
You can apply directly in the app in seconds.
Approval depends on:
Your credit score
Income and financial history
Overdraft limits can go up to around £5,000
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Yes, Starling has recently set up a refer a friend offer.
Right now, you can each earn £25 when you sign up and make a payment of any amount.
Have a referral link to share? Share it on our sister site here.
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You can contact Starling Bank in several ways:
In-app (recommended):
Live chat via the mobile app (fastest option)
Phone:
020 7930 4450 (24/7 support)
Email:
help@starlingbank.com
Address:
London Fruit and Wool Exchange
1 Duval Square, London, E1 6PW
Support is available 24/7 via app, phone, and email.
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Yes — Starling Bank is fully legitimate and regulated in the UK.
Authorised by the Financial Conduct Authority.
FSCS protection up to £85,000.
Strong customer satisfaction ratings.
It’s considered one of the top digital banks in the UK.
