Starling Bank Personal banking fees, rates and charges Contents Personal accounts Personal overdrafts Sending money within the UK Sending money outside of the UK Receiving and depositing money Cash withdrawals Debit card payments Additional services Full details of fees, rates Personal accounts Personal current account Summary of fees, rates and charges No monthly fee. See full details of rates and charges associated with this account. Additional GBP personal current account Summary of fees, rates and charges Non-refundable £2 per month (paid in advance). We will deduct this fee on or around the first day of each month. Euro personal current account Summary of fees, rates and charges No monthly fee. See full details of rates and charges associated with this account. Please note there is a -0.5% AER on positive balances above €50,000 (i.e. interest is charged on the account). Starling Kite card Summary of fees, rates and charges Non-refundable £2 per month (paid in advance) per Kite Space and corresponding Kite card. We will deduct this fee on or around the first day of each month. Connected card Summary of fees, rates and charges We currently don’t charge for Connected cards. Back to the top Personal overdrafts Arranged overdraft (where we have agreed an overdraft facility with you in advance) Summary of fees, rates and charges We will charge interest at the specific interest rate confirmed and viewable to you in your app. We will not charge a fee for having an arranged overdraft with us. See full details of how and when we charge for overdrafts. Unarranged overdraft (where we have not agreed an overdraft facility with you in advance) Summary of fees, rates and charges We will not charge a fee for having an unarranged overdraft with us. Back to the top Sending money in the UK Sending money within the UK via Faster Payments, direct debits and standing orders Summary of fees, rates and charges No charge. Sending money within the UK via CHAPS Summary of fees, rates and charges £20 for each CHAPS payment you instruct us to make. Back to the top Sending money outside of the UK Sending money outside of the UK (third party accounts) Summary of fees, rates and charges We will use the exchange rate and charge you the fees shown within the international Payments page of the app: 0.4% transfer fee + local fees for each currency we support (see country fees). Plus £5.50 for a SWIFT payment. Please also note that your payee’s bank and other banks involved in processing the payment may charge additional fees for your payee to receive the payment. This means that the amount your payee receives may be less than the amount shown on the International Payments page in the app. We do not have any control over these additional charges. Currency transfers between your Starling accounts (e.g. GBP to EUR) Summary of fees, rates and charges We will use the exchange rate and charge you the fees shown within the international Payments page of the app: 0.4% transfer fee + local fees for each currency we support (see country fees). Back to the top Receiving and depositing money Receiving money into your account from the UK Summary of fees, rates and charges Free of charge to receive £ Sterling into your account. Receiving money into your account from outside the UK / other currencies Summary of fees, rates and charges At this stage we can only receive money into your account in £ Sterling or Euro. If you receive Euros into your £ Sterling denominated account we will apply the real exchange rate and add a 2% conversion fee. There is no charge for receiving Euros into your euro account, or receiving £ Sterling into your GBP denominated account. Depositing money into your Account through the Post Office counter service Summary of fees, rates and charges We will not charge you a fee to deposit money into your account using the Post Office counter service. Back to the top Cash withdrawals Cash withdrawal in £ Sterling in the UK Summary of fees, rates and charges We will not charge a fee for withdrawing £ Sterling from ATMs in the UK or using the Post Office counter service. Please note our cards do not work at Link cash machines. Cash withdrawal in foreign currency outside the UK Summary of fees, rates and charges We will not charge you a fee for withdrawing cash in foreign currency outside the UK. However, the Mastercard exchange rates will apply to any such withdrawal and you may also be charged a fee by the local ATM provider. Back to the top Debit card payments Debit card payment in £ Sterling Summary of fees, rates and charges We will not charge a fee for making a payment in £ Sterling, whether in a shop, online or over the phone. Debit card payment in a foreign currency Summary of fees, rates and charges We will not charge a fee for making a payment in a foreign currency. However, if you choose to make the payment in the foreign currency, the Mastercard exchange rates in force from time to time will apply: If you choose to make the payment in £ Sterling, the merchant will apply their own exchange rate and may apply their own fees. Back to the top Additional services Replacement debit cards within the UK Summary of fees, rates and charges We may charge you a fee of £5 for each replacement debit card and the replacement debit card will be delivered to the UK address we hold for you at the time. Replacement debit card overseas Summary of fees, rates and charges If you lose your card or it is stolen while you are overseas, we may charge you a fee of £60. Certifying documents Summary of fees, rates and charges We may charge you a fee of £20 for certifying documents relating to your account. Back to the top Do you have a business account with Starling? View our business fees, rates and charges. *EAR means Equivalent Annual Rate. This is a representative interest rate that shows what you would pay if you go into your overdraft facility and remain overdrawn for a year. Interest is accrued daily, charged monthly and it is all updated in your app and online banking. *AER means Annual Equivalent Rate. This is the rate of interest a saver will receive over a year assuming the credit balance is left in your account for the full year. Join Britain’s Best Bank Download the Starling Bank app and follow the simple on-screen steps to apply for an account in minutes. 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You may withdraw your consent at any time by following the unsubscribe link. See our Privacy Notice for how we process your personal data. Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. © Starling Bank 2021. All rights reserved. Help