How to Open a Starling Account in the UK (2025) — Step-by-step
Starling is a full-featured mobile bank with FSCS protection, intuitive budgeting, and no monthly fees — a reliable option for migrants who want a trusted UK account.
This guide explains Starling’s signup flow, required documents, FSCS protection, how to receive and activate your debit card, and quick fixes for common issues. It’s written for migrants in 2025.
Want help preparing documents or proof-of-address? View Resinaro Services →
Quick checklist (before you start)
- Valid passport or Biometric Residence Permit (BRP)
- UK mobile number for SMS verification
- Proof of UK address (if requested)
- Good quality selfie or selfie video for liveness
- Starling app installed (App Store / Google Play)
Step-by-step
- Download the Starling app — from App Store or Google Play.
- Start registration with your email and UK mobile number. Confirm the SMS code.
- Identity check — upload a clear photo of your passport or BRP and follow the in-app selfie/liveness steps.
- Address verification — upload proof if requested (see list below). Starling may accept digital documents.
- Receive card & account details — you’ll get UK sort code & account number and a physical debit card by post.
- Activate & use — activate your card in-app and set up direct debits or payroll with the provided account details.
Proof of address — typical documents
If Starling requests proof of address, try documents dated within the last 3 months unless they specify otherwise:
- Recent bank statement showing name & postcode
- Council tax bill
- Utility bill (electricity, gas, water)
- Tenancy agreement or rent confirmation
- Official letters from HMRC or DWP
If you don’t yet have a UK address, follow the in-app support flow — Starling sometimes provides alternatives for new arrivals.
Starling vs Monzo vs Revolut vs Traditional banks
| Feature | Starling | Monzo | Revolut | Traditional Bank |
|---|---|---|---|---|
| FSCS protection | Yes (eligible deposits) | Yes (eligible deposits) | Varies by product | Yes |
| App & features | Strong (business & personal tools) | Excellent budgeting tools | Great for multi-currency | Feature set varies |
| Account setup speed | Fast | Fast | Very fast | Slower |
| Business accounts | Yes (full business features) | Limited / available | Business options | Available |
| Best for | Everyday & business banking | Everyday & budgeting | International payments | Full-service customers |
Common issues (and fixes)
- ID check failed → Retry in natural light, ensure document edges are visible and there’s no glare. Try a backup document if available.
- Card not delivered → Verify your address in-app and contact Starling support with delivery details.
- Address proof rejected → Upload a different document and ensure name & address are clear and dated.
- Can’t receive payroll → Double-check the sort code/account number in the app and give the exact details to your employer.
Useful links
- Starling Bank (official): starlingbank.com
- Monzo: monzo.com
- Revolut: revolut.com
FAQs
Is Starling safe to use?
Yes — Starling is regulated in the UK and eligible deposits are protected by FSCS for qualifying products. For full details, see Starling’s help pages.
Can I open a business account with Starling?
Starling offers business accounts with additional features—check Starling’s business product pages for eligibility and documents.
How long does verification take?
Many checks finish in minutes, but manual reviews or address verification can add a few days. Contact support via the app if it takes longer than expected.
Optional banking starter kit for migrants in the UK
You don't need special tools to open Monzo, but a few simple accessories make UK banking and paperwork much less stressful. These items are useful for any bank or consulate appointment – not just Monzo – and help you keep cards, letters and ID checks under control.
As an Amazon Associate, Resinaro earns from qualifying purchases. This does not change the price you pay.
Slim RFID card holder
Best for: Keeping your UK debit cards together and easy to reach.
- Helps keep Monzo and other cards in one place instead of loose in pockets.
- Useful when you switch from cash to contactless payments in the UK.
- Fits easily in a small bag or coat pocket when commuting.
• Check that it fits standard UK debit card size.
A4 document wallet / organiser
Best for: Storing bank letters, payslips and proof-of-address documents.
- Keeps all your UK paperwork in one place (bank, HMRC, landlord, consulate).
- Helps you quickly find a recent letter when an app asks for proof of address.
- Can be re-used for consulate appointments and translations.
• Look for wallets with multiple labelled sections.
Adjustable phone stand
Best for: Stabilising your phone during selfie videos and ID photos.
- Reduces shaky video when recording KYC selfies for Monzo or other apps.
- Keeps both hands free to hold your passport or BRP at the right angle.
- Also handy for video calls with family or support services.
• Choose a stable base that works on your desk or table.
Compact power bank
Best for: Avoiding low battery during signup and document upload flows.
- Helps when you're travelling or waiting in public spaces while completing checks.
- Useful beyond banking: maps, tickets, and consulate emails on the move.
• Check airline cabin rules if you travel often.
Need help preparing documents or proof-of-address before applying?
View Resinaro Services →