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.
Need help preparing documents or proof-of-address before applying?
View Resinaro Services →