Since launching in 2014 Starling Bank became one of the UK’s first digital banks with full authorisation to operate independently. Since its start customers and businesses have signed up for its mobile-friendly accounts and customer support with over four million users today. How convenient is it for someone to make an online account on Starling Bank in the UK? What are the required documents for an account and what is the processing time? This guide provides answers to your important questions about Starling Bank.

This step-by-step article explains how to create a Starling Bank online account

To join Starling Bank and open an account online, grab your smartphone and follow these simple steps:

Get the Starling bank app on your phone

You can open your Starling Bank account fastest through their mobile app.

It’s available from the following app stores:

• The Apple App Store.
• The Google Play Store.
• The Huawei app gallery.

You must confirm if your device works with the app before installing it.

You can begin your account setup via Starling Bank’s website but must use their app to complete it later.

Start the application process

The app will show you each step to take so follow them to begin your application. The application will ask for your personal information during the process. This may include:

• The bank needs your personal information including name, home location, birth date and tax home details.
• The system requires your contact information plus your email and phone number.
• The system requires you to share information about your workplace and paycheck.

Verify your identity

The system will require you to prove who you are before it can accept and work on your application. You have to take a picture of your passport in the app and then record a video selfie for verification. The bank needs to confirm your face matches your ID to allow you access. The app displays clear directions and gives you tasks to finish one at a time.

Submit your application

After completing all required actions you can submit your application and expect the account setup to follow.

Frequently Asked Questions

The following are some of the most asked questions about this Neobank:

How long does Starling Bank take to create an online account

The bank says you can finish your account application within 5 to 10 minutes.

What identification must I bring to start my Starling Bank account

To open a Starling Bank account online you must present a valid photo identification. The bank accepts the following:

• Passport.
• EU identity card.
• Biometric residence permit.
• You need to have either your completed UK driving license or your learner’s provisional license for this.
• Keep your address documents at hand when you submit your application since proof of address may become necessary.

Acceptable proof of address documents include:

• You can use your UK driving license along with other identification but not if it was already your primary ID document.
• The bank requires one of your latest financial documents like bank, credit card, or house payment statements.
• A recent utility bill.
• A recent council tax bill.
• You must show a recent document sent from the UK government such as your benefits letter.
• You need a recent rental contract as proof to include student housing agreements.

The time to activate your account varies based on our processing schedule. Starling enables new customers to receive their account number and make payments into their account instantly or by the next day. Your physical debit card will arrive at your home by postal service within 5 to 7 business days. Yet you can generate a digital card instantly and conduct payments right away. Be ready to start your account by submitting all required documents and information in full. Review your application documents thoroughly to find any errors and correct them before hitting submit.

Does Starling Bank evaluate your credit when you sign up for an online account

Starling Bank performs a UK Credit Reference Agency credit check during personal account applications. When you apply for an account with Starling Bank the system conducts basic ‘soft’ credit checks that cannot affect your credit score. When you ask for an overdraft Starling Bank conducts a ‘hard’ credit check which affects your credit report.

After completing account checks Starling Bank sends you a notification when your new account becomes ready for use.


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