Starling Bank
UK · London · FCA (full UK banking license)
Starling Bank is a Bank based in UK (London), regulated by FCA (full UK banking license). The institution operates an active Banking-as-a-Service program, launched in 2014.
Starling Bank supports the following products and services: Accounts, Cards, Payments, Lending. The bank serves customers across UK, expanding globally.
Notable fintech partners include Engine platform licenses infrastructure to other institutions.
- Products Supported
- AccountsCardsPaymentsLending
- Geographies Served
- UK, expanding globally
- Charter / Regulator
- FCA (full UK banking license)
- API Standards
- REST API, Open Banking
- Minimum Deal Size
- Not publicly disclosed
- Year Program Launched
- 2014
Engine platform licenses infrastructure to other institutions
None confirmed active
2M+ retail customers, £11B+ deposits. 57B (2024).
Engine by Starling licenses banking infrastructure to other institutions. Dual strategy: retail bank + BaaS technology provider.
Starling Bank Partners with Adyen for In-App Tap-to-Pay for UK SMEs
Starling Bank selected Adyen to power in-app payment acceptance for its UK SME customers, starting with tap-to-pay on NFC-enabled smartphones. The integration lets business customers accept contactless card payments without separate hardware. Payment links for Starling's free invoicing tool will follow later in 2026.
FinTech Wales and AI Wales Launch Strategic AI Hub Partnership
FinTech Wales and AI Wales launched a strategic partnership and new AI Hub on April 9, 2026, to accelerate AI innovation in Welsh financial services. The Hub connects major financial institutions including Starling Bank, Aviva, Mastercard, and Barclays with AI innovators. It will provide workshops, training, and collaboration opportunities for practical AI implementation.
Global Processing Services Raises Over $300M for Global Expansion
Global Processing Services (GPS), an API-first payment technology platform, raised over $300 million from Advent International and Viking Global Investors. GPS powers major fintechs including Revolut, Curve, Starling Bank, and Zilch across 48 countries. The investment will accelerate technology development and expand GPS's global operations across Europe, Asia-Pacific, and the Middle East.
Starling Bank Offers Embedded Income Protection Insurance via Anorak
Starling Bank partnered with insurtech Anorak to offer income protection insurance directly within its banking app. The embedded insurance product uses bank account data for quick, personalized assessments, targeting sole traders and gig workers. This is a notable example of embedded finance in challenger banking.
Starling Bank Expands Banking-as-a-Service via Open APIs
Starling Bank announced the expansion of its Banking-as-a-Service offering around PayExpo 2018, opening APIs for white-label banking, debit cards, and payments. The BaaS platform enables fintechs to access banking infrastructure without obtaining their own banking license. Early partners include Instarem and FIS Global.