Evidence summary
What this evidence shows
No recent price evidence is available for Starling Bank in this review. This does not establish that the provider cannot offer your transfer; request a quote for your amount and payment method.
- Collected route records in the past 36 hours
- Not available
- Indicative estimates
- Not available
- Quotes eligible for price ranking
- Not available
- Price wins where a rival was captured
- Not assessed
- Latest included capture
These counts use a rolling 36-hour window. Route tables rank today’s UTC records and retain older results in grey. Modelled prices, converter rates and introductory offers cannot win this standard comparison. A captured quote is not a guarantee of the price available when you send. Inspect the dated receipts.
Published pricing model
A current exchange rate with a separate 0.4% conversion fee. Weekend euro-account conversions use a fixed weekend rate.
Service assessment dated .
Read the provider’s source documentsCustomer evidence
Trustpilot · Starling bank-wide reviews, checked . The profile covers the whole company, including products beyond transfers.
These are self-selected reports, not independently verified transfer outcomes. Read the reported strengths, concerns and source limits.
Where Starling Bank makes sense
- Best for
- Existing Starling customers who want a transparent bank payment without opening a separate transfer account.
- Less suitable for
- Cash pickup, unsupported currencies and customers who need weekend wholesale-rate conversion.
- Where the rate cost sits
- A current exchange rate with a separate 0.4% conversion fee. Weekend euro-account conversions use a fixed weekend rate.
- What the fee tells you
- 0.4% conversion plus a delivery fee. Swift costs £5.50; lower-cost local delivery starts from 30p where available.
- Delivery
- Local network or Swift, depending on currency. International payment processing has weekday windows.
- Access
- Inside a Starling current account, with separate euro-account features for eligible customers.
How Starling Bank's quote can flatter or disappoint
Starling is the most useful high-street-style comparison because it states the conversion charge plainly. On £1,000 the 0.4% conversion fee is £4, before the chosen delivery charge. That lets a customer compare it with Wise or Atlantic Money without reverse-engineering the bank rate.
The low-cost local option can be only 30p for common routes, while Swift is £5.50. Those are not interchangeable delivery rails. Swift may carry payment references or reach a currency the local option does not, but recipient-bank fees remain possible.
For an existing Starling customer the small difference from the cheapest specialist may be worth the convenience. For a customer opening an account solely for one payment, the specialist quote remains the cleaner baseline.
Customer feedback
What customers report about Starling Bank
Starling's customer feedback covers personal and business banking, including spending, saving and account access. In the reviews read, customers liked the app's organisation tools and straightforward account setup. One detailed positive account also described useful telephone help. A business customer, however, reported delayed card-payment credits during an identity check and difficulty getting a resolution timetable. Those experiences concern the wider banking service. They do not establish the price or delivery reliability of Starling's international transfers on a particular route.
The linked profile covers the whole company, including products beyond international transfers. Its score is not a transfer-only rating.
Any customer score shown belongs to the source platform and is separate from our editorial rating. Public reviews are self-selected reports, not a representative customer survey; we have not independently verified each reported experience.
What customers value
- Customers described straightforward setup and clear app navigation.
- A reviewer praised spending notifications, savings tools and telephone assistance.
What to check before sending
- A business reviewer reported payment credits delayed during identity checks.
- That reviewer also described repeated contact without a clear resolution date.
What this means for your comparison
Starling's app may be convenient if it already holds the money you want to send. Compare its final international-payment quote with a specialist's quote for the same amount and destination. For a payment with a deadline, check the delivery estimate and support arrangements separately; favourable feedback about day-to-day banking does not answer either question.
Selected individual reviews, including personal and business accounts; no representative transfer sample. Starling invites reviews. Reported incidents were not independently verified.
Sources and review context
Where it works well
- Bank integration with unusually clear pricing
- Low-cost local payment option
- Published calculator and fee table
Where the value thins out
- Requires a Starling account
- Limited country list compared with specialists
- Recipient-bank fees can still reduce a Swift payment
The latest Starling Bank figures we can reproduce
Each row is the newest matching record returned within the rolling 36-hour window. The receipt shows the provider screen or calculation behind it, including the time we saw it. This window can include the previous UTC day.
Starling Bank remains here because UK customers will still encounter it. A rate will appear only when the amount and payment method can be recorded with a time and receipt.
Provider comparison
Compare the service behind the quote
Choose two companies to compare pricing terms, practical limits and customer feedback. The better fit depends on the transfer you need to make.
- Best suited to
- Starling Bank
Existing Starling customers who want a transparent bank payment without opening a separate transfer account.
- Wise
Transparent bank-to-bank transfers, multi-currency balances and customers who want the rate and fee separated.
- Where it may not fit
- Starling Bank
Cash pickup, unsupported currencies and customers who need weekend wholesale-rate conversion.
- Wise
Cash collection and customers who assume every funding method costs the same.
- Exchange-rate model
- Starling Bank
A current exchange rate with a separate 0.4% conversion fee. Weekend euro-account conversions use a fixed weekend rate.
- Wise
The mid-market exchange rate is used for the conversion. Wise does not add a hidden rate margin to a standard transfer.
- Fees to compare
- Starling Bank
0.4% conversion plus a delivery fee. Swift costs £5.50; lower-cost local delivery starts from 30p where available.
- Wise
A variable fee combines a small fixed element with a percentage that changes by currency, amount and payment method. Volume discounts can reduce the percentage on large transfers.
- Delivery
- Starling Bank
Local network or Swift, depending on currency. International payment processing has weekday windows.
- Wise
Often seconds or the same day on supported local routes. Swift-funded or less liquid routes can take longer.
- Access and eligibility
- Starling Bank
Inside a Starling current account, with separate euro-account features for eligible customers.
- Wise
Website and app, personal and business accounts, local receiving details in selected currencies and transfers from small to multi-million-pound amounts.
- Customer feedback
- Starling Bank
Starling's customer feedback covers personal and business banking, including spending, saving and account access. In the reviews read, customers liked the app's organisation tools and straightforward account setup. One detailed positive account also described useful telephone help. A business customer, however, reported delayed card-payment credits during an identity check and difficulty getting a resolution timetable. Those experiences concern the wider banking service. They do not establish the price or delivery reliability of Starling's international transfers on a particular route.
Trustpilot · Starling bank-wide reviewsPublished score: 4.347,969 reviewsChecked
Whole-company profile; includes other products
Read the customer-feedback assessment - Wise
Wise's visible reviews praise quick transfers, clear app navigation and convenient currency handling. The same profile also covers cards, travel spending and account access, so its score is broader than international transfers. Critical reviewers describe account restrictions, uncertain explanations and difficulty resolving disputed transactions; one also objects to debit-card funding costs. Wise replies that security and regulatory checks can restrict accounts. That is the company's explanation, not independent confirmation of what happened in any customer's case.
Trustpilot customer reviewsPublished score: 4.3301,645 reviewsChecked
Whole-company profile; includes other products
Read the customer-feedback assessment
These are service and pricing models, not live quotes. Use current verified quotes for the same route, funding method and payout method to compare the total paid with the amount the recipient receives.
Customer scores belong to the linked review sources and are separate from our editorial ratings. Review profiles can cover different products, countries and periods, so their scores do not establish an overall winner.
What to price beside Starling Bank
Wise remains the cleanest yardstick for an ordinary bank transfer. It uses the mid-market rate and places its charge in view, so there is less detective work between the advertised rate and the amount delivered.
Read the Wise rate review →Revolut can be very good value for an existing customer exchanging within the plan allowance. Go beyond that allowance, or exchange at the weekend, and the apparently simple price develops rather more moving parts.
Read the Revolut rate review →NatWest Business keeps permissions and payment records inside Bankline, which has genuine value. Its £15 payment fee swallows 7.5% of a £200 transfer before the exchange-rate margin gets involved.
Read the NatWest Business rate review →Starling Bank's own pricing documents
These pages describe the published terms. The corridor table is gathered separately, so a provider's explanation never substitutes for the quote it gives us.
- International transfer calculatorStarling Bank
- International payment fee tableStarling Bank