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  1. 8th October 2021 / 1:10 pm

    Totally agree with your review as it matches my own experience with Starling. I originally opened an account in 2018 as I wanted a card to use for free while travelling abroad and it seemed less ‘gimmicky’ than other similar app-only banks. Also, of course, I wanted to support a bank set up by a woman! This past year or so, it’s become my ‘second’ current account and I use it for my emergency funds and for easy access savings pots (I have 11 Spaces for various different goals/projects!).

    Also for your info, one of the reasons why the bank made a profit was because they were quick to get on board the government’s pandemic loans to business initiative, so they were able to offer cheap/free loans to small and medium sized businesses. The loan repayments were guaranteed by the government so it was a win-win for the bank.

    • Faith
      12th October 2021 / 9:30 am

      Glad you’ve had a good experience with Starling too Weenie. Now my mind is boggling at the different purposes for your 11 saving ‘spaces’!
      Will be interesting to see how the bounce back loans and other government business finance support pans out for Starling. I remember at the time that they seemed to be taking a longer term approach, thinking about the potential for borrowers to repay and turning down a chunk of applications.Should stand them in good stead rather than having to chase the government under the terms of the guarantee.

    • Cat
      17th October 2021 / 10:00 am

      I also recently open a Starling Account which I run along side my main current account for all my spending that isn’t a bill, savings or household expenses. I transfer a set amount each week and when it’s gone it’s gone. This has really helped me with impulse spending which got quite out of hand during lockdown.
      I didn’t realise the founder had written a book, I will definitely check that out. I worked in retail banking for many years dealing with legacy systems and often wished we could rip everything up and start again!

      • Faith
        19th October 2021 / 9:08 am

        Do recommend Anne Boden’s book, fascinating if you are interested in starting a business in general, or banking in particular. Highlights the rollercoaster ride for a start up, with lows as well as highs!

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