Changing banking for good

When business owners told Starling what they wanted from a bank account, they listened. Helpful features, no monthly fee, a super-fast setup and handy integration with accountancy tools are just four reasons why their business accounts have won so many awards. And they’re not done yet!

Key features

  • No monthly account fees
  • Apply in minutes, from your mobile
  • Integrate with Xero, QuickBooks and FreeAgent
  • 24/7 UK customer support, from our UK-based team
  • Stay in the know with real time payment alerts and categorised transactions for spending insights
  • Deposit money at over 11,500 Post Office branches*. Deposit cheques via freepost or by scanning them in the app
  • FSCS protection: We’re a fully registered bank and the FSCS protects any money you keep with us up to £85,000 for eligible customers.**

* Deposits of up to £1000: £3. Deposits of £1000 and above: 0.3% of the amount deposited. If you withdraw cash using
the Post Office Counter Service, we will charge you £0.50 per withdrawal.

** The small business threshold for FSCS is an annual turnover of less than £1m. FSCS does not apply to all business
types, please check the FSCS website for eligibility

Who are Starling’s business bank accounts for?

To open any Starling account, you must be a UK resident – but with our business account, you must also be one of the following:

  • You’re the owner of a limited company, and you’re the only person with significant control (PSC) over it.
  • You’re the PSC of a limited company or LLP with multiple owners. With our multi-PSC account, you and your fellow PSCs will each get a Mastercard debit card and access to a beautifully simple mobile bank account. Please note that all PSCs registered at Companies House need to be UK resident individuals (i.e. no corporate shareholders). We can only provide access to the account if you’re a director registered at Companies House and a UK resident.
  • You’re self-employed. Our sole trader account is available exclusively to those who already have a Starling Bank personal account. Entities engaged in, or linked in any way to, certain activities may not be able to open or have a business bank account with Starling. Check our Business Current Account Terms for more information.

Getting started

It takes just a few minutes, direct from your mobile. No paperwork or branch visits required.

  • Click on your accountant’s application link
  • Download the app from Google Play Store or the App Store
  • Enter your personal details
  • Verify who you are by uploading your identification documents and sending us a short video
  • We’ll carry out some quick checks at a UK Credit Reference Agency
  • Provide a few details about your business, such as its day-to-day activities and online presence
  • We will then look to approve your application as soon as possible!

Reviews

I have always found Sapphire to be pro-active rather than reactive in their approach to customer service. They are always really flexible to my changing needs and have helped me massively with complex area’s of international taxation. Nothing is ever too much trouble and I’d gladly recommend my friends, family and colleages to Sapphire.

Lee and the team at Sapphire have been looking after our accounts and tax affairs since our incorporation in 2016. Nothing is too much trouble for the Sapphire team, our calls and emails are answered straight away and they have helped streamline our internal finance systems on Xero, giving us faster access to real time numbers and making it easier for us to make strategic decisions.

What I find most refreshing about Sapphire is the wide range of specialisms, from basic payroll to complex business re-structuring there seems to be always someone on hand to help. We have built up trust with Lee & Mark and the team over the past 7 years and we see Sapphire as our finance business partner, not just an external firm of accountants.

If you’d like to find out more about the Starling Bank Business Account, get in touch with us today.

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