Starling Personal Account Debit Card

4.3 8.6/10 DebitCue Score Verified Jun 20, 2026

Free everyday banking with fee-free spending worldwide and no foreign transaction fees

Fee: No fee
Foreign fee: None
Rewards: No rewards

Rewards

No cashback or points programme. No interest currently paid on current account balance (removed February 2025). The Tail app integration provides selective merchant cashback but is a third-party add-on, not a native Starling reward.

Our verdict

What stands out, and where it falls short.

What we like

No card fee
No foreign transaction fees

Who It Is For

Whether the Starling Personal Account Debit Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: No fee
Foreign transaction fee: None
Arranged overdraft EAR: 15%, 25%, or 35% EAR variable (risk-based; 15% representative APR)
Interest on current account balance: 0% AER (interest removed February 10, 2025)
Foreign transaction fee: 0% — Mastercard interbank rate, no Starling markup

Rewards and features

Rewards: No cashback or points programme. No interest currently paid on current account balance (removed February 2025). The Tail app integration provides selective merchant cashback but is a third-party add-on, not a native Starling reward.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
ATM withdrawal limit: Up to £300 per day, maximum 6 withdrawals (UK and international)
Virtual cards: Up to 5 virtual cards per account, each linked to a Savings Space with its own spending limit

Benefits and perks

Extras that come bundled with the card.

No foreign transaction fees

Starling charges 0% on all overseas card purchases and ATM withdrawals; the Mastercard interbank rate applies with no markup.
FSCS deposit protection

Eligible deposits protected up to £85,000 by the Financial Services Compensation Scheme.

Starling Personal Account Debit Card: your questions answered

Does the Starling Personal Account Debit Card have a card fee?

No - the Starling Personal Account Debit Card has no card fee.

What rewards does the Starling Personal Account Debit Card earn?

The Starling Personal Account Debit Card earns No cashback or points programme. No interest currently paid on current account balance (removed February 2025). The Tail app integration provides selective merchant cashback but is a third-party add-on, not a native Starling reward..

Does the Starling Personal Account Debit Card charge foreign transaction fees?

No - the Starling Personal Account Debit Card has no foreign transaction fees, so it suits spending abroad.

Is the Starling Personal Account Debit Card a credit, debit or prepaid card?

The Starling Personal Account Debit Card is a debit card issued by Starling Bank on the Mastercard network.

Does the Starling Personal Account Debit Card support Apple Pay and Google Pay?

Yes - the Starling Personal Account Debit Card works with both Apple Pay and Google Pay.

Where can I get the Starling Personal Account Debit Card?

The Starling Personal Account Debit Card is currently offered in United Kingdom.

How does DebitCue rate the Starling Personal Account Debit Card?

DebitCue rates the Starling Personal Account Debit Card 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Starling Personal Account Debit Card?

Use the Apply now button to continue on Starling Bank's secure site. Comparing and applying through DebitCue is free.