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Online · checked 9 November 2026

Starling

4.00%Easy Saver — 4.00% AER on up to £25,000 for the first 6 months (includes a fixed 1.25% bonus for new Easy Saver accounts), then 2.75%. Needs a Starling current account.

Facts, not recommendations. We aren’t paid by any bank and we don’t rank by who pays us. Rates and offers change often — checked 9 November 2026. Always read the provider’s terms before you open or switch an account.

£40a year on £1,000 at 4.00% AER — £46 at the 4.56% top rate.
£200a year on £5,000 at 4.00% AER — £228 at the 4.56% top rate.
£400a year on £10,000 at 4.00% AER — £456 at the 4.56% top rate.

TL;DR£10,000 here earns £400 in a year. That’s £56 less than the top easy-access rate we found.

Switching bonus

Starling isn’t in Which?’s November 2026 list of switching offers.

TL;DRNo cash for switching here — it competes on rates and features instead.

TypeOnline
Part ofStarling Bank
Current account feeNo monthly fee
FSCS protectionUp to £120,000 per person, per banking licence

Quick answers

What savings rate does Starling pay?

Starling’s Easy Saver: 4.00% AER on up to £25,000 for the first 6 months (includes a fixed 1.25% bonus for new Easy Saver accounts), then 2.75%. Needs a Starling current account.

Is my money safe with Starling?

UK deposits at a bank or building society with a UK licence are protected by the FSCS up to £120,000 per person, per licence. Starling is part of Starling Bank.

Does Starling pay you to switch?

Not in Which?’s November 2026 list of switching offers.

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Receipts · checked 9 November 2026