Starling as a Service

Your product. Our platform.

Embedded banking powered by Starling

Your product. Our platform.

Provide banking services, without becoming a bank

With Starling’s award winning technology and banking platform, any brand can become a fintech. Our Banking as a Service platform, powered by Starling’s API, allows you to effortlessly create your own banking products with a simple integration. You take care of your customers while we handle the technical and regulatory demands behind the scenes.

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  • World class tech meets award-winning bank: We bring game changing technology, a UK banking licence and (subject to regulatory approval) an EU banking licence. We have the technical and regulatory know-how so you can focus on your customers.

  • Your product. Our platform. You decide how to embed finance into your product, and we’ll power it invisibly in the background, so you stay in control of your customer experience.

  • Simple API for developers: Starling’s simple and scalable API and documentation means you’ll be up and running rapidly.

Embed financial services into your business

Digital bank accounts

Give your customers fully licensed bank accounts with deposit protection and a suite of digital features that you can take your pick from.

Go to digital bank accounts

Digital & physical cards

Issue your customers with Mastercard debit cards in your brand that are accepted worldwide, with mobile wallet integration and backed by Starling's payment processing.

Go to card services

Payment & account services

Plug into major payment rails through our PSD2-compliant RESTful API, and explore our suite of real and virtual settlement and client-safeguarding accounts.

Go to payment & account services

Have peace of mind with our regulatory expertise

With Starling’s Banking as a Service platform, you get more than just world class technology. We’ll take care of the regulatory requirements associated with offering financial services including Anti Money Laundering (AML) and Know Your Customer (KYC) so you can zero in on your user interface, customer experience, PR and marketing.

Choose your customer service model

You can do-it-yourself or take advantage of whitelabelled customer servicing provided by us.

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The platform that you can bank on

Through our platform we combine the benefits of being a licensed bank with modern technology to power your ability to offer banking services. You don’t need to apply for a bank license, build a banking platform or hire a banking team. Starling takes care of that.

  • Speed to Market: Our modern tech stack means you can get your products to market quickly.

  • Technology led: We’re a technology company with a banking licence meaning our tech stack is flexible, scalable and modern.

  • Licensed and future proof: It’s our job to worry about banking industry or regulatory changes, so that you don’t have to.

  • One API: Our services are all opened and managed by one simple API, through a single, seamless integration.

Benefits for your brand

Customer engagement

Beat the competition by creating new customer touch points and embedding finance at the point of need.

Increase core revenue streams

Create more engaging and streamlined propositions for your customers that generate increased loyalty and value from your customers.

Understand your customers

Analyse your customers’ spending and payment behaviour to offer value added services and more contextualised experiences.