Starling Bank Limited

Reference number: 730166

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Verified phone number

    020 7930 4450

  • Verified address

    Starling Bank, London Fruit & Wool Exchange, 1 Duval Square, London, E1 6PW, United Kingdom

Also trades as
  • Starling

Company details

From the company's Companies House record.

Company number
09092149
Company status
Active
Company type
Private limited company
Incorporated
18 June 2014 (12 years old)
Registered office
5th Floor London Fruit And Wool Exchange, 1 Duval Square, London, E1 6PW, United Kingdom
Nature of business
  • Banks (SIC 64191)

Current directors and secretaries

Name Role Born Appointed
Declan Ferguson Director Jan 1989 13 Jul 2022
Julie Chakraverty Director Oct 1971 1 Mar 2024
Raman Bhatia Director Nov 1978 24 Jun 2024
Darren Scott Pope Director Aug 1965 1 Oct 2024
Colin William Bell Director Feb 1968 6 Oct 2025
John Edmund Mountain Director Aug 1978 18 Jun 2026
Daniel Toby Olley Director Feb 1970 1 Jul 2026
Veronica Ridley Secretary Not published 24 May 2024

Check on the FCA register → Report a scam →

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • +33644675662
Fake email addresses (1)
  • info@starlingcredit.com
Fake websites (1)
  • starlingcredit.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

Activities and protection

What they can do, and how you are protected

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.

Check your FSCS cover →

Show FCA detail (9 permissions)
  • Accepting Deposits
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Dealing in investments as principal
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

Action taken against them, and what customers complained about

1 fine in 2024. This is part of the official register record and is worth reviewing before going ahead.

  • Fined on 27 September 2024
    A final notice has been issued in relation to failings in Starling Bank Limited's financial crime systems and controls as well as their breaches of a Voluntary Requirement (VREQ).

    Read the FCA notice →

Previously registered as

The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Possible FS Limited
  • Starling FS Limited

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • Starling

Complaints record

In January–June 2025, the Financial Ombudsman Service received 689 new complaints about this firm, and upheld 21% of the ones it decided.

That is below the 31% median for the firms the Ombudsman reports on.

  • Banking and credit 689

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is Starling Bank Limited FCA authorised?
Yes, Starling Bank Limited (FRN 730166) is authorised by the FCA to carry out regulated activities.
Is my money safe with Starling Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Starling Bank to the Financial Ombudsman Service, free of charge.
Is Starling Bank a scam or clone?
Starling Bank is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Starling Bank's Firm Reference Number (FRN)?
Starling Bank's FRN is 730166. You can verify it on the FCA register.