Starling Bank: who owns it, who runs it and what the accounts show
Starling Bank Limited's person with significant control on the Companies House register is Starling Intermediate Holdings Limited. It holds 75% or more of the company. In the year to March 2026 Starling Bank Limited reported turnover of £862m.
- In the year to March 2026, Starling Bank had turnover of £862m, down 6.2% on the year before.
- It made a pre-tax profit of £234m.
- For a bank, the turnover shown here is gross income: interest received plus fees and other income, before the interest it pays out to savers and lenders. Starling's accounts show revenue of £861.7m; after £189.3m of interest paid out, fees paid and impairment its gross profit was £618.7m, and it also had £114.1m of income from other Starling companies (accounts to 31 March 2026, p. 142).
- It employed an average of 3,902 people, with staff costs of £325m.
- Starling Bank Limited is controlled by Starling Intermediate Holdings Limited, according to the Companies House register.
- These figures are from Starling Bank Limited's accounts for the year to March 2026, filed at Companies House on 12 July 2026.
- Registered name
- STARLING BANK LIMITED
- Company number
- 09092149
- Status
- Active
- Incorporated
- 18 June 2014
- Registered office area
- East London
- Industry code on the register
- 64191: Financial service activities (excl insurance and pension)
- Accounts
- Single company accounts, this company only
- Accounts type
- Full group accounts
- Latest accounts
- Year to March 2026, filed 12 July 2026
What does Starling Bank do?
Starling Bank is a fully licensed UK bank that runs through a smartphone app, offering personal, joint and business accounts. It was founded in 2014 and describes itself as Britain's first digital bank. It has no branches, and has offices in London, Cardiff, Southampton and Manchester. It earns money from lending and card fees. It also sells its own banking software, Engine, to other banks.
In brief: app-based bank · personal and business accounts · no branches · Engine banking software
Source: Spark Intel editorial, checked 24 September 2026. Official website: starlingbank.com.
Who owns Starling Bank?
The Companies House register records Starling Intermediate Holdings Limited as the person with significant control of Starling Bank Limited, company number 09092149. Starling Intermediate Holdings Limited is itself company number 16240204. It holds 75% or more of the shares or voting rights. The control was notified on 30 September 2025.
That places Starling Bank Limited inside a larger group. The accounts on this page are the company's own, not the wider group's.
The full ownership record is on the Companies House register. Control is given in the bands the register uses, not as exact shareholdings.
Who runs Starling Bank?
The Companies House register lists 8 current officers for Starling Bank Limited.
All 8 current officers
| Officer | Appointed |
|---|---|
| Declan Ferguson | 13 July 2022 |
| Julie Chakraverty | 1 March 2024 |
| Veronica Ridley | 24 May 2024 |
| Raman Bhatia | 24 June 2024 |
| Darren Scott Pope | 1 October 2024 |
| Colin William Bell | 6 October 2025 |
| John Edmund Mountain | 18 June 2026 |
| Daniel Toby Olley | 1 July 2026 |
Every current officer, with appointment dates, is on the Companies House register.
What did Starling Bank file?
Starling Bank Limited reported turnover of £862m in the year to March 2026. That was down 6.2% on £919m the year before.
It reported 3,902 employees. The year before it reported 3,711.
It filed a pre-tax profit of £234m for the year, against a pre-tax profit of £230m the year before.
Staff costs came to £325m. That is an average of £83,000 a head. It ended the year with £4,189m at the bank and net assets of £1,269m.
| Measure | Mar 2026 | Mar 2025 |
|---|---|---|
| Turnover | £862m | £919m |
| Pre-tax profit | £234m (filed) | £230m (filed) |
| Employees | 3,902 | 3,711 |
| Staff costs | £325m | £288m |
| Average staff cost per head | £83,000 | £78,000 |
| Bank and cash | £4,189m | £6,687m |
| Net assets | £1,269m | £1,097m |
| Directors' pay | £4m |
What these figures cover: For a bank, the turnover shown here is gross income: interest received plus fees and other income, before the interest it pays out to savers and lenders. Starling's accounts show revenue of £861.7m; after £189.3m of interest paid out, fees paid and impairment its gross profit was £618.7m, and it also had £114.1m of income from other Starling companies (accounts to 31 March 2026, p. 142).
Read the accounts to March 2026 (PDF, Companies House) · every accounts filing
What do these figures mean? Turnover vs profit · Profit per £100 · Cash vs profit · Net assets · Group accounts
Are there any charges against Starling Bank?
Starling Bank Limited has registered 8 charges at Companies House, of which 3 are still outstanding. A charge is security a lender takes over a company's assets; one is satisfied when the lending behind it is repaid or released.
All 3 outstanding charges
| Charge holder | Created |
|---|---|
| The Governor and Company of the Bank of England as Security Trustee | 15 November 2019 |
| The Governor and Company of the Bank of England as Security Trustee for the Security Beneficiaries | 19 June 2019 |
| The Governor and Company of the Bank of England as Security Trustee | 13 March 2019 |
Each charge, with its holder and dates, is on the Companies House register.
How Starling Bank compares
Of the 6 challenger banks, Starling Bank is 3rd on turnover, 3rd on profit margin and 5th on growth. Revolut keeps the most of every £100 of sales: £37.94.
| Rank | Challenger banks | Turnover | Profit per £100 |
|---|---|---|---|
| 1st | Revolut | £4,516m | £37.94 |
| 3rd | Starling Bank | £862m | £27.18 |
| + 4 more challenger banks ranked |
Ranked by turnover. Profit per £100 is pre-tax profit for every £100 of turnover, shown only where the profit is filed.
Starling Bank files as Starling Bank Limited, whose person with significant control is Starling Intermediate Holdings Limited, with turnover of £862m in its latest filed year.
Questions about Starling Bank
What does Starling Bank do?
Starling Bank is a fully licensed UK bank that runs through a smartphone app, offering personal, joint and business accounts. It was founded in 2014 and describes itself as Britain's first digital bank. It has no branches, and has offices in London, Cardiff, Southampton and Manchester. It earns money from lending and card fees. It also sells its own banking software, Engine, to other banks.
Is Starling Bank bigger than Monzo?
No, by turnover. Starling Bank reported £862m in its latest accounts, against £1,724m at Monzo. Our Monzo v Starling page compares the two on profit, margin, growth and staff. Monzo v Starling →
How does Starling Bank compare with its rivals?
By turnover, Starling Bank is 3rd of the 6 companies in our battle of the challenger banks, behind Revolut. The battle ranks them on turnover, pre-tax profit, margin, growth and net assets. The battle of the challenger banks →
Who owns Starling Bank?
The Companies House register records Starling Intermediate Holdings Limited as the person with significant control of Starling Bank Limited. It holds 75% or more of the shares or voting rights.
How much does Starling Bank make?
Starling Bank Limited reported turnover of £862m in the year to March 2026. It filed a pre-tax profit of £234m.
How many people work at Starling Bank?
Starling Bank Limited reported 3,902 employees in the year to March 2026.
Who runs Starling Bank?
The Companies House register lists 8 current officers for Starling Bank Limited. The full list, with appointment dates, is on the Companies House register.
- Figures come from Starling Bank Limited's filings at Companies House, company number 09092149, for the period shown at the top of the page.
- These are single company accounts: they cover this company alone, not any wider group.
- Pre-tax profit is the figure the company filed, for both years.
- A figure the filing does not disclose is shown as n/d. A zero in the filing is treated as not disclosed, never as nil.
- Rounding: below £0.1m in thousands, from £0.1m to £2m to one decimal place, from £2m to the nearest million.
- Ownership is shown in the control bands the register of people with significant control uses, not as exact shareholdings.
- Officers' names and appointment dates come from the Companies House register. Job titles come from the company's own website. The description of what the company does comes from its website, or is marked Spark Intel editorial where it is written from stable, checked facts, with the date either way.
Spark Intel, “Starling Bank: who owns it, who runs it and what the accounts show”, updated 9 November 2026. https://www.spark-intel.co.uk/companies/starling-bank/. Figures from Companies House filings for STARLING BANK LIMITED (09092149).
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