Founded in 2014, Starling bank is an app-based bank that focuses on personal and business accounts. They do not have retail high street outlets as they are web-based. All account management is through their mobile application available on android and IOS. Starling keeps track of how their users spend and breaks it down into categories such as ‘Food and Drink’ and ‘Amazon’ etc. Their users also have the ability to set up a Euro account for use on holiday or living abroad with conversations done at the current rate with only a 0.4% fee. Another feature of Starling, that isn’t offered with high street banks is the options to section savings on categories as well. Starling also offers joint accounts for flexibility which are able to open through their app.