Firm analysis

Starling Bank Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Starling Bank Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

813 published decisions involving Starling Bank Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

813

Firm-specific decision volume in the public corpus

Upheld rate

27.3%

222 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

813

Firm-specific decision volume in the public corpus

Upheld rate

27.3%

222 upheld decisions

Leading product

Banking and Payments

789 decisions

Leading complaint theme

Fraud Or Scam Concern

381 tagged decisions

Starling Bank Limited at a glance

Starling Bank Limited appears in 813 published decisions in this corpus. 27.3% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Banking and Payments is the firm’s clearest product exposure in the published decisions, with 789 decisions and an upheld rate of 27.6%.

  • Latest active year in the published data: 2026 (6 decisions)
  • Most common complaint theme: Fraud Or Scam Concern
  • Most common precedent signal: Disp

Volume and outcome trajectory

Starling Bank Limited's decision trail runs from 2018 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Starling Bank Limited appeared in 6 published decisions with an upheld rate of 16.7%.

  • 2026: 6 decisions, 16.7% upheld
  • 2025: 266 decisions, 19.6% upheld
  • 2024: 173 decisions, 28.9% upheld
  • 2023: 143 decisions, 33.6% upheld
  • 2022: 120 decisions, 29.2% upheld

Themes, products, and precedent signals

Fraud Or Scam Concern is the strongest complaint-theme signal tied to Starling Bank Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Disp, Fca Principles, Payment Services Regulations, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Banking and Payments: 789 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Fca Principles

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-588717402 Feb 2026Not upheld

Starling Bank Limited · Banking and Payments

For the reasons I’ve explained, I don’t uphold this complaint. This final decision marks the end of our service’s consideration of the case.

View source decision
DRN-587657330 Jan 2026Not upheld

Starling Bank Limited · Banking and Payments

Fr the reasons I’ve explained, my final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr C to accept or reject my decision before 27 February 2026.

View source decision
DRN-597910230 Jan 2026Upheld

Starling Bank Limited · Banking and Payments

For the reasons above, I have decided to uphold this complaint. Starling Bank Limited must now pay Mr S £100 compensation.

View source decision
DRN-594710629 Jan 2026Not upheld

Starling Bank Limited · Banking and Payments

For the reasons given above, I don’t uphold this complaint. If Miss J accepts this decision, then if not done so already, Starling Bank Limited must refund to Miss J the £25 and pay the £150 compensation it’s offered.

View source decision
DRN-602911729 Jan 2026Not upheld

Starling Bank Limited · Banking and Payments

For the reasons I have given above, I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms J to accept or reject my decision before 26 February 2026.

View source decision