If you create your own document, purporting to be ‘official looking’ (on another thread you advocated using downloadable media kit images) in order to ‘prove’ you live at a particular address so that Starling will give you an account, you’re committing fraud by false representation, and a separate offence of making or supplying articles for use in fraud.
In the former, if you:
- made a false representation
- dishonestly
- knowing that the representation was or might be untrue or misleading
- with intent to make a gain for yourself or another, to cause loss to another or to expose another to risk of loss
you have made out the offence. Your opinions on Starling’s ‘outdated, legacy’ practices are immaterial.