Real shame, been declined a year ago and tried again to no avail. Nothing on credit report to deny me, no missed payments, no bank switched or credit agreements from spam of 12 months. With them being under scrutiny and restrictions, I can understand not creating new accounts but to deny anyone to ever have an account because of issues their end seems strange
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Starling are allowing new customers, their customer base has grown but at a much slower rate than say Monzo.
Itâs not clear when theyâll allow ex-customers to return. Itâs a bit like Chase in that regard.
Try contacting them and see if theyâve changed their position.
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Theyâre still not allowing many of us to open the savings account.
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Thatâs the one that puzzles me more , especially on a savings account
Not even a savings account, doesnât have its own account number.
Itâs essentially a space which is even more bizarre.
In favour of banks (as is tradition) itâs far less work for them to implement this way.
Account numbers arenât unlimited, saves a fair bit of resource. Not sure account numbers can be reusable.
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Does that matter though? If you put money in it, it earns interest which is what you want.
Monzo savings accounts donât have account numbers either.
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No as in I donât care how itâs set up it makes no difference to me, but if itâs just a compartmentalised space in side my account that earns interest, why are some customers not eligible.
The reason why Starling has been on the ânaughty stepâ for a while and is restricted on opening new accounts is that they failed to fully follow the money laundering checks.
Itâs NOT to do with ârisky lendingâ where there might be a concern that theyâve given people credit that they canât pay back/get into a debt spiral etc.
Savings accounts (or spaces in this case) can be used for money laundering as well - so thatâs why everything is impacted.
Itâs nothing to do with any line of credit and purely âcan money be moved through this account?â
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Interesting, how can spaces be used for laundering out of interest?
If the only way in and out is to the main account?
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Spending spaces can have virtual cards attached to them so you can make payments directly out of them.
Maybe saving spaces are not unique enough in their system to differentiate between spending/saving spaces (I donât launder money personally, so donât have experience in this).
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The app looks like it would let me apply for an overdraft⌠is this new?
Theyâve always done overdrafts, at least a few years? Or did they stop?
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They may have stopped for a while but I still have my initial overdraft from Starling from 2019 for a very generous ÂŁ5000
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Can people open additional accounts now? 
Not me.
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Im sure they stopped offering new ones.
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My options have changed from previously âWe are unable to offer you any new accountsâ to a page with Joint and Business options available. I donât need either though to go through the process to check.
My overdraft says âYou have no overdraft offersâ but I think itâs always said that.
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I guess thatâs progress?
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Mine used to say that, but I have now been offered and accepted an overdraft.
My circumstances havenât changed in any significant way recently so I presume this is a change at starling, rather than with my credit record.
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