The fixed is Starling.
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To be fair, Starling created the fixed interest account before easy access interest rates were at the level they are now. It would be nice to see them update the rate for new customers, though.
I took out an Atom 1-year fix at 2.30% last July which was competitive at the time.
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It also doesn’t matter to some people.
I don’t have so much money that I would be happy to have it locked up for a year, at any rate. But if you’re saving for something long term, people will happily lock it away.
We all want better rates but sometimes it’s not worth the effort to chase for it, again, for some people. Some people will jump for 0.1% and others will keep it where it’s easier for less than they could get elsewhere.
Banks know this, otherwise they’d all be fighting at the very very top. Chase did for a while, now they’re not so bothered.
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The rate is fine I just wish it was easy access so I can truely go “full Starling”.
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I would hope that Starling is looking at it’s savings options to come up with something, probably suspiciously, similar to Monzo (ie - an instant access higher interest saving pot).
If they did review the existing fixed term option though and increase the interest in that - should that be just for new deposits being setup, or should all existing deposits get it from the same date? What about if/when interest rates drop again? Should they reduce the interest on it again? The whole point of ‘fixed term’ is that you’re accepting the rate you’re getting at the point you’ve signed up so it shouldn’t change during that period at all.
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Why? They’re different banks with different business models, revenue streams, and priorities.
Why must everything be the same?
(In fact, the marginal differences in all these AERs doesn’t matter when inflation is 5x rates)
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Rate is fine but not for fixed 
Normally, I’d agree - but I think in the ‘Starling Portfolio’ of products, probably the 2 main ‘missing’ pieces now is an Instant Access (interest paying) Savings Account, and a Credit Card.
At the other end of the banking scale, you could also have mortgages, although they did buy that mortgage company a few years back that specialises in buy to let mortgages so they have got that somewhere in their Group Structure (even if it’s not available directly from Starling Bank).
This is an interesting message, on the (legitimate) Spotify sub in my Starling app:
Does this helpful warning appear in Monzo, or is this a Starling feature? Do other subscriptions do this?
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This is actually great and not something I’ve seen anywhere else.
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This feels like support team won a war against UX/developer people because they are tired of 'i didn’t pay for this… When yes, yes you did".
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It’s also not how it works is it? You can request your bank deal with it?
You should contact Spotify, but as we know on here many people don’t and want the bank to deal with it for them, which they are required to do.
I get this all the time at work. We can cancel recurring future payments, but kicking up a fuss when they subscribed to something and then being shocked they actually taken the money 
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So seems like a good thing to me: “You’ve signed up for Spotify. Here’s us empowering you to deal with it.”
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I get this at the place we’ve both worked too! It’s insane. Yes of course I cancel future given FCA guidance but jeez.
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I just seen this too 
Not very often, luckily 
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