Starling Discussion & Feedback

Definitely looking forward to this. Currently using FreeAgent and while it’s decent it still lacks the concept of a pending transaction which means it takes days before a card transaction actually shows up on there. Coconut is also doing this but I’ve passed due to them not being a bank (lack of FSCS protection), lack of Apple Pay and slow Faster Payments. Starling has all those aspects covered already so it would be a very welcome addition. The only downside is that I’d feel bad for dumping my accounting firm who currently provide my FreeAgent license.

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In the meantime there’s Jaja if you want a modern credit card. It’s pretty basic when it comes to transaction enrichment (Monzo is the gold standard here, Starling is somewhere in the middle, but Jaja’s is basically non-existent) but at least it’s real-time and feels like there’s modern tech behind it instead of rust.

Sorry, late reply.

I value having the choice and not having to dispute them could be easier.

Slow replying here, but you may be on to something with the hole punch idea! :grinning:

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Anyone have any idea if starling are working on better budgeting features ? I generally prefer starlings UI but use monzo for ability to create budgets.

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Starling really seemed to have slowed down on any improvements etc lately.
Nothing seems to be happening.

Yeah, if it’s not broke don’t fix it etc but it just seems to have gotten a bit stale lately.

I thought that too. I can’t remember the last thing Starling released that I jumped in the app to take a look at.

They must be working on something taxing, as the feature front has ground to a halt.

What exactly would you like Starling to add? I can’t immediately think of anything

They’re working on USD accounts and cheque imaging rn and I think that’s a solid focus

I think better budgeting is the only other real thing I could personally request, along with separate euro cards, moving to their own payment processor and virtual cards

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Starling just revamped the business categories, and cheque imaging seems imminent.

I just wish for better budgeting and spending analysis. There’s still no way of starting my month on the day I’m paid, which is pretty fundamental, and Anne has teased something “better” than Bill Pots but that just seems like wrong–footed blustering after it was requested.

Starling still seems very reluctant to accept feedback. Last month I pointed out that the app calculated three different amounts that I had supposedly spent:

The specialist who replied seemed to think the different calculations were all valid, and wouldn’t accept that as a regular punter it was all very confusing and I didn’t want to have to take certain refunds and split bills into account on some screens to perform my own mathematics, and that it was simply ridiculous that the app was telling me ‘You have spent x, perhaps y or maybe z this month’. My interaction ended with a rather limp “we take on customer feedback” kinda stock answer, and I got the impression that, once again, the defensive shutters had gone back up. Oh well.

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:thinking:

:laughing:

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Those are really all backend changes that wouldn’t change much in the app - the point being

I would like Starling to correct the knife direction on the food icon, it feels so weird seeing it right. No one cuts their food that way, so its odd to flip it over.

Screenshot_20200206-075851

Screenshot_20200206-075954

:rofl:

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Good grief - very confusing unless you are a Starling techie I suppose. Don’t tell us but do you know the correct figure for the month? My app shows the same odd difference between Categories and Merchants. Too early [nd pre-caffiene] for me to work out why yet. R-

I’ve had my Starling account blocked/restricted this morning. Will be interesting to see how they handle the process.

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Any idea what for? Have you had any unusual payments in or out of your account? I’ll be interested to see how this is handled.

Back when the Starling forum was a thing, I pointed out this very bug. I explained in detail what the issue was, why it was happening and what needed to be changed in order to fix it. They acknowledged my post but never acted on it, which is frustrating. Same thing happened with a similar bug in the Pulse not grouping by merchant :confused:

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I know why, I transferred £25k once and got a message in app asking to explain - also explained I’d be expecting it to happen again as I was transferring savings to Marcus (Starling is my ‘linked’ account so it had to go through Starling) and the other bank had a daily faster payment limit.

Instead of keeping this note they’ve decided to block my account and ask me again what it’s for despite them already knowing.

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The main tab is pretty dreadful, years ago I assumed it was a best first effort and they would improve it, but it still persists. Opens to a useless screen showing how much I spent today (never been helpful for me, no way to turn it off). Then when I get to the feed, all the transactions show the time they occurred on the secondary line instead of any notes I’ve added. How is that at all useful? Then the transaction detail screens have loads of empty space, and information isn’t laid out in a way that makes it quick to see and digest key information. I find the basic interaction with the app so tedious that I’ve stopped using it. The transfers section is excellent, but the main part of the app is awful.

Basically, they need to redesign and overhaul the main screen/feed. It’s such a fundamental part of the experience. I’m amazed they haven’t yet, it’s like they don’t even use it (or haven’t used an app that presents information in a useful way so they don’t know what they’re missing?). If this is their level of interaction design, I don’t hold out much hope for budgeting features.

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Just looking through my previous spending amounts and comparing Merchant with Categories, the difference for me is BACS payments to other individuals (in my case, my own Monzo account). So, whilst they’re counted in ‘Categories’ (as a payment) they’ve not counted in Merchants - presumably because there isn’t an ‘official’ one?

Maybe for those payments they need to setup the receiving bank as a merchant? Or even better, the individual person you’re paying to (so if you were paying multiple people who are with the same bank, you’ll be able see each one individually).

The 2 features that made me switch from Starling as my ‘main’ everyday account to Monzo as my main everyday account was:

Setting up Bill Pots
Being able to ‘collect’ payments (ie - wages) a day early.

If Starling introduce bills pots, I’d seriously consider moving back as I prefer the much greater control they let you put on your card - being able to separately block ATM withdrawals, Online Payments, Mobile Wallets, Card Present (chip and pin/contactless) and magstripe. So I’ve got Card Present and Magstripe turned off so the card itself can only be used for taking money out of an ATM and everything else is done through Applepay.

Getting paid early is a nice safety blanket to have - but I’m trying not to get used to it.

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Back on icons, you call that a vehicle? What’s with the missing line at the back, it feels very much a sod it, that’ll do, I want to go on my lunch break. I mean just do a wheel icon if you want to make it more generic than a car.

Screenshot_20200206-095748
:baby: :pencil2:
This now looks like a toddler playing dot to dot and got distracted by a toy. :taxi: :t_rex: :tennis:

Maybe I can get a Twitter poll going and get them to change it like Monzo. Along with another for the food saying I use chopsticks and feel discriminated so we end up with an avocado as the food symbol to be more “relatable” to everyone.

:roll_eyes:

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