Yes, sorry I wasn’t clear - I meant stolen twice which isn’t impossible, even if rare.
Personally, if I had my card replaced once I would then feel slightly anxious about needing a second replacement which isn’t nice but as @Anarchist says hopefully Starling will exercise some discretion here.
The positive thing about Monzo’s changes is that they have specifically said how the terms will be interpreted so there is no anxiety about uncertainty; this is really good of them.
It’s a weak form of stimulus, as I understand it. It encourages those with large balances to spend it and help keep the economy moving.
Starling have been pretty free with replacement cards historically - I made a small change to business name, said I didn’t need a new card but they sent it anyway. It was teal, I said that was fine and not to send me a navy one when those are back… but the sent me a navy one anyway!.
Other fintechs have attempted to charge me for replacement cards (when no fault on my part…) - I’ve found that if you explain politely but firmly that you either want a free replacement, or you’ll get a free card elsewhere, you more than likely to get a nice new on in the post without quibble - unless they don’t want you as a customer any longer, of course 
If I’d lost a card twice in a year, I probably wouldn’t have the front to demand a free one however
I hope this continues!
You are right that it would be really unlikely to lose two but it’s just another thing to worry about.
If the circumstances were two stolen cards through real bad luck or something, then I would hope Starling would not charge you.
This sentence always makes me do a double take. It could do with a bit of work, as when skimming it sounds like you’re penalised to the tune of £60 if you lose your card (or if it’s stolen whilst abroad).
I’m seeing a lot of ‘this is reasonable’ responses. But all I see is a bank that is unable to provide basic banking services.
I get it though, Starling is seen as a spending account and not a serious option for banking by many people. Not the kind of customers you want around. I suppose this is a good a way as any to force customers to leave on their own accord than kick them out yourself.
This is a little harsh.
Many old-fashioned banks have a complicated charging structure with fees for niche services here and there.
It’s also worth saying that Starling, Monzo and other Fintechs aren’t the only banks looking at charging for card replacements. I’ve recently received new terms and conditions for my Danske Bank account (in Northern Ireland) and they have now introduced a card charge too - cards replacing an expired one are still free.
I know
If the Monzo forums are anything to go by, people value the convenience and warm feeling of having all their money with Monzo, regardless of missing account features / charges / lower interest rates.
Guessing if I loose my starling card for depositing cash every so often i’ll close the account. (Like a couple times a year and backup encase I need a second account)
Not too bothered, i’ve used the cheque imaging a few times.
If it where not for my dads need to withdraw large amounts of cash outside the UK he’d be better off moving to monzo with the card replacement fee.
(It’s his main account)
an imitation of the style of a particular writer, artist, or genre with deliberate exaggeration for comic effect.
There was no exaggeration. It was verbatim to make a point.
Starling also announced some costs for business accounts , including negative interest rates on balances over €50k (EUR)
Updates to the terms for Business and Sole Trader Accounts (including GBP, Euro and US Dollar Accounts) From 4th November, you’ll only be able to increase your daily bank transfer limit once per month per account. This limit increase will allow you to make bank transfers over 25,000 pounds, euros or dollars in a single day. If you need to do this more than once per month, you’ll need to subscribe to the new payments subscription (outlined below). Updates to the terms for Euro Personal and Business Accounts: We’ve updated our Euro Account terms to introduce an interest rate of -0.5% AER on deposits over €50,000. From 4th November, you’ll be charged interest for holding deposits over €50,000. For example, if you’ve got €51,000 in your account, you’ll only be charged interest on that extra €1,000. Interest will be accrued daily, and charged monthly. New product for Business and Sole Trader Accounts:
Out of interest, why is it justifiable that a negative interest rate can be passed on to customers, because Starling have been ‘eating the cost’ since last year, yet the expectations are for Monzo/Starling/A.N.Other.Fintech to ‘absorb the cost’ of card replacements (£4) or for people who use their accounts as spending cards and only ever withdraw cash?
Sure, cash withdrawals and debit cards are ‘part of an account’, but so is storing my money. How do you determine what falls foul of your expectations of what the bank should shoulder the overheads for?
Interest rates on accounts are linked to the base rate - in the Eurozone, the base rate is negative and has been for over a year and Starling only applies the negative rate on balances of over €50,000
I have no issue with Monzo charging for replacement cards on principle but due to not even offering 1 replacement free as standard.
I’m fully aware of it, but the point I was making is that Starling have been shouldering that cost for over a year. Banks shoulder a lot of other costs too, but I’m just trying to gauge where the line is between “it’s acceptable to pass on charge X” vs “it’s not acceptable for me, as a consumer, to pay that cost”.
Well it’s partly as Monzo actively marketed itself as a card for customers to use overseas.
I think the core functions of being a branchless mobile only bank should be available free of charge like paying on cash, cheque imaging and the debit card - as well as the app itself.
However, I agree that those who abuse free cards etc should be held accountable - and I’ve suggested elsewhere Monzo should just close the accounts of people ordering 1 card a week etc.
So Starling charging £5 regardless is better than Monzo only charging some people?
Interesting timing, these two changes within the same week. I wonder if either bank had wind of the others plans and changed timing accordignly.
I did find Starlings email much clearer, and much more to the point than Monzo’s, even if Monzo used more straight forward language.
Still don’t use Starling much mind.
