Have they changed it recently? I’ve never had a problem withdrawing from goals/spaces, but I’ve been confused about whether I’m adding money or taking it out (frequently doing the opposite to my intention).
Speaking of UX, Starling’s pots/goals is the least of your concerns. Their main issue is the stupid circle graph you always need to swipe up, the mandatory PIN/Touch ID and the password requirement when making payments (with no support for any kind of password manager).
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Checking my fingerprint takes about 0.01 seconds
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It’s still 0.01 seconds, and it adds up when you have to switch apps back and forth (to grab your password from the PW manager for example).
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LastPass works for me.
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I had a very good customer service interaction with Starling about a week ago with a person called Tom ( spooky 
) I was trying to top up my national lottery account ,tried twice, refused twice, got in touch through app and was answered within a couple of minutes, polite, helpful and sorted my “problem” out within a minute - gambling block on in app - doh - not sure how much of a gambling disincentive it is if you can toggle it on and off at will though ??? I do like their other “card controls” to payments
their customer services seem to have improved - for me anyway in this one time interaction
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Yeah Tom’s got an evening job there - thought you’d have known? 
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I think one of the spookiest things for me was getting an advisor called Ryan K 
Reading the chat transcript back, it gets confusing who is actually who haha!
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I see Starling are now helping RBS build a digital bank! I’ve always thought their app looked like something RBS or NatWest would build. I thought Starling used third parties for a lot of components anyway. Wasn’t that how they got to market before Monzo?
That and being older.
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They used GPS as their card processor and Bottomline Technologies’ cloud solution for FPS processing, but that’s about it as far as I’m aware.
Two pretty fundamental parts then? Not sure what they have that RBS doesn’t…
It Starling didn’t want to be acquired by RBS then they’d never help them improve their product.
It feels like they’re going on a second date (first date was partnering for cash deposits in branch).
Next thing they’ll be carrying out pen tests together 
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…or handling their international payments…and perhaps saving accounts… Shock horror!
Interesting to see RBS closing record number or branches, now more partnerships with starling.
R B Startlinged if they don’t merge. Maybe that’s why they don’t worry about customer numbers, it’s simply a proof of concept.
Good luck with whatever the outcome, definitely interesting times !!
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I think I would probably refuse to use Starling if they’d to be come a part of the RBS portfolio. I’ve had nothing but negative experiences with them and would not touch any of their products with a bargepole in the future.
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I can imagine RBS are scared of being future proof, they are pretty much as old school as they come in some ways, but also are quiet good at being first from legacy for new features
Really? For an old bank… i’d say they’re changing rapidly with some of their products, take this for example:
They’re also pretty quick at updating their app to add in new features (in comparison to HBOS).
As for the Starling/RBS talk, personally… don’t see a merger/takeover happening. RBS are developing stuff in house and providing services to Starling… probably now at a reduced cost for Starling in a knowledge sharing/development exercise.
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Equally possible, but if RBS have always been so good developing in house why get help from Starling ? Just curious
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RBS want to create a digital bank, why not save time and learn from someone who does it already?
Remember, this challenger is being created off site, quite possibly with a new development team who haven’t been exposed to the years of historical crap that RBS probably has internally (knowing people who work there, there’s a few things they do… ‘because that’s how it’s always been done’)
Starling maybe provided the knowledge exchange in terms of cheaper rates for using their branches (for cash deposits).
Of course this is all speculation, but it doesn’t point to take over.
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