STARLING BANK LIMITED
| Dimension | Evidenced | Coverage | Strength | Official |
|---|---|---|---|---|
| Regulatory Standing | 8/8 | 100.0% | 98.1% | 100.0% |
| Client Asset Protection | 5/7 | 71.4% | 100.0% | 100.0% |
| Cost Transparency | 8/11 | 72.7% | 85.0% | 100.0% |
| Security and Operational Controls | 2/7 | 28.6% | 62.5% | 50.0% |
| Corporate Transparency | 10/10 | 100.0% | 97.0% | 100.0% |
| Conduct and Track Record | 3/7 | 42.9% | 83.9% | 100.0% |
| All dimensions | 36/50 | 72.0% | — | 97.2% |
Regulatory Standing
Is the entity authorised, and by which regulator?
The Financial Services Register records Starling Bank Limited under firm reference number 730166, regulated by the Financial Conduct Authority with effect from 12/07/2016.
Statutory register · Financial Conduct Authority · FCA Register — Regulators · as at 10 September 2026 · Check the source
What is the entity's current authorisation status?
The register records the firm's status as "Authorised", effective from 12/07/2016. Business type: Regulated.
Statutory register · Financial Conduct Authority · FCA Register — Status · as at 10 September 2026 · Check the source
Which regulated permissions does the entity hold?
Of those permissions, 3 record a retail customer type: Making arrangements with a view to transactions in investments; Arranging (bringing about) deals in investments; Accepting Deposits.
Statutory register · Financial Conduct Authority · FCA Register — Permissions, customer types · as at 7 September 2026 · Check the source
The register records 10 regulated activity permission(s): Agreeing to carry on a regulated activity; Dealing in investments as principal; Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement); Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement); Credit Broking; Making arrangements with a view to regulated mortgage contracts; Arranging (bringing about) regulated mortgage contracts; Making arrangements with a view to transactions in investments; Arranging (bringing about) deals in investments; Accepting Deposits.
Statutory register · Financial Conduct Authority · FCA Register — Permissions · as at 7 September 2026 · Check the source
Is the entity an Appointed Representative, and of whom?
The FCA Register records Starling Bank Limited as directly Authorised, not as an Appointed Representative, so the question of whose appointed representative it is cannot arise
What trading names are registered to this entity?
The register records 3 current trading name(s): "Starling Bank" (Trading, from 24/08/2016); "Starling" (Trading, from 18/08/2016); "Starling Bank Limited" (Registered, from 18/08/2016).
Statutory register · Financial Conduct Authority · FCA Register — Names · as at 7 September 2026 · Check the source
The register also records 3 previous trading name(s): "Starling"; "Starling FS Limited"; "Possible FS Limited".
Statutory register · Financial Conduct Authority · FCA Register — Names, previous · as at 7 September 2026 · Check the source
Do the registered office and the regulator's recorded place of business agree?
The register records the registered office address as 5th Floor London Fruit And Wool Exchange, 1 Duval Square, London, E1 6PW, United Kingdom.
Statutory register · Companies House · registered_office_address · as at 5 September 2026 · Check the source
The FCA Register records the firm's Principal Place of Business as Starling Bank, London Fruit & Wool Exchange, 1 Duval Square, London, E1 6PW, UNITED KINGDOM. The Companies House registered office is recorded as 5th Floor London Fruit And Wool Exchange, 1 Duval Square, London, E1 6PW, United Kingdom. The two records agree on premises and postcode.
Statutory register · Financial Conduct Authority · FCA Register — Address, compared with Companies House · as at 7 September 2026 · Check the source
Are there requirements, restrictions or waivers on the permissions?
The register records 2 requirement(s) on this firm's permissions: OR-0200953 (effective 24/11/2017): The firm must not carry on any activity that would constitute consumer buy-to-let mortgage business as defined in Part 3 of the Mortgage Credit Directive Order 2015 (SI 910/2015) unless registered as a consumer buy-to-let mortgage firm | OR-0235052 (effective 06/11/2023): This firm can approve its own financial promotions as well as those of members of its wider group and, in certain circumstances, those of its appointed representatives..
Statutory register · Financial Conduct Authority · FCA Register — Requirements · as at 7 September 2026 · Check the source
What cross-border or passporting permissions does the register record?
The FCA Register records no passporting arrangements, and the firm markets only in the United Kingdom, so there is no other jurisdiction to be authorised in
Does the customer-facing brand map to the authorised entity?
The register records "Starling Bank"; "Starling"; "Starling Bank Limited" as registered trading name(s) of firm reference number 730166, and links that firm reference number to Companies House company number 09092149.
Statutory register · Financial Conduct Authority · FCA Register — Names and Companies House Number · as at 7 September 2026 · Check the source
Is regulatory status disclosed clearly to customers at point of sale?
Starling Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our firm reference number is 730166.
The client agreement states that Starling Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and gives its firm reference number as 730166.
Binding document · Starling Bank Limited · section 10, About us · as at 6 September 2026 · Check the source · transcribed by hand
Client Asset Protection
Does the entity hold client money or assets?
The register records the firm's client money permission as "Control but not hold client money".
Statutory register · Financial Conduct Authority · FCA Register — Client Money Permission · as at 10 September 2026 · Check the source
Who holds client money, and under which regime is it held?
The FCA Register records this firm's client money permission as 'Control but not hold client money', and the client agreement states that its main business is taking deposits from customers. Customer money is held as a bank deposit protected by the FSCS, not as client money under the FCA client money rules, so the question of segregation cannot arise
Which institutions hold segregated client money?
No qualifying source was located within the evidence window. This criterion requires: named banks in a filed or binding document
Which entity acts as custodian for client securities?
The FCA Register records ten regulated activity permissions for this firm, none of which is safeguarding and administration of assets. The firm arranges deals in investments but does not hold client securities, so the question of which entity acts as custodian for them cannot arise
Which entity acts as custodian of client assets, and is it a separate legal entity from the operator?
The FCA Register records ten regulated activity permissions for this firm, none of which is safeguarding and administration of assets. The firm holds no client securities, so the question of which entity custodies them and whether it is separate from the operator cannot arise
Which compensation scheme applies to the entity, or does none apply?
We can only protect money held by UK branches of authorised banks and building societies and credit unions.
The document states that FSCS protection applies to UK branches of authorised banks, building societies and credit unions.
Statutory register · Financial Services Compensation Scheme · as at 6 September 2026 · Check the source
What is the per-customer compensation limit?
Automatically compensated up to £120,000 per eligible person, per bank, building society or credit union.
The document states that FSCS automatically compensates up to £120,000 per eligible person, per bank, building society or credit union.
Statutory register · Financial Services Compensation Scheme · as at 6 September 2026 · Check the source
The protection limit is £120,000 per person per firm.
The document states the FSCS protection limit is £120,000 per person per firm.
Statutory register · Financial Services Compensation Scheme · as at 6 September 2026 · Check the source
Do compensation limits differ by product held?
If it's an unincorporated association, it would be protected up to £120,000.
The document states that if it's an unincorporated association, it would be protected up to £120,000.
Statutory register · Financial Services Compensation Scheme · as at 6 September 2026 · Check the source
Joint accounts are also eligible for FSCS protection up to the same limit of £120,000 per eligible person.
The document states that joint accounts are eligible for FSCS protection up to the same limit of £120,000 per eligible person.
Statutory register · Financial Services Compensation Scheme · as at 6 September 2026 · Check the source
If the charity is set up as a limited company, it would have protection up to £120,000.
The document states that a charity set up as a limited company would have FSCS protection up to £120,000.
Statutory register · Financial Services Compensation Scheme · as at 6 September 2026 · Check the source
If it's set up as a trust, protection is dependent on the type of trust.
The document states that if the charity is set up as a trust, protection is dependent on the type of trust.
Statutory register · Financial Services Compensation Scheme · as at 6 September 2026 · Check the source
FSCS can protect temporary high balances in your bank, building society or credit union account of up to £1.4m for six months.
The document states that FSCS can protect temporary high balances in a bank, building society or credit union account of up to £1.4m for six months.
Statutory register · Financial Services Compensation Scheme · as at 6 September 2026 · Check the source
Is there evidence of independent assurance over client asset arrangements?
No qualifying source was located within the evidence window. This criterion requires: auditor's client assets report or equivalent published assurance
What does the entity disclose about client assets if it fails?
You'll get your money within seven working days of a bank, building society or a credit union failing.
The document states that customers will get their money within seven working days of a bank, building society or credit union failing.
Statutory register · Financial Services Compensation Scheme · as at 6 September 2026 · Check the source
This means if Starling Bank goes out of business and your deposit is eligible, you'll still get your money back.
The document states that if Starling Bank goes out of business and the deposit is eligible, the customer will still get their money back.
Binding document · Starling Bank Limited · section 9, Financial Services Compensation Scheme · as at 10 September 2026 · Check the source · transcribed by hand
Are client assets subject to lending, rehypothecation or re-use?
The FCA Register records ten regulated activity permissions for this firm, none of which is safeguarding and administration of assets. The firm holds no client securities, so the question of whether they are lent, rehypothecated or re-used cannot arise
Cost Transparency
Is a complete fee schedule publicly available?
The exchange rates we use and our fees and charges are explained in the ‘rates, fees and charges’ section of your account schedule.
The general terms state that the exchange rates used and Starling's fees and charges are explained in the 'rates, fees and charges' section of the account schedule.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
What commission or dealing charges apply?
No qualifying source was located within the evidence window. This criterion requires: published fee schedule or client agreement
What is the FX or currency conversion charge?
We’ll also charge you a 0.4% conversion fee along with the Starling outbound exchange rate.
The document states that a 0.4% conversion fee applies to foreign currency payments, along with the Starling outbound exchange rate.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
We’ll charge a 0.4% transfer fee alongside the exchange rate, including between two Starling accounts.
The fee schedule states that a 0.4% transfer fee is charged alongside the exchange rate for sending money outside the UK, including between two Starling accounts.
Binding document · Starling Bank Limited · as at 14 October 2025 · Check the source
we’ll convert the foreign currency into British pounds using the Starling inbound exchange rate, which includes a margin
The agreement states that a margin is included in the Starling inbound exchange rate applied when converting foreign currency payments into the account.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
What reference rate does the entity state it uses for currency conversion?
If you use your current account to take out cash abroad or make a payment using your debit card in a currency other than British pounds, we’ll use the Mastercard exchange rate.
The general terms state that Starling will use the Mastercard exchange rate when a customer takes out cash abroad or makes a debit card payment in a currency other than British pounds.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
If we take money from a foreign currency account to pay for an account in British pounds, we’ll use whatever the Starling internal exchange rate is that day.
The general terms state that Starling will use the Starling internal exchange rate when taking money from a foreign currency account to pay for an account in British pounds.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
Starling’s inbound exchange rate is based on a mid-market point calculated from third-party exchange rates, plus a margin.
The document states that Starling's inbound exchange rate is based on a mid-market point calculated from third-party exchange rates, plus a margin.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
When you make an international payment by card, we’ll normally make it in the British pounds equivalent of the foreign currency using the Mastercard exchange rate.
The agreement states that international card payments are made using the Mastercard exchange rate.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
When you make an international payment by card, we’ll normally make it in the British pounds equivalent of the foreign currency using the Mastercard exchange rate.
The terms state that for international card payments, the payment is normally made in the British pounds equivalent of the foreign currency using the Mastercard exchange rate.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
What spread or implicit cost applies, and is it disclosed?
Starling’s inbound exchange rate is based on a mid-market point calculated from third-party exchange rates, plus a margin.
The document discloses that a margin is added to the mid-market rate used for Starling's inbound exchange rate.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
Are there account, platform or custody fees?
Maintaining the account £0
The fee schedule lists a £0 fee for maintaining the account under general account services.
Binding document · Starling Bank Limited · as at 14 October 2025 · Check the source
We won’t charge you any fees for opening or running your account.
The document states that no fees are charged for opening or running the account.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
Are there inactivity or dormancy charges?
No qualifying source was located within the evidence window. This criterion requires: fee schedule or client agreement
What withdrawal, transfer-out or closure charges apply?
Sending money within the UK (Sterling) Faster Payments £0 CHAPS £20
The fee schedule lists a £20 fee for CHAPS payments when sending money within the UK.
Binding document · Starling Bank Limited · as at 14 October 2025 · Check the source
Cash withdrawal in pounds in the UK £0
The fee schedule lists a £0 fee for cash withdrawal in pounds in the UK under cards and cash.
Binding document · Starling Bank Limited · as at 14 October 2025 · Check the source
Sending money outside the UK £0.30 to £5.50
The fee schedule states that sending money outside the UK costs £0.30 to £5.50.
Binding document · Starling Bank Limited · as at 14 October 2025 · Check the source
We charge a fee for making a CHAPS payment.
The agreement states that a fee is charged for making a CHAPS payment.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
If you need your statement certified in a different way, or you want to certify any other documents, we might charge you a £20 fee.
The document states that certifying a statement in a different way, or certifying other documents, may incur a £20 fee.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
Replacement debit card (UK address) £5 per card
The fee schedule lists a £5 per card fee for replacement debit cards sent to a UK address.
Binding document · Starling Bank Limited · as at 14 October 2025 · Check the source
High-value payments using CHAPS Yes, £20 per payment
The fee schedule states that CHAPS high-value payments incur a charge of £20 per payment.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
Replacement debit card (overseas) £10 per card
The fee schedule lists a £10 per card fee for replacement debit cards sent overseas.
Binding document · Starling Bank Limited · as at 14 October 2025 · Check the source
Certifying your account documents £20
The fee schedule states that certifying account documents costs £20.
Binding document · Starling Bank Limited · as at 14 October 2025 · Check the source
If you decide to close your account, we won’t charge you any fees, but you’ll need to repay any money you owe us.
The agreement states that no fees are charged if a customer decides to close their account, though owed money must still be repaid.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
In British pounds in the UK We won’t charge, but you might be charged a fee by some cash machine providers.
The document states that Starling won't charge for cash withdrawals in British pounds in the UK, but cash machine providers might charge their own fee.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
If you need to replace your debit card, we can charge you a £5 fee.
The document states that a £5 fee applies to replace a debit card.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
Do headline marketing claims match the binding fee schedule?
No qualifying source was located within the evidence window. This criterion requires: direct comparison of marketing page against client agreement
Are interest arrangements on cash balances disclosed, including any retained share?
Please see ‘Interest rates’ section in the ‘Rates, fees and charges’ section of your account schedule for further details of any interest paid on positive balances.
The general terms state that further details of any interest paid on positive balances are set out in the 'Interest rates' section of the account schedule's 'Rates, fees and charges' section.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
You won’t earn any interest on this account. This means we won’t pay you interest on your balance.
The document states that no interest is paid on the account balance.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
How much notice is given before charges or terms change?
we’ll let you know about any changes we make at least two months before they come into effect.
The agreement states that customers will be told about changes at least two months before they take effect.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
Security and Operational Controls
Is multi-factor authentication offered, and is it mandatory or optional?
some transactions might need a passcode or for you to use biometric data (e.g. a fingerprint).
The document states that some transactions might require a passcode or biometric data such as a fingerprint as part of security checks.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
Sometimes, we may ask you to complete two different security checks before we make a payment.
The document states that customers may sometimes be asked to complete two different security checks before a payment is made.
Binding document · Starling Bank Limited · as at 5 September 2026 · Check the source
Are recognised security certifications held?
No qualifying source was located within the evidence window. This criterion requires: certificate or certifying body's register — never the entity's claim alone
Is there a published vulnerability disclosure or bug bounty route?
No qualifying source was located within the evidence window. This criterion requires: published policy page
Have security or data incidents been publicly disclosed, and how were they handled?
No qualifying source was located within the evidence window. This criterion requires: regulator notice, ico action, or contemporaneous independent reporting
Are operational resilience or continuity arrangements disclosed?
No qualifying source was located within the evidence window. This criterion requires: filed accounts, regulatory disclosure, or published policy
Have material service outages been reported, and were they disclosed by the entity?
All Systems Operational
The entity's published status page states that all systems were operational.
Published by the firm · Starling Bank Limited · as at 6 September 2026 · Check the source
No incidents reported.
The entity's status page reports no incidents for Sep 5, 2026.
Published by the firm · Starling Bank Limited · as at 5 September 2026 · Check the source
Is a data protection registration in place, and with whom?
No qualifying source was located within the evidence window. This criterion requires: ico register or equivalent
Corporate Transparency
What is the entity's registered company number and legal form?
The register records company number 09092149, registered as "STARLING BANK LIMITED", legal form "ltd", status "active".
Statutory register · Companies House · company profile · as at 5 September 2026 · Check the source
Who are the persons with significant control?
The PSC register records 1 active person(s) with significant control: Starling Intermediate Holdings Limited (corporate-entity-person-with-significant-control; ownership-of-shares-75-to-100-percent, voting-rights-75-to-100-percent, right-to-appoint-and-remove-directors).
Statutory register · Companies House · PSC register · as at 5 September 2026 · Check the source
What is the group structure above this entity?
The PSC register records 1 corporate entity controller(s): Starling Intermediate Holdings Limited.
Statutory register · Companies House · PSC register (corporate entities) · as at 5 September 2026 · Check the source
Which jurisdiction is the ultimate parent registered in?
The PSC register records the corporate controller(s) as: Starling Intermediate Holdings Limited, registration number 16240204, registered in England, legal form Private Company Limited By Shares, under England And Wales.
Statutory register · Companies House · PSC register, corporate identification · as at 5 September 2026 · Check the source
Are accounts filed on time and to the required standard?
The register records: next accounts due 2027-12-31; last accounts made up to 2026-03-31; the register flags accounts as not overdue.
Statutory register · Companies House · accounts · as at 5 September 2026 · Check the source
Are the accounts audited, and by whom?
for and on behalf of KPMG LLP, Statutory Auditor
The report is signed on behalf of KPMG LLP as Statutory Auditor.
Binding document · Companies House (filed by the company) · Independent auditor's report, signature block · as at 27 May 2026 · Check the source · transcribed by hand
We have audited the financial statements of Starling Bank Limited ("the Company") for the year ended 31 March 2026
The auditor states that they audited the financial statements of Starling Bank Limited for the year ended 31 March 2026.
Binding document · Companies House (filed by the company) · Independent auditor's report, opinion · as at 27 May 2026 · Check the source · transcribed by hand
Is there a going-concern qualification or emphasis of matter?
We consider that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate
The auditor's report states that the directors' use of the going concern basis of accounting is appropriate.
Binding document · Companies House (filed by the company) · Independent auditor's report, going concern · as at 27 May 2026 · Check the source · transcribed by hand
When was the entity incorporated?
The register records incorporation on 2014-06-18.
Statutory register · Companies House · date_of_creation · as at 18 June 2014 · Check the source
Have there been recent changes of control, name or registered office?
The filing history records 21 change filing(s) in the most recent 35 entries. Most recent: 2026-07-14: appoint-person-director-company-with-name-date; 2026-07-03: termination-director-company-with-name-termination-date (3 filings); 2026-06-26: termination-director-company-with-name-termination-date; 2026-06-26: appoint-person-director-company-with-name-date; 2026-06-18: termination-director-company-with-name-termination-date (2 filings).
Statutory register · Companies House · filing history · as at 5 September 2026 · Check the source
The register records 2 previous company name(s): "STARLING FS LIMITED" until 2016-07-15; "POSSIBLE FS LIMITED" until 2016-01-05.
Statutory register · Companies House · previous_company_names · as at 5 September 2026 · Check the source
Are directors disqualified, or associated with disqualification?
A name search of the register of disqualified directors was run against the 8 active officer(s) recorded for this company on 2026-09-05. 1 name(s) returned one or more register entries. A name match does not establish that these are the same individuals: identity requires confirmation against date of birth and appointment history, which we have not performed. No individual is named here for that reason.
Statutory register · Companies House · disqualified officers search · as at 5 September 2026 · Check the source
Conduct and Track Record
Are there published regulatory enforcement actions against this entity?
The Financial Services Register records a disciplinary history entry against this firm, of type "Fines", under FSMA, effective from 27/09/2024. The register describes it as: "A final notice has been issued in relation to failings in Starling Bank Limited's financial crime systems and controls as well as their breaches of a Voluntary Requirement (VREQ). https://www.fca.org.uk/publication/final-notices/starling-bank-limited-2024.pdf"
Statutory register · Financial Conduct Authority · FCA Register — Disciplinary History · as at 27 September 2024 · Check the source
Are there published enforcement actions against the parent or sister entities?
No qualifying source was located within the evidence window. This criterion requires: regulator's own publication, entity-matched
Are there published warnings or unauthorised-firm alerts naming this entity or a clone?
A register search for this firm's name returns 2 entr(ies) flagged as unauthorised, including firms the register identifies as clones: "Starling Credit (Clone of FCA Authorised Firm) (Postcode: n/a)" (Unauthorised); "starling-bonds.com (Postcode: n/a)" (Unauthorised). These entries concern third parties impersonating the authorised firm, not the authorised firm itself.
Statutory register · Financial Conduct Authority · FCA Register — Common Search, unauthorised entries · as at 7 September 2026 · Check the source
What complaints data does the entity publish, as required?
No qualifying source was located within the evidence window. This criterion requires: the entity's mandatory complaints return
What complaint volumes does the ombudsman publish about the entity?
In the Financial Ombudsman Service's half-yearly business complaints data, the row for Starling Bank Limited records 1142 under the column "Total New Cases".
Statutory register · Financial Ombudsman Service · half-yearly business complaints data, Total New Cases · Check the source
Is there material litigation of public record?
No qualifying source was located within the evidence window. This criterion requires: court judgment or filed proceedings
Have directors been subject to published regulatory action individually?
No qualifying source was located within the evidence window. This criterion requires: regulator's individual register
Criteria that do not apply to this firm
The FCA Register records this firm's client money permission as 'Control but not hold client money', and the client agreement states that its main business is taking deposits from customers. Customer money is held as a bank deposit protected by the FSCS, not as client money under the FCA client money rules, so the question of segregation cannot arise
The FCA Register records ten regulated activity permissions for this firm, none of which is safeguarding and administration of assets. The firm arranges deals in investments but does not hold client securities, so the question of which entity acts as custodian for them cannot arise
The FCA Register records ten regulated activity permissions for this firm, none of which is safeguarding and administration of assets. The firm holds no client securities, so the question of which entity custodies them and whether it is separate from the operator cannot arise
The FCA Register records ten regulated activity permissions for this firm, none of which is safeguarding and administration of assets. The firm holds no client securities, so the question of whether they are lent, rehypothecated or re-used cannot arise
The FCA Register records Starling Bank Limited as directly Authorised, not as an Appointed Representative, so the question of whose appointed representative it is cannot arise
The FCA Register records no passporting arrangements, and the firm markets only in the United Kingdom, so there is no other jurisdiction to be authorised in
What these figures measure. They describe the evidence we found, not the firm’s conduct. Where a criterion reads “not found”, we could not confirm it from public sources — that carries no negative inference.
Where the record shows no published enforcement action, that means our search of the register found none on the date stated. It is not a finding that no misconduct occurred.
If you are STARLING BANK LIMITED and believe something here is wrong, write to corrections@veracentintelligence.co.uk. We will provide the evidence behind any finding, correct what we get wrong, and publish a statement of up to 300 words alongside anything we still disagree about.