The Starling Business account sign-up is very streamlined and for most people, it is quick (maybe 10 minutes). The only downside is that you can’t go back a step, so whatever you submit on one screen cannot be edited again during the application steps.
You need a picture ID which has to be a passport, UK driving licence (full or provisional), EU/EEA ID card or UK Residence Card. Some applicants may also need to provide additional documentation such as invoices, payslips, accountant’s letters or bank statements to prove the nature of their business. During the sign-up, you will be asked to do a short video recording on your phone of yourself saying a sentence in order to verify your identity.
During the sign-up, sole traders are required to create a personal Starling account before adding a sole trader account through the app after being approved. Limited companies and partnerships can create a business account without a personal Starling account attached.
Signing up will prompt Starling to do a soft credit check, which won’t affect your credit score or be visible to other financial service companies.
Approval takes less than a day in most cases, after which you can use the account straight away. The business debit card takes a few working days to arrive after that. Sole traders will receive two separate cards, one for the personal account and the other for the business account. For us, the cards arrived only two days after signing up.