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Gareth Smith

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Review of the Starling Bank, Current Account:

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Very Transparent Banking with Good Innovations

Since I have started using my Starling account I have been impressed how transparent both notifications on my smartphone (for spending and incoming amounts) and next working day "look ahead" is; I had the former with another account provider but the Starling system just seems a lot better and easier to use. Similarly the ability to split a bill and "IOU" others is a complete game changer especially when dining out or similar. This and their approach to overdrafts and how Spaces (designated amounts that are "set aside") work with the overdraft are great innovations that I did not realise I wanted until I started using the Starling current account. I am currently considering switching my business banking to Starling simply due to the strong performance of their personal account as well as a Euro account as my partner and I take most of our holidays in Europe. Reviewed on: 3rd January 2020

Review of the Etika, Buy Now Pay Later:

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Very Good Company via Health Insurance

I have two Afford It Now agreements running via my insurance provider (Vitality), the scheme that Vitality and Afford It Now run together is very good and encourages activity (which should have a knock on effect with regard to health insurance). The only problems I have encountered have been down to Vitality recording activities and awarding points so not a factor in giving this rating to Afford It Now as nothing they had control over. Reviewed on: 5th June 2019

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