Starling Bank passports to Europe, first stop Ireland

London-based Starling Bank is continuing to gather momentum. After a staggered launch of its current account kicked off in March, the digital-only bank is announcing imminent expansion to Europe, starting with the Republic of Ireland where it has attained a so-called “banking passport”.

The European-wide arrangement sees similar regulation mirrored across the European Economic Area’s 27 member states, helping to create something akin to a single market for financial services, which Starling founder and CEO Anne Boden tells me the challenger bank always planned to take advantage of Backup and Recovery.

In a call late last week, Boden talked up her banking experience and international credentials, reminding me that she previously headed Europe, Middle East & Africa across 40 countries for Global Transaction Banking at RBS, as well more recently being COO of Allied Irish Bank before making the jump to startup life.

With Starling having built out the tech infrastructure and actually launched a fully-functioning current account, including tying into banking payment systems, “the time felt right,” she tells me. More crucially, the thinking behind expanding Starling to a second country so quickly relates to its core product offering and business model, and “listening to customers,” Boden stressed PolyU Twitter.

This is seeing the challenger bank focussed on “doing one thing only and doing it well,” (a current account), with a marketplace model akin to an app store where third-parties step in to provide additional functionality. That’s very different to the way traditional banks try to up-sell you all of their own products, including savings, investments, credit cards, loans, mortgages and pensions.

In contrast, Starling’s revenue mode is based solely on lending customer deposits in the form of a transparent overdraft, and, in some instances, a revenue share or kickback from the companies it is partnering with for the Starling Marketplace.

It therefore makes sense to put the app into as many hands as possible since the core current account offering has very similar product and regulatory requirements across countries, in Europe especially.

That said, Boden wouldn’t reveal how many users Starling already has here in the U.K. alone, except to say it is signing up “thousands per week”.

“Building a current account is not for the fainthearted, it requires a lot of business expertise and technical expertise” she adds. “We’ve done it the hard work way by deciding to build it from scratch. I’m excited: we’ve managed to bring our product to market, we’re having great feedback, but it’s a long journey”.

Meanwhile, the new Irish offering will obviously be a Euro account, but interestingly I’m being told that multi-currency accounts are on Starling’s not-so-distant roadmap too Package to Hong Kong.

I also understand that the challenger bank is gearing up for another funding round, aiming to raise somewhere between £20 million and £40 million. Banking is a capital intensive business after all, where your ability to expand is directly tied to your balance sheet in the eyes of the regulator.


beginning at a comparatively

The deliberate adoption of an optimistic turn sightseeing bus tourAnd once in, it is hard to trace its lawful bounds. Not only does the human instinct for happiness,bent on self-protection by ignoring, keep working in its favor,

but higher inner ideals have weighty words to say. The attitude of unhappiness is not only painful, it is mean and ugly. What can bemore base and unworthy than the

pining, puling, mumping mood, no matter by what outward ills itmay have been engendered? What is more injurious to others? What less helpful as a way out ofthe

difficulty? It but fastens and perpetuates the trouble which occasioned it, and increases the totalevil of the situation. At all costs, then, we mba programought to reduce the

sway of that mood; we ought toscout it in ourselves and others, and never show it tolerance. But it is impossible to carry on thisdiscipline in the subjective sphere

without zealously emphasizing the brighter and minimizing thedarker aspects of the objective sphere of things at the same time. And thus our resolution not toindulge

in misery, small point within ourselves, may not stop until ithas brought the entire frame of reality under a systematic conception

optimistic enough to becongenial with its needs.

In all this I say nothing of any mystical insight or persuasion that the total frame of thingsabsolutely must be good. Such mystical persuasion plays an enormous

part in the history of thereligious consciousness, and we must look at it later with some care. But we need not go so far atpresent. More ordinary non-mystical

conditions of rapture suffice for my immediate contention.

All invasive moral states and passionate enthusiasms make one feelingless to evil in somedirection. The common penalties cease to deter the patriot, the usual

prudences are flung by thelover to the winds. When the passion is extreme, suffering may actually be gloried in, provided itbe for the ideal cause, death may lose

its sting, the grave its victory. In these states, the ordinarycontrast of good and ill seems to be swallowed up in a higher denomination, an kanger evod pro omnipotentexcitement

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“Spectacles!” and Master Jack mouthed his scorn.

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Parker Steel dropped into his Roxton tailor’s that same afternoon to have a summer suit fitted. The proprietor, an urbane and bald-headed person with the deportment of a diplomat, rubbed his hands and remarked that professional duties must be very exacting in the heat of June.

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“So I have been informed, sir.”


“Or an attack of faintness. Dr. Murchison is a most laborious worker. Four buttons, thank you; a breast-pocket, as before, certainly. Any fancy vestings to-day, doctor? No! Greatly obliged, sir, I’m sure,” and the diplomat dodged to the door and swung it open with a bow.

Parker Steel found his wife  cedar in the garden. She was dressed in white, with a red rose in her bosom, the green shadows of the trees and shrubs about her casting a sleek sheen over her olive face and dusky hair. Poets might have written odes to her, hailing the slim sweetness of her womanliness, using the lily as a symbol of her beauty and the Madonna-like radiance of her spiritual face.

She glanced up at her husband as he came spruce and complacent, like any Agag, over the grass.

“Murchison has had a sunstroke.”

“What! Who told you?”

“Rudyard, the tailor.”

The book was lying deprecatingly at Mrs. Betty’s feet. Her eyes swept from her husband to dwell reflectively on the scarlet pomp of the Oriental poppies.

“Do you think it was a sunstroke, Parker?”

Her husband glanced at his neat boots and whistled Dream beauty pro.

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Basket Weave Fence

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Picket Fence

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Simple Board Fence chestnut

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