Starling overdraft: the real cost
The second-cheapest overdraft on the board right now.
What 30 days overdrawn costs
| Amount overdrawn | Cost over 30 days |
|---|---|
| £100 | −£1.16 |
| £250 | −£2.89 |
| £500 | −£5.78 |
15% EAR · best tier · No interest-free buffer
How the £250 figure is worked out
- Amount charged interest
- £250
- Daily rate from 15% EAR
- 0.0383%
- Cost over 30 days
- −£2.89
#2 of 15 cheapest at £250 · cheapest right now: First Direct →
Rate history
No rate changes on record: verified unchanged back to April 2020 across 56 archived snapshots of Starling’s own pages, and checked daily since tracking began 28 August 2026.
Sources
- Starling’s published overdraft rate page · checked 28 August 2026
Common questions
How much does the Starling overdraft cost?
At £250 overdrawn for 30 days, Starling charges −£2.89 at its advertised 15% EAR. At £100 it’s −£1.16; at £500, −£5.78.
Does Starling have an interest-free buffer?
No. Interest applies from the first pound of an arranged overdraft.
Is Starling the cheapest overdraft?
Not at £250 overdrawn: it ranks #2 of 15. The cheapest right now is First Direct. The full leaderboard has every bank.