---
title: Starling Overdraft Rate & Real 30-Day Cost (August 2026)
description: Starling charges −£2.89 for 30 days overdrawn at £250 (15% EAR). See the full cost table and how it compares with all 15 UK banks.
image: https://overdrafts.com/brand/og/starling.png
canonical: https://overdrafts.com/starling/
updated: 2026-08-28
---

# 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 →](https://overdrafts.com/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](https://www.starlingbank.com/current-account/overdraft/) · 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.

[← Back to the leaderboard](https://overdrafts.com/#board)

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