Starling Referral Code 1NPLM4N — Get £25 Free Cash

About This Offer

Starling Bank is an award-winning digital bank based in the UK, known for its fee-free current account, real-time spending notifications, and excellent in-app budgeting tools. It has consistently been rated one of the best banks in the country by customers.

Starling has reopened its refer-a-friend programme. Open a new Starling account with referral code 1NPLM4N, make a qualifying payment within 30 days, and both you and the referrer can receive £25 when the reward conditions are met.

💷 What the Starling Referral Deal Pays

The current Starling referral offer pays £25 free cash to the new customer and £25 to the referrer when the new customer signs up with referral code 1NPLM4N and completes the required payment step.

Verified July 2026 against Starling’s Refer a Friend terms and the owner-supplied in-app referral message.

The reward is paid into a Space in your Starling account after the conditions are met. T&Cs apply.

How to Claim the £25 Starling Bonus

Follow these steps to make sure the referral tracks and the £25 reward is eligible to pay:

• Download the Starling app: Get the Starling Bank app from the App Store or Google Play.
• Enter the referral code: During sign-up, enter referral code 1NPLM4N when prompted.
• Open your account: Follow the in-app steps to open a personal current account. You will need to verify your identity with a photo ID and a selfie.
• Make one payment: Use your Starling card or account to make at least one qualifying payment within 30 days of opening your account.
• Get your £25: Starling pays the reward into a dedicated Space once the reward conditions are met.

What counts as a qualifying payment?

Most everyday payments count — shopping, subscriptions, contactless payments, and online purchases. However, some transactions do not qualify: refunds, foreign currency payments, gambling transactions, bank transfers, e-money top-ups, standing orders, and Direct Debits are all excluded. A simple card payment at a shop or online retailer is the easiest way to qualify.

Key Terms & Conditions

• New Customers Only: You must not already hold or have previously held a Starling Bank account (including business accounts).
• UK Residents: You must be a UK resident aged 18 or over.
• Payment Required: You must make at least one qualifying payment within 30 days of opening your account.
• Referral Code: You must enter the code 1NPLM4N during the application process.

Why Choose Starling Bank?

Starling has won Best British Bank multiple years running. The account is completely free with no monthly fees. You get instant spending notifications, fee-free spending abroad, easy budgeting tools called Spaces, and excellent customer support through the app.

It is a genuine full-featured bank account, not just a prepaid card. You can set up Direct Debits, receive your salary, and manage everything from your phone. Your money is protected by the FSCS up to £120,000 (the deposit limit since December 2025).

Can I refer friends after signing up?

Yes. If Starling invites you into the programme after you open an account, you may receive your own referral code in the app. Starling can pause or end referral promotions, and referrers are only eligible for the promotion shown in their app, so always check your own Refer a Friend screen before sharing.

Compare digital banks