{"id":59482,"date":"2025-11-14T10:53:53","date_gmt":"2025-11-14T10:53:53","guid":{"rendered":"https:\/\/devtechnosys.com\/insights\/?p=59482"},"modified":"2025-11-14T10:53:53","modified_gmt":"2025-11-14T10:53:53","slug":"develop-a-mobile-banking-app-like-starling","status":"publish","type":"post","link":"https:\/\/devtechnosys.com\/insights\/develop-a-mobile-banking-app-like-starling\/","title":{"rendered":"How to Develop a Mobile Banking App Like Starling?"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The banking experience has changed a lot due to the arrival of banking applications,making it easier, faster, and convenient. Thanks to this advancement in technology, people can apply for a bank account online in minutes, for free, with just a few taps on their phone. The market is filled with various banking applications, but Starling stood out as the most trusted and reliable one.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">As of 2025, Starling has secured over 4.6 million customers, projecting steady and unstoppable growth across the UK and Europe. It is one reason why many new businesses want to invest in Starling app development.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">But the challenge lies in how to develop a mobile banking app like Starling that can make money management as seamless, simple, and satisfying as Starling does. Today\u2019s guide to build a Starling clone app takes you through every step, factor, and feature you need to know in order to build a mobile banking app like Starling. So, keep reading till the end!\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Mobile_Banking_App_Market_Stats\"><\/span><b>Mobile Banking App Market Stats<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The <a href=\"https:\/\/www.alliedmarketresearch.com\/mobile-banking-market\" target=\"_blank\" rel=\"nofollow noopener\">global mobile banking market<\/a> was valued at <\/span><b><i>$1.5<\/i><\/b><span style=\"font-weight: 400;\"> billion in <\/span><b><i>2022<\/i><\/b><span style=\"font-weight: 400;\">, and is projected to reach <\/span><b><i>$7<\/i><\/b><span style=\"font-weight: 400;\"> billion by <\/span><b><i>2032<\/i><\/b><span style=\"font-weight: 400;\">, growing at a CAGR of <\/span><b><i>16.8%<\/i><\/b><span style=\"font-weight: 400;\"> from <\/span><b><i>2023<\/i><\/b><span style=\"font-weight: 400;\"> to <\/span><b><i>2032<\/i><\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><i>39%<\/i><\/b><span style=\"font-weight: 400;\"> of banking executives mentioned that reducing costs is where technology has the greatest impact, compared to only<\/span><b><i> 24%<\/i><\/b><span style=\"font-weight: 400;\"> cited improving customer experience<\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-59506 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Mobile-Banking-App-Market-Stats.png\" alt=\"Mobile Banking App Market Stats\" width=\"523\" height=\"343\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Mobile-Banking-App-Market-Stats.png 523w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Mobile-Banking-App-Market-Stats-300x197.png 300w\" sizes=\"auto, (max-width: 523px) 100vw, 523px\"><\/p>\n<p>\u00a0<\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">North America held the highest mobile banking market share in <\/span><b><i>2022<\/i><\/b><span style=\"font-weight: 400;\">, owing to the fact that North American mobile banking apps are increasingly incorporating biometric authentication methods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The key growth strategies of mobile banking players include product portfolio expansion, mergers &amp; acquisitions, agreements, business expansion, and collaborations.<\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Starling_App\"><\/span><b>What is a Starling App?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Starling is a UK-based mobile banking app that offers complete personal, business, and joint bank accounts via mobile phones and web apps. It was built with the aim of making the banking experience better, fairer, simpler, and more transparent for customers, without involving hidden costs and slow services that are common with traditional banks.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Starling mobile banking app USA combines instant account management, powerful analytics, and comprehensive security, providing a future-ready digital banking experience.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The Starling app is a native platform built for iOS (Swift) and Android (Kotlin), backed up by a cloud-native core banking platform to ensure speed, scalability, and real-time data. It utilizes AI to detect fraud, analyze spending, and automate customer support, ensuring a secure and intelligent banking experience.\u200b This makes Starling the best mobile banking app in the USA.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Why_Should_Businesses_Invest_in_Developing_a_Mobile_Banking_App_Like_Starling\"><\/span><b>Why Should Businesses Invest in Developing a Mobile Banking App Like Starling?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">There are various benefits for businesses in investing in <\/span><a href=\"https:\/\/devtechnosys.com\/ewallet-app-development.php\">mobile wallet app development<\/a><span style=\"font-weight: 400;\">. Mobile wallet apps add to the\u00a0 benefits by enabling secure transactions and unlocking valuable behavioral insights. Here are some of the reasons why businesses should develop an app like Starling:\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-59504 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Why-Should-Businesses-Invest-in-Developing-a-Mobile-Banking-App-Like-Starling.jpg\" alt=\"Why Should Businesses Invest in Developing a Mobile Banking App Like Starling?\" width=\"1000\" height=\"500\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Why-Should-Businesses-Invest-in-Developing-a-Mobile-Banking-App-Like-Starling.jpg 1000w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Why-Should-Businesses-Invest-in-Developing-a-Mobile-Banking-App-Like-Starling-300x150.jpg 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Why-Should-Businesses-Invest-in-Developing-a-Mobile-Banking-App-Like-Starling-768x384.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\"><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Market_expansion\"><\/span><b>1. Market expansion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Apps make banking borderless, helping acquire customers globally and serve younger, digital-first generations. Market expansion gives rise to creating multiple income channels which is one of the biggest reasons for businesses to develop a mobile banking app like Starling.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Enhanced_customer_engagement\"><\/span><b>2. Enhanced customer engagement<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/devtechnosys.com\/mobile-banking-app-development.php\">Banking app development<\/a><span style=\"font-weight: 400;\"> like Starling can help businesses by getting more engagement from businesses. Mobile banking apps offer 24\/7 secure access to core financial services, send instant notifications about transactions, and offer tailored notifications, chat support, and loyalty programs, enhancing user engagement and loyalty.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<p><button type=\"button\" class=\"modalTrigger\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-59510 aligncenter\" style=\"cursor: pointer;\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2023\/11\/create-features-for-BNPL-app.jpg\" alt=\"create features for BNPL app\" width=\"1151\" height=\"253\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2023\/11\/create-features-for-BNPL-app.jpg 1500w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2023\/11\/create-features-for-BNPL-app-300x66.jpg 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2023\/11\/create-features-for-BNPL-app-1024x225.jpg 1024w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2023\/11\/create-features-for-BNPL-app-768x169.jpg 768w\" sizes=\"auto, (max-width: 1151px) 100vw, 1151px\"><\/button><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Streamlined_operations\"><\/span><b>3. Streamlined operations<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Mobile banking app like Starling automate repetitive and time-consuming financial tasks. Businesses should develop an app like Starling with features like automated payments and instant funds transfer to ensure faster decision-making, lower labor costs, and more efficient payroll and transaction management.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Scalability\"><\/span><b>4. Scalability<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Through scalable<\/span> e-wallet app development<span style=\"font-weight: 400;\">, businesses can tap into new customer segments, expand geographically, and add new features as needed. Flexible and scalable mobile systems can provide tailored information and analytics that helps businesses adapt and grow with latest technologies.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Higher_brand_recognition\"><\/span><b>5. Higher brand recognition<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Starling\u2019s mobile banking app proved an indispensable part of business in terms of brand recognition. Create an app like Starling that catches the attention of users scrolling down and encourages them to install. It helps startups find the right audience and establish a foothold in the competitive marketplace.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"6_Increased_sales\"><\/span><b>6. Increased sales<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/devtechnosys.com\/fintech-software-development.php\">Fintech app development<\/a><span style=\"font-weight: 400;\"> like Starling enables businesses to offer enhanced customer experiences, such as fast payments, personalized financial products, loyalty rewards, and data-driven recommendations. Its value-added services help businesses boost customer satisfaction, encourage loyalty, and increase upselling and cross-selling opportunities.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Business_Model_of_the_Starling_Banking_App\"><\/span><b>Business Model of the Starling Banking App<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Before learning how to develop an app like Starling, let\u2019s learn about the business model needed to build a Starling clone app. Starling operates completely online, eliminating the need for branches, and uses AI technology to provide enhanced customer value and profitability.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-59496 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Business-Model-of-the-Starling-Banking-App.jpg\" alt=\"Business Model of the Starling Banking App\" width=\"1000\" height=\"500\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Business-Model-of-the-Starling-Banking-App.jpg 1000w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Business-Model-of-the-Starling-Banking-App-300x150.jpg 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Business-Model-of-the-Starling-Banking-App-768x384.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\"><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Interest_and_Lending\"><\/span><b>1. Interest and Lending<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">On loans, overdrafts, and credit lines for individuals or businesses, Starling receives interest. A loan portfolio comprising consumer loans, SME funding, and government-backed lending programs that you can add to an app similar to Starling.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Fees_for_Interchange\"><\/span><b>2. Fees for Interchange<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The bank receives a tiny interchange charge from retailers each time a consumer pays with a Starling Mastercard. The micro-revenues bank generates a consistent flow of income from the millions of card transactions that are completed each month.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Banking_Services_for_Businesses\"><\/span><b>3. Banking Services for Businesses<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">One of the fastest-expanding markets for apps like Starling is business accounts. Starling generates income through account subscriptions, interest margins, and accounting platform connectors. Additionally, business clients have access to multi-currency accounts and merchant services for international transactions.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Marketplace_Partnerships\"><\/span><b>4. Marketplace Partnerships<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Starling collaborates with third-party fintechs via an in-app marketplace to provide various financial products. It includes insurance, pensions, investments, and loans. Customers need to pay a small commission fee to the bank whenever they use their service.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Treasury_and_Deposits\"><\/span><b>5. Treasury and Deposits<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">A similar app like Starling must reinvest customers \u2018 deposits into low-risk assets and treasury operations.<\/span> <a href=\"https:\/\/devtechnosys.com\/fintech-software-development.php\">Financial app development<\/a><span style=\"font-weight: 400;\"> with treasury and deposit features allows businesses to<\/span><span style=\"font-weight: 400;\"> generate income through interest spreads while ensuring safety and liquidity.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"6_Banking-as-a-Service_BaaS\"><\/span><b>6. Banking-as-a-Service (BaaS)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Starling now provides banking infrastructure to other fintechs. Its BaaS platform allows third-party companies to leverage the BaaS in the license for their financial products. Starling\u2019s BaaS creates a scalable, high-margin revenue source.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Top_10_Starling_Alternatives_to_Explore_in_2025\"><\/span><b>Top 10 Starling Alternatives to Explore in 2025<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Before exploring the steps to develop a mobile banking app like Starling, let\u2019s take a step back and see the top 10 similar apps like Starling. All the Starling alternatives listed below excel in different areas, such as budgeting, international features, and cashback rewards<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-59501 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Top-10-Starling-Alternatives-to-Explore-in-2025.jpg\" alt=\"Top 10 Starling Alternatives to Explore in 2025\" width=\"1000\" height=\"500\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Top-10-Starling-Alternatives-to-Explore-in-2025.jpg 1000w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Top-10-Starling-Alternatives-to-Explore-in-2025-300x150.jpg 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Top-10-Starling-Alternatives-to-Explore-in-2025-768x384.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\"><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"App_Name\"><\/span><b>App Name<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Launch_Year\"><\/span><b>Launch Year<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Best_For\"><\/span><b>Best For<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Rating\"><\/span><b>Rating<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Platform_Availability\"><\/span><b>Platform Availability<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Monzo<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2015<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Everyday digital banking<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">UK, US<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Revolut<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2015<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Global payments &amp; trading<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">160+ countries<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Kroo<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2016<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Social &amp; eco-friendly banking<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">UK<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Chase<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2021<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Reliable US digital banking<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">US, UK<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Monese<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2015<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Banking for expats<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">UK, EU<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">N26<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Travel-friendly mobile banking<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.8<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Europe<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Tide<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2017<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Business banking for SMEs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">UK, India<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">ViaSat<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1986<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Global connectivity services<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Global<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">OneWeb<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2012<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Satellite internet provider<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Global<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inmarsat<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1979<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Satellite communication services<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Global<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"What_are_the_Steps_to_Develop_a_Mobile_Banking_App_Like_Starling\"><\/span><b>What are the Steps to Develop a Mobile Banking App Like Starling?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In this section, we will discuss the steps to develop a mobile banking app like Starling. Follow the below given steps to build an app like Starling with a systematic, multi-phase process prioritizing research, regulatory compliance, robust functionality, and a superior user experience.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Step_1_Market_Research_Define_Objectives\"><\/span><b>Step 1: Market Research &amp; Define Objectives<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Starling banking<\/span> mobile wallet app development <span style=\"font-weight: 400;\">begins with detailed market research to determine target audience, competitors, market trends, and regulatory environment: state business objectives and user personas for banking apps. Doing comprehensive research before starting can help make more data-driven decisions and sketch a better roadmap to create an app like Starling.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Step_2_Features_Planning_Prioritization\"><\/span><b>Step 2: Features Planning &amp; Prioritization<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">To build a mobile banking app like Starling, add crucial features such as easy account setup and log-in, instant fund transfers, push notifications, budgeting tools, and strong security measures.\u200b When you develop a mobile banking app like Starling, consider adding advanced features like biometric authentication, bill payments, integrations, and multi-language support based on business needs and budget.\u200b<\/span><\/p>\n<p>\u00a0<\/p>\n<p><span data-teams=\"true\">\n\n\n\n\n\n\n      <div class=\"cnw-newsletter-box\">\n                <div class=\"consultation-card\">\n            <div class=\"text-content\">\n                <div class=\"consultation-title\">Let's talk about your project?<\/div>\n                <p>You can reach out anytime; we are available 24\/7. Our team provides a quick response.<\/p>\n                <form method=\"post\" onsubmit=\"submitNewsletter(event)\">\n                    <input type=\"hidden\" id=\"post_id\" value=\"59482\" name=\"post_id\">\n                    <input type=\"hidden\" name=\"ipaddress\" id=\"ipaddress\" value=\"216.73.216.104\">\n                    <div class=\"input-group\">\n                     <input class=\"input-text\" type=\"email\" name=\"cnw_email\" placeholder=\"Enter your email\" required>\n                     <button type=\"submit\" name=\"cnw_submit\" class=\"consultation-button\">\n                      Free Consultation\n                     <\/button>\n                    <\/div>\n                    \n                    <div id=\"cnw_msg\"><\/div>\n                <\/form>\n            <\/div>\n            <div class=\"image-area\">\n                <img decoding=\"async\" class=\"person-image\" src=\"https:\/\/devtechnosys.com\/images\/2021-new\/about\/mission-vision-img.png\" alt=\"Professional Expert\" title=\"\">\n                <div class=\"image-overlay\"><\/div>\n                <div class=\"name-tag\"><strong>TARUN NAGAR<\/strong>\n                    <small>CEO DEVTECHNOSYS<\/small>\n                <\/div>\n            <\/div>\n        <\/div>\n      <\/div>\n\n\n    <script>\nfunction submitNewsletter(e){\n    e.preventDefault();\n\n   \n    let email = document.querySelector(\"[name='cnw_email']\").value;\n    let post_id = document.querySelector(\"[name='post_id']\").value;\n    let ipaddress = document.querySelector(\"[name='ipaddress']\").value;\n    let formData = new FormData();\n    formData.append('action', 'cnw_submit');\n    \n    formData.append('email', email);\n    formData.append('post_id', post_id);\n    formData.append('ipaddress', ipaddress);\n    fetch(\"https:\/\/devtechnosys.com\/insights\/wp-admin\/admin-ajax.php\", {\n        method: \"POST\",\n        body: formData\n    })\n    .then(res => res.json())\n    .then(data => {\n        document.getElementById(\"cnw_msg\").innerHTML = data.data;\n    });\n}\n<\/script>\n\n     <\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Step_3_Design_Wireframes_Prototype\"><\/span><b>Step 3: Design Wireframes &amp; Prototype<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The next step to make a mobile banking app like Starling is creating an intuitive UI\/UX design, wireframes, and prototypes, focusing on seamless onboarding and usage.\u200b Hire skilled development team experts to provide <\/span><a href=\"https:\/\/devtechnosys.com\/mobile-app-development.php\">mobile app development services<\/a> <span style=\"font-weight: 400;\">to create custom designs for your mobile banking app like Starling. Don\u2019t forget to add feedback mechanisms and a progress tracking option to simplify user journeys.\u200b<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Step_4_Select_Development_Approach_Technology_Stack\"><\/span><b>Step 4: Select Development Approach &amp; Technology Stack<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In this step to build a mobile banking app like Starling, you need to choose between native (Android or iOS) or cross-platform development (Android &amp; iOS). Native platform offers performance advantages for banking apps.\u200b<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"> Create a mobile banking app like Starling with the help of a technology stack that supports security, scalability, and cloud infrastructure. The following table highlights Starling Bank\u2019s advanced backend systems.\u200b<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Component\"><\/span><b>Component<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Technology\"><\/span><b>Technology<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Purpose\"><\/span><b>Purpose<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Languages<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Java, Kotlin, Python<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Core banking logic<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Framework<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Spring Boot, Django<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Backend services<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Database<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PostgreSQL, MongoDB<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Data storage<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cloud<\/span><\/td>\n<td><span style=\"font-weight: 400;\">AWS<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Hosting &amp; scalability<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">APIs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">RESTful, GraphQL<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Third-party integrations<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Security<\/span><\/td>\n<td><span style=\"font-weight: 400;\">OAuth 2.0, SSL, JWT<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Data protection<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">CI\/CD<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Jenkins, Docker, Kubernetes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Automation &amp; deployment<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Monitoring<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Grafana, Prometheus<\/span><\/td>\n<td><span style=\"font-weight: 400;\">System tracking<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Payments<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Open Banking, Visa\/Mastercard APIs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Transactions<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Authentication<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Biometric, 2FA, KYC\/AML<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Secure login<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Step_5_Compliance_Security_Planning_Integration\"><\/span><b>Step 5: Compliance, Security Planning &amp; Integration<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In the fifth step, ensure that your app like Starling, complies with all legal and regulatory requirements (e.g., PSD2, GDPR) and includes end-to-end encryption, multi-factor authentication, and fraud monitoring. <\/span><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/devtechnosys.com\/hire-developers.php\">Hire dedicated developers<\/a> <span style=\"font-weight: 400;\">who will add security features in your Starling clone app to protect it against cyber attacks and other privacy concerns. Use secure APIs and middleware if needed, and integrate with legacy systems or core banking platforms.\u200b<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Step_6_Development_Agile_Methodology\"><\/span><b>Step 6: Development (Agile Methodology)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Create a mobile banking app like Starling by using agile methods, allowing for iterative enhancement, user feedback incorporation, and flexibility to adapt to market changes.\u200b If you want to make a mobile banking app like Starling, then include thorough project management and a transparent mode of communication throughout the development process to maintain alignment with goals.\u200b<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Step_7_Testing_Quality_Assurance\"><\/span><b>Step 7: Testing &amp; Quality Assurance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Testing is an integral part of Starling app development. To create a mobile banking app like Sarling, your MVP needs to clear the testing stage. The testing team will conduct rigorous testing, including beta testing with real users, and take their feedback to make necessary changes. App testing also involves identifying and fixing bugs, ensuring compliance, and fine-tuning user experience.\u200b Employ load and security testing to guarantee app stability and resilience.\u200b<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Step_8_Launch_Post-Launch_Maintenance\"><\/span><b>Step 8: Launch &amp; Post-Launch Maintenance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Last but not least, deploy the app after it gets a clear chit from the testing team. To launch a similar app like Starling,\u00a0 experts need to provide 24\/7 support and offer continuous modifications depending on user analytics and feedback.\u200b <\/span>Mobile app maintenance services <span style=\"font-weight: 400;\">include regularly updating the app for enhanced security, new features, and compliance with evolving regulations.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Key_Features_That_Make_Starling_Bank_Successful\"><\/span><b>Key Features That Make Starling Bank Successful<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Wondering what core features make the Starling clone app successful? Starling <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/nfc-payment-app-development\/\">NFC payment app development<\/a><span style=\"font-weight: 400;\"> in the UK fintech market relies on seamless technology and consistent innovation. Every feature is built around real-time control, financial transparency, and trust.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Instant_Account_Setup\"><\/span><b>1. Instant Account Setup: <\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Using quick video verification, users can create personal or business accounts within minutes and instantly access their account dashboard and virtual debit card, making onboarding fast, secure, and extremely convenient for new customers.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Real-Time_Spending_Insights\"><\/span><b>2. Real-Time Spending Insights:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The app supports effortless budget management and habit tracking. Every transaction triggers an instant push notification, automatically categorizing spending to help users understand patterns, control expenses, and improve financial decision-making more effectively.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Spaces_for_Goals_and_Savings\"><\/span><b>3. Spaces for Goals and Savings:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Starling\u2019s \u201cSpaces\u201d feature enables users to set up sub-accounts for particular objectives, such as emergency cash, rent, or travel. For easier saving, funds transferred to these spaces are kept apart from the primary balance.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Fee-Free_International_Transactions\"><\/span><b>4. Fee-Free International Transactions: <\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Starling users in the USA can make international purchases without extra fees or hidden charges. Payments are converted instantly using Mastercard\u2019s real-time exchange rate, offering transparency and convenience for frequent travelers and online shoppers.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Business_Banking_and_Integrations\"><\/span><b>5. Business Banking and Integrations: <\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Starling\u2019s business accounts include tools like smart invoice management, automated expense categorization, and seamless integration with popular accounting platforms. These baking appfeatures help streamline financial operations for entrepreneurs, freelancers, and small businesses.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Round-Up_Savings\"><\/span><b>6. Round-Up Savings:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Each transaction can be rounded up to the nearest pound, and the spare amount is automatically added to a selected savings Space. This encourages consistent, effortless saving without\u00a0 having to add any extra effort from users.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Overdrafts_and_Loans\"><\/span><b>7. Overdrafts and Loans:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Starling provides personal overdrafts and loans with clear, transparent interest rates. Users can view repayment schedules, track outstanding amounts, and manage their borrowing directly within the app for better financial control.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Security_and_Card_Control\"><\/span><b><\/b><b>8. Security and Card Control:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Users can instantly lock or unlock their card, manage PIN settings, adjust spending limits, and enable or disable online or contactless payments. These advanced controls play a huge role in enhancing safety and providing flexibility in managing card usage.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_Cost_to_Build_an_App_like_Starling_Bank\"><\/span><b>What is the Cost to Build an App like Starling Bank?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">On average, the cost to develop a mobile banking app like Starling is $8,000 to $25,000. Starling app development cost differ depending on factors like features, platform choice, UI and UX designs, hourly rates charged by developers, and more. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/banking-app-development-cost\/\">mobile banking app development cost<\/a> <span style=\"font-weight: 400;\">required to build a basic banking app is<\/span> <span style=\"font-weight: 400;\">between $10,000 and $15,000, while a complex mobile banking app with advanced features like AI-driven insights and instant payments could cost more than $25,000 and higher. Here\u2019s the table showcasing the cost to build an app like Starling Bank with a development timeline.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Phase\"><\/span><b>Phase<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Description\"><\/span><b>Description<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Cost_USD\"><\/span><b>Cost (USD)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Timeline\"><\/span><b>Timeline<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Planning &amp; Research<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Market study, feature mapping<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000 \u2013 $2,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1\u20132 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UI\/UX Design<\/span><\/td>\n<td><span style=\"font-weight: 400;\">App design &amp; user journey<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,500 \u2013 $3,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2\u20133 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Development<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Core app features &amp; backend<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,000 \u2013 $7,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4\u20136 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">API Integration<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Payments, KYC, 3rd-party APIs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000 \u2013 $3,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1\u20132 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Security &amp; Testing<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Encryption, 2FA, bug fixes<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$800 \u2013 $2,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1\u20132 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Deployment &amp; Launch<\/span><\/td>\n<td><span style=\"font-weight: 400;\">App store release &amp; setup<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$500 \u2013 $1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maintenance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Updates &amp; support<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000 \u2013 $2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ongoing<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"What_Factors_Influence_the_cost_to_develop_a_mobile_banking_app_like_Starling\"><\/span><b>What Factors Influence the cost to develop a mobile banking app like Starling?\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This section uncovers the factors affecting the <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/fintech-app-development-cost\/\">cost to fintech app development<\/a><span style=\"font-weight: 400;\">. Take a look at the factors below and see how they affect the mobile banking app development cost.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Feature_Complexity\"><\/span><b>1. Feature Complexity<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Starling app development cost differs depending on feature complexity. The evaluation of advanced features like real-time notifications, biometric authentication, and budgeting tools enhances the performance of the app. Here\u2019s the table presenting the cost to make a mobile banking app like Starling.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Level\"><\/span><b>Level<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Estimated_Cost_USD\"><\/span><b>Estimated Cost (USD)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Timeline-2\"><\/span><b>Timeline<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Basic<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$8,000 \u2013 $12,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4\u20136 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Moderate<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,000 \u2013 $18,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6\u20138 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Advanced<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$18,000 \u2013 $25,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8\u201310 weeks<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<p><a title=\"+91-9983263662\" href=\"https:\/\/wa.me\/919983263662?text=hello%20devtechnosys\" target=\"_blank\" rel=\"noopener\"><br>\n<img loading=\"lazy\" decoding=\"async\" class=\" wp-image-48335 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/04\/chat-with-our-experts-on-whatsapp-1.png\" alt=\"chat with our experts on whatsapp\" width=\"1191\" height=\"171\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/04\/chat-with-our-experts-on-whatsapp-1.png 1500w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/04\/chat-with-our-experts-on-whatsapp-1-300x43.png 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/04\/chat-with-our-experts-on-whatsapp-1-1024x147.png 1024w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/04\/chat-with-our-experts-on-whatsapp-1-768x110.png 768w\" sizes=\"auto, (max-width: 1191px) 100vw, 1191px\"><\/a><\/p>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Design_Requirements\"><\/span><b>2. Design Requirements<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The cost of developing a mobile banking app like Starling can be influenced by UI\/UX components, navigation structures, and branding concerns tailored to the banking industry. This table shows how much it costs to create a mobile banking app similar to Starling.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Design_Type\"><\/span><b>Design Type<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Estimated_Cost_USD-2\"><\/span><b>Estimated Cost (USD)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Timeline-3\"><\/span><b>Timeline<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Basic UI\/UX<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000 \u2013 $2,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1\u20132 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Standard UI\/UX<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000 \u2013 $3,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2\u20133 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Custom UI\/UX<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,500 \u2013 $5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3\u20134 weeks<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Security_Measures\"><\/span><b>3. Security Measures<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The <a href=\"https:\/\/devtechnosys.com\/ewallet-app-development.php\">e-wallet app development<\/a> cost is also increased by security features. A thorough analysis of security procedures that include cutting-edge data encryption standards, complex authentication methods, and steadfast compliance with legal requirements.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Security_Level\"><\/span><b>Security Level<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Estimated_Cost_USD-3\"><\/span><b>Estimated Cost (USD)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Timeline-4\"><\/span><b>Timeline<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Basic<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$800 \u2013 $1,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 week<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Advanced<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,500 \u2013 $2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1\u20132 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Enterprise<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,500 \u2013 $4,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2\u20133 weeks<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Development_Team_Location_and_Experience\"><\/span><b>4. Development Team Location and Experience<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Hourly rates for developers differ depending on the region. Regions like North America charge more whereas regions like India, Saudi Arabia, and Africa charge less. Teams with specialized banking or fintech expertise may have higher rates but offer improved reliability and compliance.\u200b Here is the cost to build a mobile banking app like Starling according to the development team\u2019s location.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Region\"><\/span><b>Region<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Estimated_Cost_USD-4\"><\/span><b>Estimated Cost (USD)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Timeline-5\"><\/span><b>Timeline<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Asia \/ Eastern Europe<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$8,000 \u2013 $15,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10\u201314 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">US \/ UK \/ Western Europe<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$18,000 \u2013 $25,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12\u201316 weeks<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Regulatory_Compliance_and_Security\"><\/span><b>5. Regulatory Compliance and Security<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Ensuring compliance with financial regulations, privacy laws, and anti-fraud standards while implementing end-to-end encryption and PCI DSS protocols enhances app security. However, it also increases the overall development time, complexity, and cost to create a mobile banking app like Starling.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Compliance_Level\"><\/span><b>Compliance Level<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Estimated_Cost_USD-5\"><\/span><b>Estimated Cost (USD)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Timeline-6\"><\/span><b>Timeline<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Basic<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000 \u2013 $2,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1\u20132 weeks<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Full Compliance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000 \u2013 $4,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2\u20134 weeks<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Maintenance_and_Upgrades\"><\/span><b>6. Maintenance and Upgrades<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Post-launch <a href=\"https:\/\/devtechnosys.com\/application-maintenance-and-support-services.php\">mobile app maintenance services<\/a> can also impact the cost to create a mobile banking app, such as Starling. Regular updates, security patches, and version updates are crucial for keeping the banking app stable and compliant, maintaining its performance, and ensuring user trust. Take a look at the table below to know how maintenance services affect the mobile banking app development cost.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Type\"><\/span><b>Type<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Estimated_Cost_USD-6\"><\/span><b>Estimated Cost (USD)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Timeline-7\"><\/span><b>Timeline<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Standard Maintenance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$800 \u2013 $1,500\/month<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ongoing<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Comprehensive Support<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,500 \u2013 $3,000\/month<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ongoing<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Monetization_Strategies_for_Mobile_Banking_App_Like_Starling\"><\/span><b>Monetization Strategies for Mobile Banking App Like Starling<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Now that we know the cost to build a mobile banking app like Starling, lets move towards monetization. Monetization strategies for a mobile banking app like Starling focus on a hybrid approach that leverages core financial services, premium features, and strategic partnerships.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Subscription_and_Premium_Plans\"><\/span><b>1. Subscription and Premium Plans<\/b><span style=\"font-weight: 400;\">: <\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Subscription and Premium Plans: Provide tiers of premium accounts with extra features like cashback incentives, travel insurance, financial insights, and higher withdrawal limits. This offers a consistent and reliable source of income.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Interchange_Fees\"><\/span><b>2. Interchange Fees<\/b><span style=\"font-weight: 400;\">: <\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Receive a tiny compensation from retailers each time customers pay with a credit or debit card. As your user base expands, even small transaction fees might yield substantial profits. It is a scalable, passive source of income that increases in direct proportion to the volume of transactions.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Loan_and_Credit_Services\"><\/span><b>3. Loan and Credit Services:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Provide personal loans, overdrafts, and credit card options directly from the app. Make earnings from interest rates and processing fees like traditional banks. The loan and credit model solidifies user trust and engagement by issuing essential financial solutions.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Investment_and_Wealth_Management_Tools\"><\/span><b>4. Investment and Wealth Management Tools<\/b><span style=\"font-weight: 400;\">: <\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Introduce investment features, including mutual funds, savings vaults, or robo-advisors. Earn through management fees, profit sharing, or partner commissions from financial institutions.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Currency_Exchange_International_Transfers\"><\/span><b>5. Currency Exchange &amp; International Transfers:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Offer cross-border payments and currency exchange at competitive rates. The small margin per transaction can bring consistent profit, especially for frequent travelers.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><button type=\"button\" class=\"modalTrigger\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-59512 aligncenter\" style=\"cursor: pointer;\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2023\/11\/Learn-to-create-BNPL-app.jpg\" alt=\"Learn to create BNPL app\" width=\"1120\" height=\"246\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2023\/11\/Learn-to-create-BNPL-app.jpg 1500w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2023\/11\/Learn-to-create-BNPL-app-300x66.jpg 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2023\/11\/Learn-to-create-BNPL-app-1024x225.jpg 1024w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2023\/11\/Learn-to-create-BNPL-app-768x169.jpg 768w\" sizes=\"auto, (max-width: 1120px) 100vw, 1120px\"><\/button><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The above blog discusses how to develop a Starling-style mobile banking app, covering essential steps, costs, and key technologies. With the right development strategy and development team, you can create a powerful, scalable, and future-ready digital banking solution that competes with leading neobanks in the market. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If you are a business considering hiring a top company for mobile banking app development, then consider Dev Technosys. And stay tuned for more informative updates.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The banking experience has changed a lot due to the arrival of banking applications,making it easier, faster, and convenient. Thanks to this advancement in technology, people can apply for a bank account online in minutes, for free, with just a few taps on their phone. The market is filled with various banking applications, but Starling [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":59505,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25],"tags":[13881,13883,13886,13887,13885,1191,13882,13884],"class_list":["post-59482","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mobile-app-development","tag-app-like-starling","tag-cost-to-build-an-app-like-starling-bank","tag-cost-to-fintech-app-development","tag-develop-a-mobile-banking-app-like-starling","tag-e-wallet-app-development-cost","tag-mobile-app-maintenance-services","tag-mobile-banking-app-like-starling","tag-starling-app"],"acf":[],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/posts\/59482","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/comments?post=59482"}],"version-history":[{"count":12,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/posts\/59482\/revisions"}],"predecessor-version":[{"id":59518,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/posts\/59482\/revisions\/59518"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/media\/59505"}],"wp:attachment":[{"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/media?parent=59482"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/categories?post=59482"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/tags?post=59482"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}