Starling Bank large transfers and transfer limits in 2025

Need to make a large payment? You might be buying something big like a car, kitchen or even a new home, or paying a bill for building work.

Whatever your reason for sending a large payment in the UK, you’ll need to find the safest, most convenient and cheapest way to do it.

In this guide, we’ll take a look at using Starling Bank for large payments. This includes info on how to set up a large payment with the UK bank, transfer times, limits and security considerations.

If you’re looking for a reliable and cost-effective way to transfer large sums internationally, consider the money services provider Wise. With low, transparent fees*, great mid-market exchange rates, and secure, trackable transfers, Wise makes international money transfers simple and stress-free.

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Can you send large transfers with Starling Bank?

Yes, Starling Bank lets you send large payments right from its mobile banking app.

You can set up the payment in just a few taps, but for high value transfers it may need to be reviewed by the bank’s security team before it can be sent. There’s also a chance you may be contacted to provide further evidence to verify the payment.

High value transfers with Starling Bank are typically sent via Faster Payments, which allow payments of up to £1 million.¹

But there’s also the option to send even larger amounts via CHAPS (Clearing House Automated Payment System), which has a £20 charge.¹

You’ll need to be a Starling Bank current or business account customer before you can send money. Find out how to open a Starling bank account online here.

Starling Bank also lets you make international payments of large amounts, but these will involve money transfer fees.

Starling Bank transfer limits

Let's take a look at each of the transfer methods available with Starling Bank and the sending limit for each:¹

Starling Bank has limits for international payments too, but you’ll need to contact the bank’s customer services team to find out more about these.¹

It’s unlikely that you’ll be able to adjust these limits, but between Faster Payments and CHAPS you should have plenty of ways to send as much money as you need to.

What’s the maximum amount you can send with Starling Bank?

The most you can send with Starling Bank via Faster Payments is £1 million,¹ although personal limits may apply to your account.

In the unlikely event that you need to send more than this, you can pay the £20 fee¹ and send a CHAPS payment. These have no upper limit.

Can you send multiple large transfers per day?

Yes, you can send multiple large transfers per day with Starling Bank.

However, at some stage you may find that you’re bumping up against personal limits on your account, or security restrictions. If this happens, you’ll need to contact the bank.

How to transfer large amounts with Starling Bank: Step-by-step process

You can start the process of sending a Faster Payments transfer in your Starling Bank mobile app.

You’ll need to have the recipient’s bank details ready. Here’s what you’ll usually need to provide:

• The recipient’s name as it appears on their bank account
• Their bank account number and sort code
• The type of account (personal, business or joint account)

If you’re making an international payment, you’ll need these additional details for sending money abroad:

• The International Bank Account Number (IBAN)
• The SWIFT/BIC code for their bank.

Now, here are the steps to follow to set up your payment with Starling:²

1. Open your Starling Bank mobile app and login
2. Select ‘Payments’
3. Enter the payee details
4. Enter the amount you’d like to send (double-check you have enough in your balance to cover the payment first)
5. Select the reason for the payment
6. Answer the security questions (these are designed to protect you from fraud, especially if you’re sending to a new payee)
7. Submit the payment.

For high value payments, it may take a day or two for the details to be checked. You’ll receive a notification from Starling if your payment needs to be double checked for security purposes, and you may be asked to provide more information.

If you’re sending a CHAPS payment, you can do this in the Starling Bank app. You’ll find the option in the ‘Payments’ section, where you can choose or add a recipient, enter the amount and send.³

Is Starling Bank safe for large payments?

Starling Bank is a fully licensed UK bank and is strictly regulated. As such, it is required to use sophisticated security measures to protect customers’ data, money and transfers.

But it’s also recommended to take additional steps to protect yourself and your money when sending large amounts within the UK or overseas. For example, you should:

• Double-check the recipient’s bank details - and make sure there’s a match when setting up the transfer in your mobile banking app
• Avoid sending money to people you don’t know
• Never feel pressured into sending a payment - it could be a scam.
• Avoid sharing your online or mobile banking details with anyone.

How long do large transfers take with Starling Bank?

The transfer time for sending large payments with Starling Bank varies depending on the payment method you use, but both are pretty quick.

Here’s a quick look at how long large transfers usually take, based on you initiating the payment before the given cut-off time:

Starling Bank large amount transfer fees and costs

So, how much does it cost to send Starling Bank large transfers in the UK? Here are the main fees and charges you need to know about:

When sending an overseas transfer with Starling Bank, you’ll also need to check the exchange rate - as well as the international transfer fee you see upfront.

Starling is transparent about both its fees and rates. As well as the fees above, you’ll also pay a 0.4% currency conversion fee⁷ - this is added to the exchange rate.

Wise – A low-cost alternative to bank transfers

Looking for a secure, convenient and low-cost way to send large sums of money internationally? Take a look at the Wise account from the money services provider Wise. It's not a bank account but offers some similar features and your money is safeguarded.

With Wise, you can send large amount transfers worldwide to 140+ countries in 40+ currencies for low, transparent fees* and mid-market exchange rates with no markup.

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**Investments in funds are never guaranteed and your capital can be at risk. In the UK, Interest and Stocks are provided by Wise Assets — this is the trading name of Wise Assets UK Ltd, a subsidiary of Wise. Wise Assets UK Ltd is authorised as an investment firm and regulated by the Financial Conduct Authority (FCA). Our FCA number is 839689. We do not give investment advice, and you may be subject to pay tax. If you're not sure, seek qualified advice. You can find more information about the funds on our website.

Sources used:

Sources last checked on date: 24-Oct-2025