Part of our Starling Bank UK — Complete Guide 2026 hub.
Starling Bank charges no fee for ATM withdrawals in the UK or abroad. Starling’s own fee schedule confirms £0 for cash withdrawals in pounds in the UK and in foreign currency abroad — the bank simply doesn’t add a charge. That said, a default daily cash withdrawal limit applies to your card (commonly reported as around £300 per day across up to 6 withdrawals), and some ATM operators may add their own machine fee even though Starling doesn’t.
This fee-free approach is one of Starling’s clearest advantages over Monzo, whose free tier limits fee-free UK withdrawals more tightly.
Starling ATM Limits — Key Facts
| Detail | Amount |
|---|---|
| UK ATM fee (from Starling) | £0 |
| UK ATM daily limit | Default card limit — commonly reported as around £300/day across up to 6 withdrawals; adjustable in-app, confirm your own limit |
| Foreign ATM fee (from Starling) | £0 (fair use policy applies) |
| Foreign ATM daily limit | Set by your card limit |
| Maximum per ATM transaction | Typically £200–£300 (set by the ATM operator, not Starling) |
UK ATM Withdrawals
Starling charges no fee for UK ATM withdrawals. You can use any Visa/Mastercard-accepting ATM in the UK and Starling itself will not charge you — though the ATM operator might, particularly for independent (non-bank) machines.
Your daily withdrawal amount is governed by a default card limit rather than by Starling’s fee policy. This is commonly reported at around £300 per day across up to 6 separate withdrawals, but Starling can set individual limits differently, so always check Card → Manage card in the app for your own current figure.
Adjusting your card limit: In the Starling app, go to Card → Manage card to view and adjust your daily cash withdrawal limit, within the bounds Starling allows.
Foreign ATM Withdrawals
Starling charges no foreign ATM fee for personal accounts, subject to a fair use policy. In practice, this affects only customers making very high volumes of foreign cash withdrawals — normal holiday or travel use is unaffected, though your daily withdrawal limit still applies abroad.
Foreign withdrawals use the Mastercard exchange rate — one of the more competitive rates available, typically close to the mid-market rate.
How the fair use policy works: Starling does not publish a specific separate foreign ATM cap beyond your standard daily withdrawal limit. If your usage pattern looks unusual — such as withdrawing many thousands of pounds in cash per month while abroad — Starling may contact you.
Always pay in local currency. When an ATM abroad offers to charge you in pounds (Dynamic Currency Conversion or DCC), always choose the local currency. DCC exchange rates are generally worse than Mastercard’s rate.
Starling vs Monzo vs Chase — ATM Comparison
| Bank | UK ATM fee (from the bank) | Notes |
|---|---|---|
| Starling | £0 | Default daily card limit applies (confirm current figure in-app) |
| Monzo (Free) | Free allowance then a percentage fee | Confirm current allowance and fee — Monzo’s terms change |
| Monzo Plus/Premium | Higher or unlimited free allowance | Paid tiers — confirm current terms |
| Chase UK (Free) | Confirm current terms | Chase’s daily/monthly limits and fees change — check chase.co.uk |
For the full Chase comparison, see Chase UK ATM Withdrawal Limit 2026.
Starling Spaces and Cash Management
If you want to ringfence cash for specific purposes — a holiday fund, emergency cash, a home repair fund — Starling Spaces let you separate money within your account without needing a separate bank. Standard Spaces earn no interest; Starling’s dedicated savings products (Easy Saver, Fixed Saver, Cash ISA) sit within the Spaces area and earn interest at rates that change — check the current rate in-app.
If You Need a Higher Limit
If you regularly need to withdraw large sums:
- Adjust your Starling card limit in the app — you may be able to increase the daily withdrawal limit above the default, subject to Starling’s checks
- Contact Starling via in-app chat if you have an upcoming need for a large cash withdrawal (e.g. buying a second-hand vehicle with cash) — they can consider a temporary increase
- Consider withdrawing from a bank branch counter if you need a very large amount (Starling doesn’t have branches, so this would require a different account for that specific purpose)
Related Guides
- Starling Bank UK — Complete Guide 2026
- Starling Bank Review 2026: Completely Free, But Is It Better Than Monzo?
- Starling Transfer Limit 2026 — How Much Can You Send?
- Starling Spaces Explained 2026 — How Savings Spaces Work
- Starling Bank Customer Service 2026
- Monzo ATM Withdrawal Limit 2026 — UK and Abroad Cash Limits
- Chase UK ATM Withdrawal Limit 2026 — Daily Cash Limit Explained