Starling Spaces are sub-accounts that sit within your Starling account. You can create multiple Spaces, name them for different goals, and move money in and out instantly for standard Spaces. Starling’s dedicated savings products — Easy Saver, Fixed Saver, and a Flexible Cash ISA — also live inside the Spaces area and earn interest.
Spaces are Starling’s equivalent of Monzo Pots — a way to organise your money without needing multiple bank accounts.
Part of the Starling Bank hub — for the full account overview see Starling Bank Review 2026.
Starling Spaces — Key Facts
| Feature | Detail |
|---|---|
| Access | Instant for Standard Space, Easy Saver, and the Flexible Cash ISA; no access during the term for Fixed Saver |
| Types | Standard Space (0%), Easy Saver (variable rate), Fixed Saver (fixed rate, 12-month term), Flexible Cash ISA (variable rate, tax-free) |
| Number of Spaces | Multiple (no stated limit) |
| FSCS protection | Yes — up to £120,000, combined across your whole Starling balance |
| Minimum deposit | £1 for a Standard Space or Easy Saver; check the app for Fixed Saver’s current minimum |
| Fee | None to open or use a Space |
Types of Starling Spaces
Standard Space
A Standard Space earns no interest. It functions purely as a ring-fence — money you put in is separated from your main balance, so you don’t accidentally spend it.
Common uses:
- Emergency fund
- Holiday savings
- Annual bills (car insurance, home insurance, subscriptions)
- Saving toward a specific purchase
You can name each Space and set a savings target. Starling tracks your progress toward the target automatically.
Easy Saver
Easy Saver is Starling’s instant-access, interest-earning savings product within Spaces. The rate is variable and shown in the app — check starlingbank.com/savings/easy-saver/ or the app for the current figure, as it changes and may include a time-limited introductory bonus. Interest is typically credited monthly. There is no fee for using it — see Starling Fees for a full list of what Starling charges.
Fixed Saver
Fixed Saver locks your money away for a 12-month term at a fixed rate, with no access until maturity — check the current rate and minimum deposit in the app.
Flexible Cash ISA
A tax-free savings product with instant access, subject to the annual ISA allowance (£20,000 for 2026/27). Check the current rate in the app.
FSCS Protection
Money in your main Starling balance, standard Spaces, and Starling’s savings products (Easy Saver, Fixed Saver, Flexible Cash ISA) is all held with Starling Bank and is protected together under Starling’s own FSCS limit of £120,000 per person — this rose from £85,000 to £120,000 on 1 December 2025. This is one combined limit across everything you hold with Starling, not a separate allowance per Space.
How to Create a Starling Space
- Open the Starling app
- Tap the Spaces tab (or navigate from your account home)
- Tap Create a Space or the + button
- Choose the type of Space (Standard Space, Easy Saver, Fixed Saver, or Flexible Cash ISA, depending on what’s offered to you)
- Name your Space and set an optional savings target
- Transfer money in
To move money out of an instant-access Space, tap the Space, select Move money, and transfer back to your main account. It arrives immediately (Fixed Saver is different — no access until the term ends).
Starling Spaces vs Monzo Pots — Comparison
| Feature | Starling Spaces | Monzo Pots |
|---|---|---|
| Standard (0% interest) | ✅ Yes | ✅ Yes |
| Instant-access, interest-bearing | ✅ Yes (Easy Saver) | ✅ Yes (Instant Access Pot) |
| Fixed rate / Locked | ✅ Yes (Fixed Saver, 12 months) | ✅ Yes (Locked Pot) |
| Round-up | ❌ No | ✅ Yes |
| FSCS protection | ✅ Yes, combined under Starling’s £120,000 limit | ✅ Yes — confirm Monzo’s current structure |
| Monthly fee required | None | Confirm Monzo’s current plan terms |
Confirm both providers’ current rates before comparing — savings rates on both Starling and Monzo change frequently.
Tips for Using Starling Spaces Effectively
- Emergency fund: Create an Easy Saver and target 3 months’ essential expenses — instant access if you need it, while still earning interest.
- Bills buffer: Put a set amount aside each month in a Standard Space for annual bills (car insurance, TV licence, etc.) so they don’t hit unexpectedly.
- Multiple goal tracking: Name each Space clearly — “Holiday 2027”, “Christmas”, “New Car” — and set a target amount. Starling shows progress visually.
- Salary allocation: Set up a standing order on payday to move set amounts into each Space automatically.
- Business use: If you run a sole trader business, Spaces are also available in the Starling Business account — useful for ring-fencing VAT and tax reserves.
Related Guides
Starling Hub
- Starling Bank Hub — Complete Guide — All Starling guides in one place
- Starling Bank Review 2026 — Full personal account review and verdict
- Starling Fees — What Starling charges (and what’s free)
Starling Features
- Starling Business Account Review — Using Spaces for VAT and tax reserves in a business account
- Starling Cash Deposit — How to pay cash in via the Post Office
- Starling ATM Withdrawal Limit — Cash withdrawal allowances
- Starling Transfer Limit — How much you can send per day
- Starling Sort Code — Sort code, account number, and IBAN
- Starling Customer Service — How to get help
- Starling Gambling Block — How to block gambling transactions
Compare
- Monzo Pots Explained — How Monzo’s equivalent feature compares
- Monzo vs Starling vs Revolut — Full digital bank comparison