Anne Boden

Starling Bank

CEO and Founder

Anne Boden is founder and CEO of Starling Bank, a fast-growing UK digital bank targeting millions of users who live their lives on their phones. After a distinguished career in senior leadership at some of the world’s best-known financial heavyweights, she set out to build her own mobile bank from scratch in 2014. Today, Starling has opened more than one million current accounts for individuals and small businesses and raised £263million in backing. Its app is loaded with smart money management tools, while its Marketplace gives customers access to third party financial services. Starling also has a pioneering Banking-as-a-Service and payment services business. It was voted Best British Bank in 2018 and 2019 and Anne was awarded an MBE for services to financial technology in 2018.

Event Sessions Featuring Anne Boden


Fireside Chat

In conversation with Anne Boden, CEO Starling Bank - 15 May

AltFi Digital Summit 2020 - Thursday 14 May 2020


Speakers AltFi Digital Summit 2020

AltFi Digital Summit 2020 - Thursday 14 May 2020


Digital Banking's next move

AltFi London Summit 2019 - Monday 18 March 2019

From open banking and aggregation, to business banking and legacy banks, our four expert panelists give their take on what's next for digital banking.

Fireside Chat

What should be the scope of a digital bank's activities?

AltFi Amsterdam Summit 2018 - Monday 5 November 2018

Starling Bank is four-times larger than it expected to be at this point in its business plan. It already boasts 10 marketplace partners, and can offer them a robust source of new customers, all of whom have already been subject to KYC and AML checks. 

Starling is making a major play for rewards from the £775m RBS Remedies Fund.

Anne said that the bigger banks are copying everything fintechs are doing but are spending far more money and time on digitisation than they need to be. A better alternative, she says, would be to pay firm's like Starling for banking-as-a-service products. 

Fireside Chat

Applications of Open Banking in third‐party marketplaces

London Summit 2018 - Monday 26 March 2018

  • Boden believes that while PSD2 and Open Banking are important, the marketplace model is "a step beyond that". Starling Bank has always been compliant with these regulations since it was founded, making it better placed than most incumbents to make good decisions about how best to serve its customers through data. However the offering of third-party products is "not to be done lightly", or dismissed as an add-on: the Starling Bank marketplace proposition is continually and carefully assessed to manage its risk, while fulfilling all its regulatory requirements. 
  • Klestil wonders whether the incumbents will eventually catch up to their digital counterparts in terms of making these marketplace partnerships, but Boden believes that the model will outrun them all. While big banks will try to copy every feature that digital banks currently offer, they won't be able to copy the neobank cost-base. At the moment, Starling Bank has more than 90 firms queuing to negotiate partnership deals for its marketplace. By the end of 2018, Boden hopes to have 25 of those partnerships go live. Once business accounts are live, Starling hopes to expand its marketplace model to cater to its business customers, too.
  • While a lot of people have been trying to figure out how GDPR and Open Banking might work together, Boden believes that GDPR won't have a large effect on digital banks. Being digital first and foremost means that they're already ahead of the game. By September 2019, all banks will have to catch up in line with regulation.


Synergies in fintech: Identifying complementary niches

AltFi Europe Summit 2017 - Thursday 30 March 2017

Articles Featuring Anne Boden

Who is Starling Bank’s new CEO John Mountain?

25th May 2023 | Daniel Lanyon

Starling Bank now offers fixed savings rates for SMEs

15th February 2023 | Amelia Isaacs

Jupiter sells stake in Starling Bank

8th February 2023 | Amelia Isaacs

All the fintechs that turned profitable in 2022

19th January 2023 | Amelia Isaacs

Starling Bank joins the fintech savings arms race

16th December 2022 | Daniel Lanyon

Jupiter to sell Starling Bank stake at 40% discount

23rd September 2022 | Daniel Lanyon

Meet the UK’s 26 fintech unicorns

15th August 2022 | Amelia Isaacs

Starling Bank ditches European license plan

19th July 2022 | Daniel Lanyon

Starling Bank hits 3m accounts

23rd June 2022 | Amelia Isaacs

2021 in quotes: Part 2

14th January 2022 | John Reynolds

Starling reportedly buys £1bn mortgage book

16th November 2021 | Aisling Finn

Anne Boden: Starling can overtake Barclays in 5 years

16th November 2021 | Daniel Lanyon

AltFi Awards 2021: The Shortlist revealed!

3rd November 2021 | Daniel Lanyon

Fintech needs more women

8th March 2021 | Aisling Finn

Tom Blomfield departs Monzo

21st January 2021 | Daniel Lanyon

2020 in Fintech and Alternative Finance: Part 2

30th December 2020 | Oliver Smith

2020 in quotes: Part 1

30th December 2020 | Aisling Finn

Who are the top female fintech leaders of 2020?

14th December 2020 | Aisling Finn

Anne Boden handed government advisory role

7th September 2020 | Aisling Finn

Exclusive: Coconut files £5m BCR Pool E bid

8th July 2020 | Oliver Smith

AltFi’s most read stories of 2020 (so far)

2nd July 2020 | Aisling Finn

Get ready for the AltFi Digital Summit 2020

28th April 2020 | Oliver Smith

Starling Bank u-turns on furloughing staff

15th April 2020 | Aisling Finn

Starling confirms Team GB Olympic sponsorship

6th March 2020 | Oliver Smith

Starling Bank opens office in central Cardiff

4th March 2020 | Aisling Finn

The year in quotes: 2019

3rd January 2020 | Oliver Smith

2019 In Fintech And Alternative Finance: Part 2

24th December 2019 | Oliver Smith

2019 In Fintech And Alternative Finance: Part 1

23rd December 2019 | Oliver Smith

QuickBooks launches Starling Bank integration for SMEs

18th December 2019 | Oliver Smith

Starling Bank launches two-in-one Euro debit card

30th October 2019 | Oliver Smith

Starling Bank unveils online banking portal for SMEs

23rd September 2019 | Oliver Smith

New SME services added to Starling Bank’s marketplace

10th September 2019 | Oliver Smith

Tech Nation's latest fintech cohort

6th September 2019 | Daniel Lanyon

Starling adds Growth Street to marketplace

8th August 2019 | Roger Baird

London Tech Week: The Fintech Inside Track

10th June 2019 | Russ Shaw

Fintech rising star poached by Barclays

8th January 2019 | Roger Baird

AltFi’s most-read stories from 2018

7th January 2019 | Roger Baird

Starling Bank sees rapid 500% uptick in customers

28th August 2018 | Daniel Lanyon

Starling is turning banking on its… side?

24th July 2018 | Ryan Weeks

Starling Bank launches joint accounts

25th June 2018 | Ryan Weeks

Starling boss Anne Boden gets gong

11th June 2018 | Ryan Weeks

Metro Bank reports Q1 growth as shares fall

25th April 2018 | Ryan Weeks

Starling Bank launches business accounts

29th March 2018 | Emily Nicolle

Monzo integrates with ING-backed app Yolt

23rd March 2018 | Emily Nicolle

Mind the financial gender gap

16th March 2018 | Emily Nicolle

2017: The year of digital banking. What's next?

28th December 2017 | Emily Nicolle

Starling Bank puts Open Banking to the test

23rd November 2017 | Emily Nicolle

Yolt announces integration with Starling Bank

7th November 2017 | Emily Nicolle

Fintech disruptor Starling Bank goes live

17th March 2017 | Ryan Weeks

Starling Bank to launch marketplace in March

23rd February 2017 | Ryan Weeks

Government mobilising on fintech under Hammond

9th February 2017 | Ryan Weeks