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starling bank contact us

The bank also offers a 'Settle Up' feature, where customers can send money to their contacts. Awards[edit]. Starling Bank received the Best British Bank award. As a customer-centered organization, Starling Bank wanted to get the best insights BigQuery enables us to query real-time transactional data in order to. Starling Bank founder and CEO Anne Boden, said: “Many customers told us they wanted to do their banking online as well as on their.

: Starling bank contact us

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Starling bank contact us

The Financial Conduct Authority requires us to publish the following information about our business current accounts.

How and when you can contact us to starling bank contact us about the following things

Contact details:

  • 24 hour help - Telephone, in-app chat, email
  • Telephone - 0207 930 4450
  • Mobile banking - In-app chat.

Checking the balance and accessing a transaction history

×

Sending money within the UK, including setting up a standing order

×

Sending money outside the UK

×

Cash withdrawal in a foreign currency outside the UK

×

A lack of funds: including unarranged overdrafts, payments we allow despite lack of funds and payments we refuse due to lack of funds

×

A direct debit, or allowing someone to collect one or more payments from your starling bank contact us using your debit card number

×

Third party access to an account, for example under a power of attorney

×

Problems using internet banking or mobile banking

×

Reporting a suspected fraudulent incident or transaction

×

Progress following an account suspension or card cancellation, e.g. following a fraud incident

×

Account opening: including eligibility for an arranged overdraft, what is required to open an account and an indication of what arranged overdraft may be available

×

Note: this is a list of common queries. It does not represent the full list of queries you can raise in relation to your account.

How and when you can use your bank account to do the bank of eastman magnolia state bank things

Mobile banking

24/7 - if £500 or less. At this time cheques with a value greater than £500 are accepted by post.

Checking the balance

×

24/7

24/7

Accessing a transaction history

×

24/7

24/7

Sending money within the UK

×

24/7

24/7

Setting up a standing order

×

24/7

24/7

Sending money outside the UK

×

×

24/7

Paying in a cheque

×

×

24/7 - if starling bank contact us or less. At this time cheques with a value greater than £500 are accepted by post.

Note: this is a list of common actions. It does not represent the full list of actions you can take in relation to your account.

Information about operational and security incidents

We are obliged to notify the Financial Conduct Authority if we become aware of a major operational or security incident which prevents our customers from using our payment services.

In the 3 months between 1 July 2021 and 30 September 2021

0

In the 12 months between 1 October 2020 and 30 September 2021

0

In the 3 months between 1 July 2021 and 30 September 2021

n/a

In the 12 months between 1 October 2020 and 30 September 2021

n/a

In the 3 months between 1 July 2021 and 30 September 2021

0

In the 12 months between 1 October 2020 and 30 September 2021

0

In the 3 months between 1 July 2021 and 30 September 2021

0

In the 12 months between 1 October 2020 and 30 September 2021

0

Total number of incidents reported

0

0

Incidents affecting telephone banking

n/a

n/a

Incidents affecting mobile banking

0

0

Incidents affecting internet banking

0

0

Complaints data

Financial Conduct Authority rules require us to provide them with a report of our complaints data every six months. In certain circumstances, we are also usps office open today to publish a summary of our complaints data.

The most recent summary is available on our complaints data page.

The Financial Ombudsman Service publishes its complaints data every six months. You can see their complaints data about us at https://www.ombudsman-complaints-data.org.uk/

Opening a current account with us

+Information about how to open a business current account

To open any of our accounts a new customer will need to provide us with the documents and information set out in the how to apply for an account page. We may request additional information or boone county indiana sheriffs department in individual cases.

You can open a business current account:

  • without visiting a branch - YES
  • where a visit to a branch is required, without an appointment - N/A
  • by sending us documents and information electronically - YES
  • by post - NO.

+How quickly do we open business current accounts?

We give customers an account number and enable them to start paying into the account:

  • the same day, for 81% of customers;
  • on average, in 2 days; and
  • within 10 days for 99% of customers.

These figures are based on the time taken from our receiving all the information and documents we ask for on our how to apply for an account page, in a case where we don’t need any further information or documents to open the account.

+How quickly do we give customers a debit card?

Once an account is open, we give customers a debit card:

  • the same day, for 0% of customers;
  • on average, in 3 days; and
  • within 5 days for 99% of customers.

Note: Starling customers are able to immediately access a virtual card, via their mobile wallet.

+How quickly do customers get internet banking?

  • The same day for 100% of customers
  • On average in 0 days
  • Within 0 days for 99% of customers

+How quickly is an overdraft available?

N/A - Starling does not currently offer business overdrafts

Replacing a debit card

+How quickly do we replace debit cards which have been lost, stolen or stopped?

We replace debit cards:

  • the same day, for 0% of customers;
  • on average, in 3 days; and
  • within 5 days for 99% of customers.

Note: Starling customers are able to immediately access a virtual card, via their mobile wallet.

Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

© Starling Starling bank contact us 2021. All rights reserved.

HelpИсточник: https://www.starlingbank.com/business-account/service-information/

Helpful answers

Our website and help centre is full of FAQs covering many different topics, so you can get the answers you need straight away.

Take a look at our detailed FAQ help centre topics

Open help centre
Help question mark icon

Think you’ve been a victim of fraud?

If you notice something suspicious or think you might have been the victim of fraud, get in touch with our customer service team 24/7. Log into your app, tap the menu icon in the top right corner, tap starling bank contact us and then ‘Get in Touch’.

Before you dial/type/prepare your phone voice, the answers to your starling bank contact us might already be in our help centre.

Open help centre

Find out about our products

The quickest way to get in touch with us

If you’re an existing customer, the fastest way to contact us is via the Starling app.  Log into your app, tap the menu icon in the top right corner, tap ‘Help’ and then ‘Get in Touch’. You’ll then have starling bank contact us options:

  • Chat with us - start a live chat session
  • If it’s not urgent, send us a message - type and send your query and our team will respond as soon as possible

Lost your phone?

Can’t access the app? Lost your phone or locked out of it? If you’re able to get access to another phone you can call our customer service team on 0207 930 4450 or send us an email at [email protected]

Starling Bank is registered in First convenience bank app download and Wales as Starling Bank Limited (No. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

© Starling Bank 2021. All rights reserved.

Источник: https://www.starlingbank.com/contact/

Starling Bank has officially joined Europe’s unicorn club.

The fintech announced it had hit a £1.3bn valuation (post-money) after raising £272m — its biggest raise to date.

In an interview with Sifted, Starling founder Anne Boden said the valuation was “an increase” from previous rounds, but declined to confirm if the bank had ever hit the $1bn milestone (£723m) before.

The new raise has seen the digital bank welcome fresh institutional investment, having previously been largely funded by an overseas billionaire, Harald McPike.

Boden confirmed that the new round — once approved by regulators — would see McPike cash in some of his existing shares, reducing his holding to just under 40%.

Among Starling’s new investors are Fidelity, the US asset manager, the Qatari Investment Authority (QIA), a UK pension fund — Railpen, and global investment firm Millennium Management.

Interestingly, QIA is also an investor in Tandem — another London digital bank that launched at a similar time to Starling.

Starling will now be one of the few London fintechs to have pensioners among its direct shareholders.

Asked if this felt high-risk, Boden told Sifted: “It’s absolutely fantastic…Pension funds invest in large starling bank contact us companies. Starling is bigger now, and profitable…They’re not VCs. These are investors that invest in real solid numbers and real solid growth.”

The raise should mute earlier speculation that Starling Bank was being touted for acquisition. Boden publicly dismissed the rumours at the time.

At the last count, the bank said it had starling bank contact us 2m accounts in the UK, more than 75% of which are retail customers.

New investors, new style

Starling Bank has positioned itself as an anomaly among its fintech peers, dismissing the ‘growth at all costs’ mantra. It has favoured profitability over customer downloads, and focused on attracting active and older users to grow its deposit base.

However, the new raise — alongside having US heavyweight Fidelity onto its cap table — should now see Starling take a more aggressive stance, including taking on Europe. Asked if the latest funds marked a new era of ambitious growth, Boden said: “Yes, I think it does.”

Starling has already changed its tune today. It shared its valuation publicly for the first time, and publicly touted the number of “account openings” thank you for your order zyia a figure it previously said it preferred not to focus on. The company also shared that the new funding would be put towards “launch[ing] Starling in Europe and for anticipated M&A.”

Earlier this year, Boden told Sifted that M&A would likely focus on buying a peer-to-peer lender to help it grow its lending book.

Meanwhile, its European expansion plans hinge on it securing an Irish licence.

While there is still no date for the Irish licence, Boden said they had begun building out the team there.

Lower valuation than expected?

Starling’s £1bn+ valuation is not to be sniffed at, but considering the company has now raised over £660m in funds, a billion-dollar valuation isn’t a wildly lucrative multiple. This may be down to a general drop in digital bank valuations, with Monzo now sitting at a obx netflix show valuation (while Revolut and N26 boast pricetags of between £2.5bn and £4bn).

Alternatively, as a newly profitable startup, Starling may simply have given its new shareholders discover online banking bonus more realistic take on its growth trajectory. French fintech founder Hugues Le Bret told Sifted last year that being unprofitable made attaining sky-high valuations easier.

“If you’re not profitable, people dream… [so] until you have sold the company, the value is theoretical,” Nickel’s founder tells Sifted, blaming the use of preferred shares (which ensure some investors get paid out first) for distorting valuations.

“It’s funny money when you increase your capital [using certain clauses]… you can have any value you want.”

To this point, Starling booked its fourth successive month in profit this month and says it expects to report a first full year in profit. It also purports to have a banking-as-a-service platform, looking to diversify beyond its customer revenue-line.

Asked if the valuation seemed low, Boden told Sifted: “Starling has never pursued a high valuation for the sake of valuation for the sake. It’s much more important to get a good valuation at IPO,” before noting there was still “a long way to go” before it went public.

She added: “[Starling has] always taken a very sensible approach to making sure it has the right investors…rather than simply going after high valuation.”

Meanwhile, Starling’s value per user now sits at ~£650. That actually puts the fintech ahead of Monzo and Revolut on a like-for-like basis (both have significantly more downloads cumulatively than Starling, and also launched first).

Isabel Woodford is Sifted’s fintech correspondent. She tweets from @i_woodford and coauthors our new fintech-focused newsletter. Sign up here.

Источник: https://sifted.eu/articles/starling-bank-a-unicorn/

Contact Us

Are you a candidate in need of help with your background check? Click here.

Sterling provides a foundation
of safety and trust.

As a global leader in background and identity services, we’ll help you make faster, safer hiring decisions. How can we help you today?

Get in Touch

Sterling provides a foundation of safety and trust.

As a global leader in background and identity services, we’ll help you make smarter, faster, safer hiring decisions. Reach out to us today!


Our Locations

EUROPE
HEADQUARTERS

Swansea

8th Floor, Alexandra House,
1 Alexandra Road, SA1 5ED,
United Kingdom

Источник: https://www.sterlingcheck.co.uk/contact/

Starling Bank is a UK mobile-only bank offering personal, joint and business accounts. Our app helps people take the stress out of money by letting them visualise and manage their finances in real time, all from one app. Our 100% mobile personal accounts include instant real-time payment notifications, insights into spending habits, in-app west valley city utilities lock, a flexible overdraft and 24/7 in-app customer service and the Starling Marketplace - which allows our customers to connect to an ecosystem of financial services and products, all in app, putting control over their entire financial life in the palm of their hand. Plus, with a MasterCard Contactless Debit Card, Apple Pay, Google Pay, Samsung Pay, FitBit Pay and Garmin Pay - our customers can pay their way. Apply for our Personal Current Account in under five minutes, available for iOS and Android. Starling is a fully licensed bank fully covered up to £85,000 by the Financial Services Compensation Scheme. Were also starling bank contact us to the Single Euro Payments Area and Faster Payments. We offer access to both of these networks to other businesses through Starling Payment Services. And that's not all. Were making business banking better with Starling for Business accounts for limited companies and sole traders. Our 100% mobile business accounts have same day set up, zero monthly fees and easy accounting tools that support businesses across the UK. There's a whole lot more on the roadmap for this year. Well be growing the Starling Marketplace to support 25 partners, plus expanding into Ireland and further European markets later in 2018!

keywords:Banking,Finance,Payments
Источник: https://growjo.com/company/Starling_Bank
starling bank contact us
starling bank contact us

Starling bank contact us -


Using Genymotion from AWS Marketplace has enabled us to improve application quality and deliver more functionality, faster.

 

Steven NewsonDirector of Technology, Starling Bank

  • About Starling Bank

    Starling Bank is an innovative mobile-only bank based in the UK, providing seamless financial services to its customers, including current accounts, real-time payment visibility, and contactless debit cards to hundreds of thousands of customers.

     

  • Services Used

  • Benefits of AWS

    • Maintained weekly releases
    • Code alerts in 30 seconds or less
    • 10-second test instance scaling  

Anne Boden founded Starling Bank with a clear goal: to build a bank that would help customers manage their money, all from one mobile app. Thirty years ago, Anne pioneered the United Kingdom's first same-day payment service that transformed electronic money. Today, the same ambition to use technology to transform banking sits at the core of Starling. Intuitive, secure, and 100 percent digital, Starling is a disruptive mobile banking startup that is making waves—and it runs on Amazon Web Services (AWS).

Virtually all retail banks offer web and mobile apps in addition to traditional branch and ATM channels. At Starling, from the customer’s perspective, the app is the bank. That puts the development team at the center of the business and makes delivering new features and seamless functionality essential.

“When a customer opens an account with us through their mobile phone, they want instant access to their money,” says Steven Newson, director of technology at Starling. “Our application has to work every time.” To accomplish this, the company uses a fast-moving DevOps approach to code, with continuous integration (CI) and continuous delivery (CD). This requires its Espresso-based interface testing to scale rapidly, enabling Starling to catch bugs before they impact customers.

The traditional approach to testing mobile applications is to connect physical mobile phones to a computer running a test suite. However, this configuration does not scale well and is complex to manage. “We don’t want to spend our time maintaining the infrastructure necessary for physical device testing,” says Newson. “Testing across different models, OS versions, and screen sizes can quickly become unmanageable. We needed a virtual testing solution.”

That’s where the Genymotion solution—created by Genymobile—comes in. “Our software Genymotion emulates Android devices on-demand in the cloud, allowing Starling Bank to start and stop any number and any types of virtual devices instantly, and hence to enhance the agility and scale of application testing,” says Cécile Maurisset, product marketing manager at Genymobile.

“The bank runs in AWS, so getting Genymotion from AWS Marketplace was the shortest path to achieving our goals,” says Newson. “It was easy to get approve a solution that runs on the same platform. Additionally, our Genymotion utilization is part of our AWS bill, so we can pay for everything at once.”

Procuring Genymotion from AWS Marketplace allowed for optimal integration with Starling Bank's existing infrastructure. Solutions on AWS Marketplace are preconfigured to be deployed with just a few clicks. Starling Bank can now track Genymotion utilization just as it does with AWS services. Quality, security, and feature updates are pre-checked by AWS and delivered automatically when approved for a seamless experience. With pay-as-you-go pricing, Starling Bank can optimize the cost of using Genymotion based on demand.

Starling uses a TeamCity server hosted on Amazon Elastic Compute Cloud (Amazon EC2) for its development pipeline and Espresso to create user interface tests. Whenever changes are pushed to the team’s Git repository, a new build is triggered on TeamCity. Once the artifacts are ready, Genymotion instances start automatically to maximize speed. Once testing is complete, the team can see test results, test coverage information, and screenshots of emulated Android devices to show areas of test failure.

The cloud-based nature of Genymotion makes scaling up the testing pipeline a simple matter. “If you want to keep build time reasonable for quick feedback, it’s easy to add more instances to run tests for each build,” says Newson. “Using Genymotion on AWS, this process takes about 10 seconds. If we were managing test infrastructure on premises, it could take hours or days. This instant scalability is very useful.”

The company relies on fast results from Genymotion to keep its development team moving forward. “Using Genymotion on AWS, we get notified in less than 30 minutes if there are code issues,” says Newson. “Whether code coverage has dropped or the developer has broken something, getting that quick feedback means faster problem resolution and shorter time to market. It’s very smooth and keeps us moving forward.”

Supporting its CI/CD pipeline with Genymotion from AWS Marketplace enables Starling to keep up the pace of innovation. “We’ve kept our speed as we’ve scaled up,” says Newson. “We have always had a weekly release cadence, but automated testing ensures we can maintain that cadence as our application becomes more capable and feature-rich. Using Genymotion from AWS Marketplace has enabled us to improve application quality and deliver more functionality, faster.”

Cloudability Logo

Genymobile produces the flaship product Genymotion, an Android emulator.  

Источник: https://aws.amazon.com/solutions/case-studies/Starling-Bank-AWS-Marketplace/

Helpful answers

Our website and help centre is full of FAQs covering many different topics, so you can get the answers you need straight away.

Take a look at our detailed FAQ help centre topics

Open help centre
Help question mark icon

Think you’ve been a victim of fraud?

If you notice something suspicious or think you might have been the victim of fraud, get in touch with our customer service team 24/7. Log into your app, tap the menu icon in the top right corner, tap ‘Help’ and then ‘Get in Touch’.

Before you dial/type/prepare your phone voice, the answers to your questions might already be in our help centre.

Open help centre

Find out about our products

The quickest way to get in touch with us

If you’re an existing customer, the fastest way to contact us is via the Starling app.  Log into your app, tap the menu icon in the top right corner, tap ‘Help’ and then ‘Get in Touch’. You’ll then have these options:

  • Chat with us - start a live chat session
  • If it’s not urgent, send us a message - type and send your query and our team will respond as soon as possible

Lost your phone?

Can’t access the app? Lost your phone or locked out of it? If you’re able to get access to another phone you can call our customer service team on 0207 930 4450 or send us an email at [email protected]

Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

© Starling Bank 2021. All rights reserved.

Источник: https://www.starlingbank.com/contact/

Contact Us

Are you a candidate in need of help with your background check? Click here.

Sterling provides a foundation
of safety and trust.

As a global leader in background and identity services, we’ll help you make faster, safer hiring decisions. How can we help you today?

Get in Touch

Sterling provides a foundation of safety and trust.

As a global leader in background and identity services, we’ll help you make smarter, faster, safer hiring decisions. Reach out to us today!


Our Locations

EUROPE
HEADQUARTERS

Swansea

8th Floor, Alexandra House,
1 Alexandra Road, SA1 5ED,
United Kingdom

Источник: https://www.sterlingcheck.co.uk/contact/

Aviva Save Privacy Policy

Last Updated: 1 November 2021

Introduction

Welcome to the Aviva Save privacy policy. The Aviva Save platform (“Aviva Save” or the “Aviva Save Platform”) is a registration and management platform that enables you to register your details just once in order to access and manage multiple savings products from our panel of partner banks.

Aviva Save is brought to you by Aviva Savings Limited (“Aviva” “we”, “us” or “our”), in combination with Raisin Platforms Limited (“Raisin”) and Starling Bank Limited (“Starling Bank”) for use by Aviva customers who can access savings products from our partner banks. For more information about our relationship with these platform partners please see “Our relationship with third parties” below.

Your privacy is important to us

Aviva respects your privacy and is committed to protecting your personal data. This privacy policy aims to give you information on how Aviva collects and processes your personal data including any instances where your data is processed by our platform partners.

Aviva, and our platform partners are also independently responsible for making decisions about how your personal data is processed when you sign up to our respective services. This means we are independent controllers of your personal data for the purposes of data protection laws and so this privacy policy should be read in conjunction with any privacy policy which we provide when you first access their services (see “Our relationship with third parties” below).

This privacy policy only applies to the Aviva Save Platform and does not extend to other third-party websites accessed from Aviva Save. It should be read in conjunction with the Aviva Save Terms and Conditions and any other documents referred to in it.

For more information concerning Aviva visit www.aviva.com.

Our relationship with third parties

  • Aviva: we, with the help of our partner Raisin, provide the Aviva Save Platform which is a registration and management platform that enables you to register an Aviva Save Profile (as defined in the Aviva Save Terms and Conditions) in order to access and manage multiple savings products from our panel of partner banks.
  • Raisin: we use Raisin, a leading European financial services technology company, to provide the Aviva Save Platform to you. Raisin assists us with the registration and management of customer data when customers register for an Aviva Save Profile and start investing in savings products. Raisin is both a data controller and data processor in relation to those processing activities. For more information of how Raisin processes your personal data please see Raisin’s privacy policy which is available here.
  • Starling Bank: when registering for an Aviva Save Profile you will also be applying to open a holding account (“Holding Account”) with our Holding Account provider, Starling Bank. Your Holding Account will be the settlement account for any payment orders you make from any Nominated Account (as defined below) and any savings accounts with partner banks. Starling Bank, is responsible for the personal data processed in connection with your Holding Account, they process your data in accordance with their privacy policy which is available here.
  • Partner Banks: the Aviva Save products are brought to you from our panel of partner banks. When you open and use savings accounts through Aviva Save, you will be signing up to savings products with those entities. Their processing will be governed under their respective privacy notices, which will be made available to you on application for these savings products.
  • Meteor Asset Management Limited (“MAM”): Our partner banks may also work with MAM, who as a deposit administrator for some of our partner banks will, as required, provide administration services in order to execute your instructions. MAM is an entity authorised and regulated by the Financial Conduct Authority (FRN 459325) and incorporated under the laws of England and Wales with corporate registration number 05712610 and its registered office at 55 King William Street, London, EC4R 9AD. MAM is responsible for the personal data processed in connection with these administration services. Where applicable, MAM processes your data in accordance with its terms and conditions which are available here.

Our principles

The protection of your privacy is very important to us:

  • we treat your data responsibly and only process it for specified purposes;
  • we are aware of the sensitivity of the data you have entrusted to us;
  • we do not process any personal data without a legal basis;
  • we will never pass on your data to third parties unless there is a lawful basis to do so;
  • we use several well-established measures (such as encryption) to prevent any misuse of your data;
  • we follow the principle of data minimisation;

as such we only receive and process limited amounts of your information, as necessary to make the Aviva Save Platform available to you in combination with our trusted platform partners.

What information does Aviva Save collect about me?

Information you provide

You choose to provide certain information when using Aviva Save.

This includes:

  • Aviva Save Profile and contact details: when you create an account, you provide your login credentials, as well as some basic details necessary for the service to work, such as your name, email address, mobile telephone number and date of birth.
  • Nominated and Holding Account details: when you register for an Aviva Save Profile you must provide information necessary to set up your Aviva Save Holding Account which is provided by Starling Bank. You must also nominate a UK bank or building society account (“Nominated Account”) from which you will fund your Holding Account.
  • Applications for savings products: when you complete forms on the Aviva Save Platform including registrations for new customer accounts and applications for any of our savings products or any other services (including instructions in writing), we collect information necessary to support that application.

Information we receive from others

In addition to the information you provide directly, we may receive information about you from others, including:

  • Raisin: on occasion, Raisin may share aggregated information with us about the use of the Aviva Save Platform by Aviva customers. Raisin also provides us with individual level reports relating to failed financial crime and fraud prevention checks. Raisin may also provide us with your personal data to enable us to perform analytics and ensure that our products and services are appropriately priced. Raisin also provide us with the personal data you provided when you created an Aviva Save account for use in accordance with your Marketing and contact preferences and to conduct surveys and research.
  • Starling Bank: we may receive information relating to your Holding Account details, setup (credit and AML checks/verifications), activity, performance and investments. These may include individual level reports relating to failed financial crime and fraud prevention checks.
  • Partner Banks: we may receive information relating to those accounts, their setup, (credit and AML checks/verifications), activity, performance and investments. These may include individual level reports relating to failed financial crime and fraud prevention checks.
  • Credit check, AML and fraud prevention providers: we may also process your personal data where we obtain information from third parties such as fraud prevention agencies or other organisations, when you register for an Aviva Save Profile with us or apply for any of our savings products, or other services which you or they give to us at any time.

Information collected when you use our services

We use Adobe’s analytics and on-site personalisation services to measure your use of the Aviva Save Platform. This may include information such as the link you followed to reach the Aviva Save Platform, your IP address and how you interact with Aviva Save Platform.

For more information, including details of how to block these cookies specifically, please visit their website.

You can find more about our use of cookies in our Cookie Policy.

What does Aviva use my personal information for?

To provide the service

You need to provide us and our Aviva Save Platform partners with your personal data if you want to access and use the Aviva Save Platform. If you decide not to provide us with the personal data that we request from you then we may not be able to perform the contract we have or are trying to enter with you, meaning you may not be able to access and use the Aviva Save Platform. In this case, we may have to cancel a product or service you have with us, but we will notify you if this is the case at the time.

The protection of your privacy is very important to us, as such Aviva only collects and uses a limited amount of personal data in connection with your use of the Aviva Save Platform, this includes for the purposes of:

  • Creating and managing your Aviva Save Profile;
  • Sharing data with platform partners to facilitate your transactions and investments; and
  • Managing queries and complaints when you contact us.

To improve our services

  • Conduct research and analysis of users’ behaviour to improve our services and content (for instance, we may decide to change the look and feel or even substantially modify a given feature based on users’ behaviour);
  • Develop new features and services (for example, we may decide to build a new interests-based feature further to requests received from users);
  • Analyse your choices within Aviva Save so we can understand what other Aviva products and services are relevant to you; and
  • To conduct surveys and other research about our products and services.

To prevent, detect and fight fraud or other illegal or unauthorised activities

We perform personal information analysis to better understand and design countermeasures against these activities and retain personal information related to fraudulent activities to prevent against recurrences.

To ensure legal compliance

To comply with legal requirements, assist law enforcement and enforce or exercise our rights, for example our Aviva Save Terms and Conditions.

For financial crime purposes

We may receive customer personal data if, when applying for the Aviva Save Profile, the customer fails a financial crime check or process. In this scenario, Aviva may request the customer’s personal data solely for the purpose of auditing of financial crime processes and controls performed by Raisin (and its platform partners if applicable), and the associated results of such processes and controls. In particular, Aviva may want to make sure that: (i) adequate financial crime controls and processes are adhered to by Raisin; (ii) processes are completed to resolve the customer outcome of the applicable financial crime check or process; and (iii) the result of the customer outcome of the applicable financial crime check or process is in line with Aviva’s expectation or Aviva’s understanding of the customer if such customer already holds other products with Aviva.

Marketing Purposes

We may use your personal data to send direct marketing communications about our products and services that we feel you’ll be interested in. This may include marketing relating to products offered by other brands or companies within the Aviva group, as well as communications about promotions and prize draws.

Marketing communications may be sent by email, post, SMS, telephone and push notification. We will only ever do this in accordance with the Aviva Marketing and communication preferences that we hold about you. You can opt-out from receiving further marketing emails by clicking the “unsubscribe” link contained in any marketing emails. You can also alter your marketing preferences or stop all forms of marketing at any time by contacting us using details in the How can I contact Aviva section below or by using the preference centre on the Aviva Save Platform.

Please remember that if you opt out of receiving marketing, we will still send you communications relating to your products.

Cookies and similar technologies

We rely on third-party advertising technology (such as the deployment of cookies or small text files on our website or pixels within emails) to collect information about you. This technology is used to optimise what you may see on our websites and deliver content when you are browsing elsewhere. We may also collect information about your use of other websites. We do this to provide you with advertising that we believe may be relevant for you, as well as to improve our own products and services.

For further information about cookies and other technologies we use on the Aviva Save Platform and how to manage cookies, please see our Cookie Policy.

Social media and online platforms

We share personal data with media agencies and social media and other online platforms to help us target our online marketing. Social media and other online platforms may also use personal data they hold and combine it with personal data received from us to create target audiences.

If we use or share personal data with third parties in order to send you direct marketing, we will respect the marketing preferences you have set.

Marketing profiles

We use automated processes to help us provide more personalised marketing of our products. To do this, our automated process creates a marketing profile for you using information such as: contact data, ID data, age, gender, behavioural and product data. This allows us to determine the most relevant products, services, offers and benefits to send you

Information obtained in relation to one product may be used in relation to marketing other products from the Aviva group.

What are Aviva’s legal bases for processing my personal data?

Processing is necessary to perform a contract we have entered with you and/or for taking steps to comply with a request made by an individual with a view to entering into a contract (Article 6(1)(b) of the UK GDPR). By way of example:

  • we process your personal data when you provide us with pre-contractual information at the point of registering with us. This allows us to carry out our obligations to provide services to you under the Aviva Save Platform contract and also so we can carry out other relevant required activities.

Processing is necessary to comply with our legal obligations as a data controller (Article 6 (1)(c) of the UK GDPR).

  • we may process personal data, solely or combination with Aviva Save platform partners for the purpose of fulfilling various legal obligations such as carrying out obligations in respect of the provision of your savings products and the provision of our online services, verification of your identity and making financial risk assessments including anti-money laundering checks and the use of your personal data for crime and fraud prevention purposes.

Legitimate interests (Article 6 (1)(f) of the UK GDPR)

  • Circumstances may arise where we or a third party may need to process your personal data beyond the performance of our contract to protect our legitimate interests or the legitimate interests of a third party. This processing could include:
    • testing and optimisation of requirements analysis and direct customer approach;
    • measures to manage the business (including adjustments to pricing and our commercial models);
    • to improve services and to recover customers and advertising or marketing and opinion research;
    • for the purposes of marketing;
    • processing your personal data to ensure content from the Aviva Save Platform is presented in the most effective manner for you and your device;
    • to meet our regulatory compliance, fraud detection and reporting obligations, enforce any of our rights against you and to pursue other legal purposes;
    • developing and improving our services to you and notifying you about changes to our services.

Consent (Article 6 (1)(a) of the UK GDPR)

We may ask for your consent to use your personal information for certain specific reasons.

Please note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your personal data. Please contact us using the details below if you need details about the specific legal ground, we are relying on to process your personal data.

Who does Aviva share your personal data with and why?

We will never sell, trade, or rent your personal data to others, however, we may share your personal data with selected third parties in the following instances:

With our service providers and partners

We use third parties in order to provide savings products, to carry out marketing and research and to manage your Aviva Save Profile. For more information about how our Aviva Save partners process your data see the “Our relationship with third parties” section above.

With other Aviva Group businesses

We may disclose your information to any member of the Aviva Group including in connection with the financial crime purposes outlined earlier in this policy. This means if we receive information relating to failed checks we may disclose this information to our ultimate holding company and its subsidiaries, as necessary to review and update our wider group practices in this area. We may also share your personal data with certain Aviva Group Companies who are involved in our customer relationship management, marketing, compliance and support. The Aviva Group ensures the protection of any personal data shared within the Aviva Group through data sharing agreements.

For a full list of Aviva Group Companies visit www.aviva.co.uk.

In corporate transactions

We may transfer your personal information if we are involved, whether in whole or in part, in a merger, sale, acquisition, divestiture, restructuring, reorganisation, dissolution, bankruptcy or other change of ownership or control.

When required by law

We are under a duty to disclose or share your information in order to comply with any legal or regulatory obligation, as part of legal proceedings, to enforce or apply our terms and conditions which apply to your savings products or to protect the rights, property, or safety of Aviva, our customers or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

To enforce legal rights

We may also share information: (i) if disclosure would mitigate our liability in an actual or threatened lawsuit; (ii) as necessary to protect our legal rights and legal rights of our users, business partners or other interested parties; (iii) to enforce our agreements with you; and (iv) to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing.

We require all third-party service providers, to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions. When you use Aviva Save, you will contract directly with Starling Bank, and our partner banks where you purchase or use their products. In such instances these parties may also process your personal data for their own purposes in accordance with their privacy policy (see “Our Relationship with third parties”) above.

How to complain

If you have a query or complaint about how we process your personal data, please contact us using the contact details below. We will investigate your concerns and take all reasonable steps to resolve the matter promptly.

If you’re not happy with the way we’re handling your personal data, you have a right to make a complaint with your local data protection supervisory authority. In the UK, this is the Information Commissioner’s Office (ICO). You have the right to make a complaint at any time to the ICO. We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance. You can contact the ICO through their website: www.ico.org.uk.

How can I contact Aviva?

You can contact us about how we use your personal data or to exercise your data subject rights in relation to Aviva Save or if you have any other concerns as follows:

If you wish to exercise your data subject rights in relation to any other Aviva product you hold you can do so by contacting our Data Protection Officer:

  • Post: The Data Protection Team, Aviva, Pitheavlis, Perth, PH2 0NH
  • Email: [email protected]

If you wish to amend your marketing preferences, change how you would like us to communicate with you, or tell us to stop marketing to you, you can do so in the following ways:

  • Update in: Aviva Save Platform
  • By phone: 01603 622200
  • By email: [email protected]
  • By Post : Aviva, Freepost, Mailing Exclusion Team, Unit 5, Wanlip Road Ind Est, Syston, Leicester, LE7 1PD

You can also view our full privacy policy at www.aviva.co.uk/privacypolicy

How does Aviva send information outside of my country?

Sometimes we, or third parties acting on our behalf, may need to transfer personal data outside of the UK. We’ll always take steps to ensure that any transfer of personal data outside the UK is carefully managed to protect your privacy rights and ensure that adequate safeguards are in place. This might include transfers to countries that the UK considers will provide adequate levels of protection for your personal data (such as countries in the European Economic Area) or putting contractual obligations in place with the party we are sending information to. Transfers within the Aviva group will be covered by an agreement entered into by members of the Aviva group (an intra-group agreement) which contractually obliges each group company to ensure that your personal data receives an adequate and consistent level of protection wherever it is transferred within the group.

For more information about data transfers and the safeguards we have put in place, please contact us.

Your data protection rights

You have legal rights under data protection laws in relation to your personal information. Read below to learn more about each right you may have:

  1. Right of access: You can request a copy of the personal data that we hold about you and further information about how we process your personal data. This is known as a ‘Data Subject Access Request’, and we normally have one month to respond to such a request. You can make a Data Subject Access Request by contacting the Data Protection Officer. A Data Subject Access Request will usually be free of charge. We will ask you to provide forms of identification accepted by Aviva so we can verify your identity before we can respond to a Data Subject Access Request. This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask for further information in relation to your request to ensure we fully understand the information requested.
  2. Right to rectification: If your information is no longer correct you have the right to request that we rectify it. We take reasonable steps to keep your information accurate, complete and current. Please remember that it is your responsibility to tell us about any updates to your information. We may need to verify the accuracy of the new data that you provide to us. You may also edit your details at any time by logging into your Aviva Save Account or by contacting our Customer Services team by phone on 03453012029 or by email to [email protected]
  3. Right to erasure: In certain circumstances, you have the right to ask us to delete your personal data, for example; if your personal data is no longer necessary for the purpose(s) it was collected for, or your personal data has been processed unlawfully. There are legitimate reasons that we must retain some of your personal data after you have requested its deletion, including compliance with legal or regulatory obligations to which we are subject, or for the establishment, exercise of defence of legal claims. We will notify you of any decision to retain or erase your personal data.
  4. Right to restrict processing: You can request that we restrict our processing of your personal data in specific circumstances. Where a restriction is in place, we can continue to store your information, but we will only process it with your consent, for the establishment, exercise or defence of legal claims, to protect the rights of another individual or legal entity or for important public interest reasons. We will inform you prior to the lifting of any restriction.
  5. Right to object: You can request that we stop processing your personal data where the purpose(s) is based on a ‘legitimate business interest’ and/or the ‘public interest’. We can continue to process your personal data for the establishment, exercise or defence of legal claims if we are satisfied there are compelling legitimate grounds which override your interests, rights or freedoms.
  6. Right to data portability: You have the right to request that we provide your personal data to you in a portable format and also upon request to transmit your personal data to another data controller. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
  7. Right to withdraw consent:

    If we have asked for your consent to use your personal data, you are free to withdraw your consent at any time.

    If it is the case that we need your consent to provide you with a particular product and you wish to withdraw your consent, we may no longer be able to provide our product to you. Where that is the case, we will inform you before taking any action.

  8. Rights related to automated decision making including profiling: Aviva does not use automated decision making in the course of its business relationship as referred to in Article 22 of the UK GDPR. Our Aviva Save partners processes your personal data by partially automated means to evaluate certain personal aspects (profiling) and to be able to provide the best possible service to you. Please see their respective privacy notices for additional information.

You can exercise your rights at any time by contacting us using the contact details above.

We respond to all requests we receive from users in accordance with applicable data protection laws. We may ask you to provide proof of identity before we can answer the above requests. In some cases, we may reject requests for certain reasons (for example, if the request is unlawful or if it may infringe on trade secrets or intellectual property or the privacy of another user).

How does Aviva protect my personal data

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed.

In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so. We have also ensured our Aviva Save platform partners are committed to similar security standards. If you would like additional information, on the security of Aviva Save, please visit our platform provider’s (Raisin’s) Security page.

How long does Aviva retain my personal data?

Your personal data will be stored in accordance with applicable laws and kept for as long as needed to carry out the purposes described in this privacy policy or as otherwise required by applicable law.

We do keep certain transactional records - which may include personal information - for more extended periods if we need to do this to meet legal, regulatory, tax or accounting needs. For instance, we’re required to retain an accurate record of your dealings with us, so we can respond to any complaints or challenges you or others might raise later. We’ll also retain files if we reasonably believe there is a prospect of litigation.

We maintain a data retention policy which we apply to the records we hold.

We may also retain personal information where we have identified a legal basis for doing so in an aggregated form which allows us to continue to develop/improve our products and services.

Third-party links

The Aviva Save Platform may include links to third-party websites. If it is not obviously recognisable, we will explicitly point out when such links are to third-party websites. Clicking on those links may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave the Aviva Save Platform, we encourage you to read the privacy policy of every website you visit.

Updates to this policy

This privacy policy is updated from time to time to take account of changes in our business activities, legal requirements and to make sure it’s as transparent as possible, so please check back here for the current version. You can see when this privacy policy was last updated by checking at the top of this page.

Источник: https://avivasave.aviva.co.uk/privacy-policy

Starling Bank is a UK mobile-only bank offering personal, joint and business accounts. Our app helps people take the stress out of money by letting them visualise and manage their finances in real time, all from one app. Our 100% mobile personal accounts include instant real-time payment notifications, insights into spending habits, in-app card lock, a flexible overdraft and 24/7 in-app customer service and the Starling Marketplace - which allows our customers to connect to an ecosystem of financial services and products, all in app, putting control over their entire financial life in the palm of their hand. Plus, with a MasterCard Contactless Debit Card, Apple Pay, Google Pay, Samsung Pay, FitBit Pay and Garmin Pay - our customers can pay their way. Apply for our Personal Current Account in under five minutes, available for iOS and Android. Starling is a fully licensed bank fully covered up to £85,000 by the Financial Services Compensation Scheme. Were also connected to the Single Euro Payments Area and Faster Payments. We offer access to both of these networks to other businesses through Starling Payment Services. And that's not all... Were making business banking better with Starling for Business accounts for limited companies and sole traders. Our 100% mobile business accounts have same day set up, zero monthly fees and easy accounting tools that support businesses across the UK. There's a whole lot more on the roadmap for this year. Well be growing the Starling Marketplace to support 25 partners, plus expanding into Ireland and further European markets later in 2018!

keywords:Banking,Finance,Payments
Источник: https://growjo.com/company/Starling_Bank

The Financial Conduct Authority requires us to publish the following information about our business current accounts.

How and when you can contact us to ask about the following things

Contact details:

  • 24 hour help - Telephone, in-app chat, email
  • Telephone - 0207 930 4450
  • Mobile banking - In-app chat.

Checking the balance and accessing a transaction history

×

Sending money within the UK, including setting up a standing order

×

Sending money outside the UK

×

Cash withdrawal in a foreign currency outside the UK

×

A lack of funds: including unarranged overdrafts, payments we allow despite lack of funds and payments we refuse due to lack of funds

×

A direct debit, or allowing someone to collect one or more payments from your account using your debit card number

×

Third party access to an account, for example under a power of attorney

×

Problems using internet banking or mobile banking

×

Reporting a suspected fraudulent incident or transaction

×

Progress following an account suspension or card cancellation, e.g. following a fraud incident

×

Account opening: including eligibility for an arranged overdraft, what is required to open an account and an indication of what arranged overdraft may be available

×

Note: this is a list of common queries. It does not represent the full list of queries you can raise in relation to your account.

How and when you can use your bank account to do the following things

Mobile banking

24/7 - if £500 or less. At this time cheques with a value greater than £500 are accepted by post.

Checking the balance

×

24/7

24/7

Accessing a transaction history

×

24/7

24/7

Sending money within the UK

×

24/7

24/7

Setting up a standing order

×

24/7

24/7

Sending money outside the UK

×

×

24/7

Paying in a cheque

×

×

24/7 - if £500 or less. At this time cheques with a value greater than £500 are accepted by post.

Note: this is a list of common actions. It does not represent the full list of actions you can take in relation to your account.

Information about operational and security incidents

We are obliged to notify the Financial Conduct Authority if we become aware of a major operational or security incident which prevents our customers from using our payment services.

In the 3 months between 1 July 2021 and 30 September 2021

0

In the 12 months between 1 October 2020 and 30 September 2021

0

In the 3 months between 1 July 2021 and 30 September 2021

n/a

In the 12 months between 1 October 2020 and 30 September 2021

n/a

In the 3 months between 1 July 2021 and 30 September 2021

0

In the 12 months between 1 October 2020 and 30 September 2021

0

In the 3 months between 1 July 2021 and 30 September 2021

0

In the 12 months between 1 October 2020 and 30 September 2021

0

Total number of incidents reported

0

0

Incidents affecting telephone banking

n/a

n/a

Incidents affecting mobile banking

0

0

Incidents affecting internet banking

0

0

Complaints data

Financial Conduct Authority rules require us to provide them with a report of our complaints data every six months. In certain circumstances, we are also required to publish a summary of our complaints data.

The most recent summary is available on our complaints data page.

The Financial Ombudsman Service publishes its complaints data every six months. You can see their complaints data about us at https://www.ombudsman-complaints-data.org.uk/

Opening a current account with us

+Information about how to open a business current account

To open any of our accounts a new customer will need to provide us with the documents and information set out in the how to apply for an account page. We may request additional information or documents in individual cases.

You can open a business current account:

  • without visiting a branch - YES
  • where a visit to a branch is required, without an appointment - N/A
  • by sending us documents and information electronically - YES
  • by post - NO.

+How quickly do we open business current accounts?

We give customers an account number and enable them to start paying into the account:

  • the same day, for 81% of customers;
  • on average, in 2 days; and
  • within 10 days for 99% of customers.

These figures are based on the time taken from our receiving all the information and documents we ask for on our how to apply for an account page, in a case where we don’t need any further information or documents to open the account.

+How quickly do we give customers a debit card?

Once an account is open, we give customers a debit card:

  • the same day, for 0% of customers;
  • on average, in 3 days; and
  • within 5 days for 99% of customers.

Note: Starling customers are able to immediately access a virtual card, via their mobile wallet.

+How quickly do customers get internet banking?

  • The same day for 100% of customers
  • On average in 0 days
  • Within 0 days for 99% of customers

+How quickly is an overdraft available?

N/A - Starling does not currently offer business overdrafts

Replacing a debit card

+How quickly do we replace debit cards which have been lost, stolen or stopped?

We replace debit cards:

  • the same day, for 0% of customers;
  • on average, in 3 days; and
  • within 5 days for 99% of customers.

Note: Starling customers are able to immediately access a virtual card, via their mobile wallet.

Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.

© Starling Bank 2021. All rights reserved.

HelpИсточник: https://www.starlingbank.com/business-account/service-information/

‘It’s crazy, but I started my own bank’: the story behind Starling

The first time I met Anne Boden was last December at a glitzy awards ceremony where I knew no one, felt out of place and was skulking in the loos. In she bustled – she’s smaller than me (I’m 5ft 1in), older than me (she’s 60), a little eccentric and perhaps the friendliest person in the place. She didn’t stop talking. She ushered me out, remained by my side until the ceremony started (think Disney’s Fairy Godmother) and, along the way, mentioned that she was the founder and CEO of Starling Bank, the event’s main sponsor.

I couldn’t have been more surprised – or picture a less likely “banking mogul”. When she explained that Starling was an app-based bank, I rewarded her with the worst response possible. “You mean like Monzo?” (My daughter had signed up to Monzo, the trendy “no branches” bank, to acquire its distinctive coral-coloured card, which now gathers dust on her bookshelf.) Boden was gracious but flustered. I ascertained that Monzo had been founded by her former business partner Tom Blomfield. He was considerably younger, more hip, more Hoxton – and he’d left her, taking the other directors with him.

Back then, it wasn’t something she discussed in depth – though financial journalists always asked her about it. Now, though, she has written the whole gory story in a “business tell-all”, a banking blockbuster – however unlikely that sounds. It’s the tale of a 50-something woman who wants to create a new kind of bank, but needs many millions of pounds just to get started. It takes her two years, but in 2017 she gets there. Her bank, Starling, has won Best British Bank at the British Bank Awards for the past three years. It was the only challenger bank to get through 2020 bigger and stronger than it had been at the start – and it’s on course to become profitable by December. This year, Boden was invited on to the UK Finance Board and the Government’s Board of Trade. She’s a shot in the arm for super-chatty, middle-aged women everywhere.

When we meet to discuss her book, Banking On It, Boden’s chosen venue is near Starling’s head office in Southampton, a spa café where men and women dressed in white bath robes chill out between treatments. Boden is standing near the door, waving wildly.

She’s well aware she doesn’t conform to any banking stereotype. “I’m a woman. I’m 5ft tall. I’m Welsh. I’m middle-aged. I’m from a very ordinary background and I’m the sort of person who’ll chat to somebody in the ladies!” she says. “Fintech start-ups are all young white guys with goatees – usually with rich parents. People did think I was crazy, that no one ‘starts a bank’, especially people who looked like me, but I’d reached the stage where I was prepared to fail. I was 54 and confident enough not to care if somebody said I was stupid.”

Boden grew up in Swansea, the only child of older than average, devoted parents who supported her in whatever she did and gave her an unlimited budget to spend at the bookstore. It all went on nonfiction as Boden was fascinated by science, biographies and how the world worked.

“My father worked for British Steel, my mother in the local department store,” says Boden. “I didn’t know anyone who worked in an office, but I did well in school, studied computer science at Swansea and ended up in London working for Lloyds.” This kickstarted a corporate career that culminated with a move to Dublin in 2012 to join Allied Irish Banks as group chief operating officer.

Here, she began to reimagine banking. The 2008 credit crunch had devastated Ireland, banks had been seen as largely to blame but, four years on, both there and back home they had returned to business as usual, largely unchanged. “Technology had transformed how we shop, how we holiday, how we live, but banking was stuck in the past, pretending it hadn’t happened.” Boden began to picture a new kind of bank. “I knew a lot less about industry disruptors than I know now, but I understood that they worked by putting power back in the hands of the consumer,” she says. She wanted (and ultimately created) a bank without the bureaucracy, where opening an account took minutes not weeks, which delivered instant spending notifications and insights (so customers can see how much goes on rent or coffees or late-night Ubers) and helps them set and reach saving goals. With Boden’s bank, cheques could be deposited with just a photo, there would be a handy card-lock facility for the moments customers mislaid their cards, there’d be 24-hour support – but no branches.

In the UK, just 1% of venture capital goes to all-female teams

Is there any harder start-up than a bank? The sums required are astronomical, the regulation and red tape incredibly stringent and the big banks take care of 85% of the nation’s bank accounts. What’s more, Boden knew her face didn’t fit. “Fintech is first about finance and there are hardly any women in that,” she says. “In a boardroom of 20 people, there might be two women, often from another country.” (Boden has a theory that the surprising number of foreign female executives on FTSE boards is down to company bosses feeling more comfortable with women who don’t sound like their wife or mother.)

“Then you’ve got technology,” she continues, “and there are hardly any women in tech either. Those that are tend to be in marketing roles. When you put that together with entrepreneurship, there are very, very few women fintech entrepreneurs.” In the UK, just 1% of venture capital goes to all-female-founded teams. “I understood how it worked, but there was nothing I could do to change me. I just had to pretend it wasn’t the case.”

Armed with decades of experience and a colossal volume of research, Boden left her job in 2014 and returned to the UK. She bought a terraced house in Marlow (no connections drew her to the place except a childhood memory of a “gorgeous caravan park”. She still hasn’t fully unpacked.) With no office and no business card, Boden chased meeting upon meeting, trying to sell her vision. “I’d start each morning in a coffee shop sending emails, “I’m Anne, I’m starting a bank. Will you help me?’” She doesn’t sugar-coat this. The pressure was “unbelievable”, deep down, she felt like she was “begging”. She amassed hundreds of rejections. How did she cope? “By sending more emails, creating more opportunities,” she says, “and also reading biographies of successful entrepreneurs, especially ones who had almost failed.” After about eight months of solid effort, she succeeded in persuading some top firms to undertake a huge amount of work – legal, regulatory, branding – on a contingency fee arrangement, stacking up more than £1m in debt. She also recruited a small team, including Tom Blomfield, who had called her up (their paths had crossed before) and become chief technology officer (CTO).

Boden was keenly aware of the differences between them. Blomfield, young, bearded and casually dressed, was straight out of start-up central casting. He’d launched his first business, Boso.com, an eBay for students, when still at Oxford. What frustrated Boden was that no one could see further than this odd contrast. In her book, she describes a trip to the US where the pair attempted to raise investment, but were met with puzzled faces. (Boden’s picture of Silicon Valley as seen through her eyes is highly entertaining. The “young people in high fashionwear” milling around the “dreaded table tennis tables”, perfecting the art of “looking wildly busy, yet supremely relaxed.”)

Ultimately, she and Blomfield were driven apart by their different attitudes to investment opportunities. Great tension arose when Boden ended talks with one interested investment company after learning that a founder had pleaded guilty to a serious crime. They then secured an offer elsewhere, but it fell apart over the issue of contingency fees owed.

If there’s a disco in the office or music somewhere, I’m always first on the dancefloor

Blomfield resigned and, within days, the small team they’d built had gone with him. I ask how this felt. It’s the only time Boden stops smiling. She’s still and quiet. “I never thought it would actually happen to me,” she says, haltingly. “I didn’t expect it. I was shocked. Perhaps I should have been on my guard, but I wasn’t.” Her response was to email Blomfield her own resignation letter instead, effectively handing the whole project over to him. “Somehow I convinced myself that the most important thing was Starling,” she says, “and that Starling should be more important than me. That’s a very silly thing to do. It’s a very feminine thing to do.” Blomfield’s “terms of acceptance” included the proviso that Boden take the £1m debt with her. When she refused, he and the other four directors left to form Monzo.

What happened next is pure Hollywood (with a smattering of James Bond). While alone in her office, shocked and wounded, a new team formed around Boden, starting with an old friend and associate who turned up uninvited, handed her a coffee, quietly found a desk and got to work. He called someone else, who called someone else. This new team was different. “They were mainly older, more experienced,” she says. “Quiet people. Serious people.” (They’re still with her now.) For eight months, everyone worked for nothing, then at the end of 2015, she was summoned to the Bahamas to meet billionaire Harald McPike, who was interested in investing in the challenger banking market.

For three days – some of it on his yacht – he fired questions at her (“The most intelligent questions I’d ever been asked about Starling.”). By the time Boden flew home, she had £48m in backing. In July 2016, Starling got its banking licence. (Monzo’s arrived the following month.)

I wish I could help more women understand you don’t have to conform to stereotypes to be happy

Starling now has 1.8m customer accounts and a staff of more than 1,000, with women filling 40% of the senior roles. Boden happily admits it takes up her whole life. “People talk about ‘work-life balance’,” she says. “I only have work – and I enjoy every minute of it.” She doesn’t cook (“I have no interest whatsoever”) and hasn’t married (“one of these days, I’ll write a book about men and dating!”). She has no children. “I never decided not to have children; as with many people, it just didn’t happen,” she says. “I think it’s important to focus on what you have rather than what you don’t. I’ve had a great career. I’ve done lots of stuff. I’m proud of what we’ve built. I wish I could help more women understand that you don’t have to conform to the stereotype to be happy, to be successful. But I’ve been extremely lucky. I had a childhood that was loving and supportive, but with no pressure to be anyone different.”

Boden often refers back to her parents to explain her rock-solid self-belief – and one childhood memory seems to be especially telling. Whenever the adverts came on TV in her family home, her parents would both jump to their feet, grab each other and gyrate round the room – Boden would often join in. When the ads finished, everyone plopped back down again laughing. For years, Boden assumed this happened in all households and was disappointed to see when visiting friends that everyone else stayed slumped and still during commercial breaks.

I ask if she still dances to the ads. “Yes!” she laughs, “I must admit, if there’s a disco in the office or music somewhere, I’m always first on the dancefloor! Everyone else is looking around, saying, ‘She’s dancing?’”

Banking On It: How I Disrupted an Industry, by Anne Boden, is published by Penguin Business at £20. Buy it for £17.40 at guardianbookshop.com

Источник: https://www.theguardian.com/business/2020/nov/08/its-crazy-but-i-set-up-my-own-bank-the-story-behind-starling-anne-boden-ceo-interview

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