Does Starling Bank train on your data?
Starling's AI notice says no external AI model is trained on its customers' data. Whether its own models are, neither that notice nor its privacy notice says.
This clause is real, but it doesn't resolve the training question - see the finding below.
"No external company will keep access to any Starling data, and no external AI models are trained using Starling data."
- 10 Sept 2026
- 5 Oct 2026
- All accounts
- uk
- Fetched from the company
- E4654946…FE2C
Why this is still UNCLEAR: Re-read on 7 October 2026 against Starling's AI privacy notice, which this entry hadn't used. It answers half the question. Outside companies are ruled out: "no external AI models are trained using Starling data". Starling's own models aren't mentioned. What it stores about how you use its AI features stays at Starling, and "we only use it to improve our features", which may or may not include training. The main privacy notice lists AI uses without saying whether your data builds anything, and both its "train" and "training" are about staff. Starling's press releases of June 2025 and March 2026 say data in its AI tools "is not used for training purposes". Neither notice says that.
What each plan can refuse
The same questions, asked of every plan we could identify. Every cell comes from a quoted clause or a documented search - see the evidence above.
- Not established
- Not stated
- —
- —
- Not established
How to opt out of Starling Bank AI training
Plan by plan, from what Starling Bank's own policy says about refusing. Where it publishes the steps, they're listed here with the limits they carry. Where there's nothing to switch off, or nothing graded, this says so instead of inventing a menu path.
All accounts
Not graded, so no route is pointed at. Re-read on 7 October 2026 against Starling's AI privacy notice, which this entry hadn't used. It answers half the question. Outside companies are ruled out: "no external AI models are trained using Starling data". Starling's own models aren't mentioned. What it stores about how you use its AI features stays at Starling, and "we only use it to improve our features", which may or may not include training. The main privacy notice lists AI uses without saying whether your data builds anything, and both its "train" and "training" are about staff. Starling's press releases of June 2025 and March 2026 say data in its AI tools "is not used for training purposes". Neither notice says that.
What this policy has done since we started watching
The record starts here. Starling Bank's 2 documents were first captured on 17 Aug 2026, and there's no earlier copy to compare them against, so this verdict has no history behind it yet. From now on every re-read is diffed against those copies, and anything that moves appears here.
Vendor response
We wrote to Starling Bank on 26 Aug 2026, quoting the clauses above and inviting a correction. Nothing has come back. That's published because a company declining to comment on its own policy is something a reader should know, and because the invitation should be on the record whether or not it's taken up. Any reply goes here, word for word.
Report a wrong clause