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Their own payment-practices filing · gov.uk

Starling Bank Limited pays suppliers in 12 days on average — inside its 30-day stated terms

CRN 09092149 · Financial services · 10 statutory reports on record · period to 31 Mar 2026

12daysavg time to pay · H1 2026

Their H1 2026 filing puts the average 18 days inside their stated 30-day term.

Faster than mostvs a 31-day median across 6,104 recent filers
Their stated terms
30 days
Paid outside agreed terms
8% of invoices
Paid after 61+ days
0%
Reporting period
1 Oct 2025 – 31 Mar 2026
Source
their gov.uk filing, filed 29 Apr 2026

Self-reported figures from their statutory filing. How this is compiled.

Terms vs reality · their H1 2026 filing

Paid 18 days inside the 30-day term they state

The pattern · last 6 of 10 reports

22 → 12 days — getting faster

The read · computed from their figures

Starling Bank Limited's H1 2026 filing puts their average at 12 days against stated terms of 30 days; 8% of invoices were paid outside agreed terms and 0% took 61 days or longer. Filed 29 Apr 2026.

The direction is faster: from 22 days in H2 2023 to 12 now — 10 days faster across their last 6 reports.

On the latest reported averages: Faster than 86% of the 638 large companies reporting in financial services.

That is 10 statutory periods on record (earliest H2 2021) — a historical record, not a promise for a new invoice.

What they tell their suppliers

Payment code: Fair Payment Code 12% of invoices in dispute

In their own words · from the filing

Standard payment terms

Starling's standard payment terms are 30 days. Starling works with suppliers to meet payment terms that work for both parties.

Dispute resolution

1. Email [email protected]: to understand the problem. If resolved, payment is made. If not, escalated to the Vendor Management team to manage according to supplier allocations across all key vendors/other vendors, preferred supplier lists and vendor list. 2. Email to Vendor Management: direct bilateral exchange in a time bound manner to resolve problems. 3. If required, Stakeholder can be queried for a position/decision on invoice query. 4. The process involves Vendor Management and the Accounts Payable team who compile and produce invoices that are required for approvals by Accountable Executives. This channel can be used to discuss disputed invoices.

Every statutory report on record

Most recent first.

PeriodAvg daysOutside terms61+ daysFiled
H1 2026128%0%29 Apr 2026
H2 20251312%1%30 Oct 2025
H1 2025139%0%30 Apr 2025
H2 20241512%0%29 Oct 2024
H1 2024189%0%30 Apr 2024
H2 2023226%0%27 Oct 2023
H1 20232113%1%28 Apr 2023
H2 20222528%3%20 Oct 2022
H1 20222759%0%29 Apr 2022
H2 20212668%1%29 Apr 2022

On the public register · Companies House

Company record

Status
Active
Type
Private Limited Company
Incorporated
18 Jun 2014
Registered office
5TH FLOOR LONDON FRUIT AND WOOL EXCHANGE, LONDON, E1 6PW
3 outstanding charges — secured borrowing registered Accounts due 31 Dec 2027

Open the full record at Companies House.

Quick answers · Starling Bank Limited

Are they getting slower or faster?
Their reported average has moved about 10 days faster over the window (22 → 12 days).
What's their typical pay point?
Their latest filed report puts the average at day 12; across their last 6 reports it ranged 12–22 days. Treat that as a historical reference point, not a promise for a new invoice.
Can I see what this means for my invoices?
Run the live check — it re-reads their record and their live Companies House file, on the amount you invoice.
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How UK payment reporting works

What is a Payment Practices Report?
UK companies and LLPs above a size threshold — broadly, two of: turnover over £54m, balance sheet over £27m, or more than 250 employees — must report twice a year, under the Reporting on Payment Practices and Performance Regulations 2017, how quickly they actually pay suppliers: the average time to pay, the share of invoices paid in 30 days or fewer, 31 to 60 days and 61 days or longer, and their standard payment terms. Those thresholds apply to financial years beginning on or after 6 April 2025; for earlier financial years they were £36m and £18m, with the same 250-employee test.
What does "paid outside agreed terms" mean?
The share of invoices paid later than the terms in the supplier contract. If terms are 30 days and an invoice is paid on day 45, it counts as paid outside terms, regardless of the headline average.
How often is this data updated?
Each report covers a six-month period and must be filed within 30 days of that period ending, so a company's record refreshes roughly twice a year. PaidLate re-reads the register as new reports are filed.
Is this official government data?
The underlying payment figures come from the company's own statutory filings on the gov.uk payment-practices service; company-status data comes from Companies House. PaidLate calculates trends, comparisons and summaries from those records. It does not use surveys or credit-agency scores.

How this is compiled. Built from official records only: Companies House and the gov.uk payment-practices service. The payment figures are self-reported — companies over the size threshold must file them by law and the board signs them off. No credit-agency data. The numbers are theirs; the plain-English read is ours. This is information compiled from public records under the Open Government Licence v3.0 — not a credit rating and not advice.

The 31-day comparison figure is the median across 6,104 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).

Report PL-09092149 · latest period to 31 Mar 2026

Verify the original Companies House file

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