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Their own payment-practices filing · gov.uk

How long does Starling Bank Limited take to pay its suppliers?

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

12days
their reported average time to pay suppliers, latest period
Faster than mostvs a 31-day median across 6,185 recent filers

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

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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.

Terms vs reality

Stated terms: 0–30 days. Reported average: 12.

Stated terms0–30d
+12 days
Reported avg12d

At a glance

The key figures

0–30d
their stated terms
8%
invoices paid outside terms
-10d
faster over the window
±2d
steady pattern

Vs peers · latest reported averages

fasterslower
Faster than 86% of the 661 large companies reporting in financial services.

The pattern

Getting faster

Average days to pay across their last 6 statutory reports.

22
18
15
13
13
12
H2 2023H1 2024H2 2024H1 2025H2 2025H1 2026

Where their supplier invoices land · latest period

within 30 days 97% 31–60 days 3% 61+ days 0%

The read · computed from their figures

Starling Bank Limited has filed 10 statutory payment periods (earliest H2 2021). Their latest report puts the average at 12 days against stated terms of 0–30 days.

The direction is faster: from 22 to 12 days over the window — about 10 days faster.

In the latest period 8% of invoices were paid outside their agreed terms, and 0% landed 61+ days out.

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

Working-capital effect

What a 12-day cycle ties up

Illustrative. On a hypothetical £12k/month account, at a 12-day vs a 0-day payment cycle.

≈ £4,500
of invoicing outstanding at any one time on a 12-day cycle — about £4,700 more than the same account would carry at 0-day terms.

Late Payment Act. The Late Payment of Commercial Debts Act lets a supplier charge statutory interest and fixed compensation on invoices paid past agreed terms. Work out what a late invoice is worth → Whether it applies depends on your contract — check with an adviser.

Quick answers

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 reports average around day 12, moving within about ±2 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.

Stay ahead

Watch Starling Bank Limited (free)

Their next payment report is due ≈ 27 Oct 2026. We watch their public record and email you when something changes — a new payment report, late filings, insolvency markers, new charges.

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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 6,185 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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