As a freelancer, I’ve been eagerly awaiting business accounts on Starling. When it launched for sole traders I signed up immediately. Only recently have I started using it for some business transactions (as I’m awaiting support for the Current Account Switch Service in order to fully switch).
However, the more I use it, the more disappointing I find it. It really does seem as if the absolute bare minimum has been done to the app to enable business account support. By bare minimum, I mean that you can switch between a personal and business account, and that’s it.
My main disappointments include:
Clunky personal/business account switching (at least on iOS)
No day-to-day benefits of having both your personal and business accounts with Starling,
e.g. no way to see both balances at once, no easier way to transfer funds between the two accounts (NatWest offer both).
Notifications do not indicate which account they are related to. e.g.:
“Your balance dropped below £25” - Which balance!?
“You spent £XX at Google” - From which account??
And if you tap on a notification, it doesn’t even take you to the correct account, let alone open details of the associated transaction.
Physical cards have the same design, which makes it harder to identify which card is when in your wallet.
I understand the plan may have been to launch with basic features and then add more over time, but while this makes sense for whole features such as Overdrafts and the Current Account Switch Service, issues such as notification differentiation and different card designs really should have been ready on day 1 to give users the initial experience they expect.
If business accounts were still in “beta” then I probably wouldn’t be writing this post, but it worries me there are these niggles with what is apparently a fully launched service.
Even more worrying is the fact that business accounts have been available for 11 weeks now, and with 7 app updates being launched within that time, I don’t see any improvements for any of the above areas. Not even the notifications issue, which should be one of the easier ones to fix.
Some users are complaining that development of personal account features has been neglected due to work on business accounts, but the truth is business accounts are just as neglected. The above are all obvious improvements. I’ve not even mentioned changes to categories that need to be made to make them suitable for business users (like why do business users still get presented with categories such as “Home”, “Holidays”, “Family”, “Pets” etc??, that’s not very professional).
I know many are wanting new features like “Round Up”, “Direct Debits from Goals” etc, but can we perhaps focus on refining the UX issues that we have with the existing features for the time being?