My experience with a failed direct debit in the past was that Starling allowed the direct debit to be covered by the next day’s incoming funds and it was successfully retried around midnight the next day. I thought this was a really nice touch and fitted in with the ethos of doing things differently to make banking easier for the customer.
Now that the cut-off is 4pm this falls in line with legacy banks. It’s difficult to achieve if you need to pay in cash to Starling via NatWest. Even more difficult for those of us who start work before the banks open and don’t finish until after 4pm.
Please could Starling consider adding more flexibility here? A next day retry would be a really simple way to differentiate the account from other banks and it makes the customer feel like you are really trying to help them.