Having recently switched my current account to Starling as my primary, I’m delighted by the whole experience so far.
I didn’t really have the best financial education growing up and this has probably manifested itself in some poor decision making in my adult life.
From my perspective, Starling gives me the control, insight and learning to take better control and start making longer term decisions instead of thinking month to month.
The goals feature is great, however, think the following additions could really make it more effective.
**Target Date ** - what is the end date for each goal. Some will be recurring like Birthdays/ Xmas and some may be one off.
Estimated savings If you have designated an end date and a targeted sum, then suggesting to the user what savings should look like on a per week, month basis would be good as well has having suggestions on where savings could be made to arrive at your desired end point
**Paying from the goals ** I think right now, once you put money in the goals, you have to send it back to the main account before you can spend. This can somewhat skew your monthly spending (especially if you are trying to work to a budget) if you had the ability to pay for things from the goals, that would keep things separate perhaps
**Helping with pot weighting ** I typically try and save about £500 a month, however, the introduction of the goals has led me to adding a veritable wish list of all the things I want to do. It would be really helpful if starling helped allocate the principle sum of £500 across the pots based on ‘due date’ of the target goal and importance so you are still adding many but it is proportionate to the closeness / importance of any goal.