In general I’m really liking using Starling, so overall this is a thumbs up.
The one thing that has caught me out a little, and continues to do so a little, is this whole grey area when a transaction is “pending”.
I guess its the nature of the beast, but as an example I attempted to make a one-off payment to my energy supplier on Saturday to clear the debit in advance of switching to another supplier and while the transaction failed on the suppliers website (for reasons I do not know) it of course came through instantly on Starling and has been listed and deducted from my balance since Saturday.
I’m told this will likely bounce back in a few days, but it’s slightly disconcerting!
Another example, I needed to download a title register from HM land registry, which cost £6 but failed to click on the download button after paying and it seems that if you don’t do this then you have to run the whole search again. Of course, the £6 showed immediately on my Starling balance, but I’m told that because I didn’t download it then this will bounce back in due course as HM LR will not request the payment.
I’m getting used to these quirks, I guess this has all been going on behind the scenes and you’d never know under with a traditional bank account as it would all sort itself out by the time you got your statement, but I can certainly see people getting confused.
My feedback would be to highlight pending transactions in a different colour - maybe even grey them out slightly so you can tell at a glance which are confirmed payments and which aren’t yet confirmed.