Anne Boden

Starling Bank

CEO and Founder

Nobody starts a new bank from scratch. Anne Boden did. After a distinguished 30-year career in traditional banking, including as chief operating officer of Allied Irish Banks, she set out to build her own mobile-only bank from scratch in 2014 and raised $70 million of funding. She is determined that Starling Bank, a London-based tech startup with a British banking licence, will help change the face of the industry by putting customers back in control of their finances. Starling offers personal and business current accounts, available via its app and built on its proprietary technology. The Starling Marketplace allows customers to access to a wide range of complementary financial products through its app. Starling also has a B2B payments services offering. Starling was voted Best British Bank in 2018.   Prior to Starling, she was Chief Operating Officer of Allied Irish Banks Plc and Head of EMEA, Global Transaction Banking across 34 countries for RBS and ABN AMRO.   She has more than 30 years experience in banking, having begun her career at Lloyds Bank, before moving on to Standard Chartered Bank and then UBS in Zurich.   She was recently recognised as one of the Global Power Women in FinTech.   She holds a BSc in Computer Science and Chemistry, an MBA and is a Fellow of the Chartered Institute of IT.

Event Sessions Featuring Anne Boden


Digital Banking's next move

AltFi London Summit 2019 - 18th March 2019

From open banking and aggregation, to business banking and legacy banks, our four expert panelists give their take on what's next for digital banking.

Fireside Chat

What should be the scope of a digital bank's activities?

AltFi Amsterdam Summit 2018 - 5th November 2018

Starling Bank is four-times larger than it expected to be at this point in its business plan. It already boasts 10 marketplace partners, and can offer them a robust source of new customers, all of whom have already been subject to KYC and AML checks. 

Starling is making a major play for rewards from the £775m RBS Remedies Fund.

Anne said that the bigger banks are copying everything fintechs are doing but are spending far more money and time on digitisation than they need to be. A better alternative, she says, would be to pay firm's like Starling for banking-as-a-service products. 

Fireside Chat

Applications of Open Banking in third‐party marketplaces

London Summit 2018 - 26th March 2018

  • Boden believes that while PSD2 and Open Banking are important, the marketplace model is "a step beyond that". Starling Bank has always been compliant with these regulations since it was founded, making it better placed than most incumbents to make good decisions about how best to serve its customers through data. However the offering of third-party products is "not to be done lightly", or dismissed as an add-on: the Starling Bank marketplace proposition is continually and carefully assessed to manage its risk, while fulfilling all its regulatory requirements. 
  • Klestil wonders whether the incumbents will eventually catch up to their digital counterparts in terms of making these marketplace partnerships, but Boden believes that the model will outrun them all. While big banks will try to copy every feature that digital banks currently offer, they won't be able to copy the neobank cost-base. At the moment, Starling Bank has more than 90 firms queuing to negotiate partnership deals for its marketplace. By the end of 2018, Boden hopes to have 25 of those partnerships go live. Once business accounts are live, Starling hopes to expand its marketplace model to cater to its business customers, too.
  • While a lot of people have been trying to figure out how GDPR and Open Banking might work together, Boden believes that GDPR won't have a large effect on digital banks. Being digital first and foremost means that they're already ahead of the game. By September 2019, all banks will have to catch up in line with regulation.


Synergies in fintech: Identifying complementary niches

AltFi Europe Summit 2017 - 30th March 2017

Articles Featuring Anne Boden

Starling Bank launches two-in-one Euro debit card

30th October 2019 | Oliver Smith

Starling Bank unveils online banking portal for SMEs

23rd September 2019 | Oliver Smith

New SME services added to Starling Bank’s marketplace

10th September 2019 | Oliver Smith

Tech Nation's latest fintech cohort

6th September 2019 | Daniel Lanyon

Starling adds Growth Street to marketplace

8th August 2019 | Roger Baird

London Tech Week: The Fintech Inside Track

10th June 2019 | Russ Shaw

Fintech rising star poached by Barclays

8th January 2019 | Roger Baird

AltFi’s most-read stories from 2018

7th January 2019 | Roger Baird

Starling Bank sees rapid 500% uptick in customers

28th August 2018 | Daniel Lanyon

Starling is turning banking on its… side?

24th July 2018 | Ryan Weeks

Starling Bank launches joint accounts

25th June 2018 | Ryan Weeks

Starling boss Anne Boden gets gong

11th June 2018 | Ryan Weeks

Metro Bank reports Q1 growth as shares fall

25th April 2018 | Ryan Weeks

Starling Bank launches business accounts

29th March 2018 | Emily Nicolle

Monzo integrates with ING-backed app Yolt

23rd March 2018 | Emily Nicolle

Mind the financial gender gap

16th March 2018 | Emily Nicolle

2017: The year of digital banking. What's next?

28th December 2017 | Emily Nicolle

Starling Bank puts Open Banking to the test

23rd November 2017 | Emily Nicolle

Yolt announces integration with Starling Bank

7th November 2017 | Emily Nicolle

Fintech disruptor Starling Bank goes live

17th March 2017 | Ryan Weeks

Starling Bank to launch marketplace in March

23rd February 2017 | Ryan Weeks

Government mobilising on fintech under Hammond

9th February 2017 | Ryan Weeks