Starling Bank scores 42/100 (Below expectations) on SINK's independent climate assessment — scored from public data only, no company payment can change a number. Last verified May 2026.
That places Starling Bank joint 307th of 809 companies scored, and joint 11th of 46 in Financial Services / Banking.
Starling Bank reports low operational emissions but excludes financed emissions entirely—the material impact for any lender. Absolute emissions rose in 2023–2024 despite intensity improvements. SBTi commitment was removed; net-zero target lacks credibility. A £29M FCA fine for financial crime controls in October 2024 compounds governance concerns.
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SINK = (0.3 × Base + 0.7 × Performance) × ScaleStrongest on Carbon Footprint — Operations and Controversies & Red Flags (6/10, 6/10). Weakest on Targets & Commitments and Water Impact (2/10, 3/10).
7 sources used in this assessment. All publicly available. Each row shows which rubric questions it informed.
This company's public sustainability disclosure is limited. This score is based on the 7 verified sources cited below, rather than padded to a standard count.
Limited data coverage. This assessment is based on 7 sources, 29% of which are self-reported by the company. Scores may change as independent evidence becomes available.
If you believe a source has been misread or a newer version exists, submit a challenge.
Where Starling Bank sits among financial services / banking peers.
Among the 46 major financial services / banking brands we've scored, Starling Bank is tied =11th of 46, with 1 other.
Score history begins 6 April 2026.
As Starling Bank's score updates, the trajectory will appear here.
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Starling Bank is a UK-based digital retail and SME bank founded in 2014, headquartered in London. Branchless and app-first, it holds £12.1B in customer deposits and a £2.3B+ mortgage portfolio. With 4,158 employees, it operates as a software-driven fintech bank competing against traditional lenders and other digital challengers.
Digital-first challenger bank; similar scale, fintech governance model, comparable sustainability disclosure gaps
View breakdown →Fintech payments firm; no branches, high growth, minimal published climate/financed emissions reporting
View breakdown →Global systemically important bank; large financed emissions footprint; subject to major regulatory enforcement on compliance and climate commitments
View breakdown →Major UK lender; committed to net-zero but faces scrutiny on financed emissions scope and fossil fuel exposure
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