Starling Bank is a UK digital bank and private fintech company offering personal, business, and multi-currency accounts through a mobile app. It was founded in 2014 and is headquartered in London, serving customers as a licensed bank.
Access to pre-IPO shares is available to accredited investors through UpMarket.
Starling Bank shares are not on public exchanges. UpMarket provides accredited investors access through secondary market transactions.
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Pre-IPO investments are illiquid, speculative, and involve risk of total loss of capital.
Starling announced a £50 million investment from Goldman Sachs Growth Equity in April 2021, signaling external backing for expansion. The company described itself as the leading UK digital bank in that announcement.
Starling reported £714 million revenue for the year ending March 2025, up from £682 million the prior year. At a £4 billion valuation, that implies roughly 5.6 times revenue.
Clay’s funding dossier says Starling has completed 11 funding rounds and raised about $1.1 billion in total. It lists Goldman Sachs and Harald McPike among the bank’s key investors.
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No. As of March 2026, Starling Bank is a private company and does not trade on any public stock exchange. Accredited investors can access Starling Bank shares through UpMarket, a FINRA-registered broker-dealer that specializes in pre-IPO investments.
Starling Bank does not have a public stock price because it is privately held. The most recent known share price comes from its last funding round. Pre-IPO share prices on the secondary market may differ from the last round price depending on supply, demand, and market conditions.
Yes. Accredited investors can indicate interest in Starling Bank shares through UpMarket by filling out the form on this page or creating an account at upmarket.co. All pre-IPO offerings are subject to availability and require a $50,000 minimum investment. UpMarket is a FINRA-registered broker-dealer and has brokered more than $500M in alternative investments since 2019.
Pre-IPO investments carry significant risks. Starling Bank shares are illiquid, meaning there is no public market to sell them quickly. There is no guaranteed exit timeline or return. The investment is speculative in nature, and investors should be prepared for the possibility of total loss. Valuations of private companies can fluctuate substantially between funding rounds. Investors should consult their financial advisor and review all offering documents before investing.
In a pre-IPO transaction, accredited investors purchase shares from existing shareholders (such as employees, early investors, or other holders) through secondary market platforms. The company itself does not issue new shares in these transactions. UpMarket facilitates these trades as a FINRA-registered broker-dealer, handling compliance, documentation, and settlement on behalf of both parties.
There are two primary exit paths for pre-IPO holdings: selling your shares on the secondary market to another buyer, or holding until the company completes an IPO or is acquired. Both paths are subject to transfer restrictions, company approval (right of first refusal), and market conditions. The timing of any exit is unpredictable, and investors should plan for a multi-year holding period.
The minimum investment for most pre-IPO offerings on UpMarket is $50,000. This amount may vary depending on the specific offering and share availability. There are no fees to create an UpMarket account or browse available investments. Investors only pay transaction-related fees when they complete an investment.
UpMarket's valuation estimate of is derived from a proprietary model that incorporates multiple data sources: funding round data (Caplight), revenue estimates (Sacra), secondary market pricing, and public company comparables. The model applies a private company discount to the public comp multiple to account for illiquidity and information asymmetry. This estimate is not investment advice and may differ substantially from the price at which shares actually trade.
Starling Bank is a UK digital bank offering personal, business, and multi-currency accounts through its mobile app, with £682M revenue in 2024, and drew £50M from Goldman Sachs in 2021 — accredited investors can access Starling Bank stock through UpMarket.