SEPA at Starling Bank (the UK)
Working with Starling Bank (BIC SRLGGB3L, Sort code 60-83-XX)? Here is what you need to upload your SEPA file and have it processed without friction.
TL;DR
- BIC:
SRLGGB3L - Sort code:
60-83-XX - SCT cut-off: Faster Payments 24/7
- Formats: Faster Payments (GBP), SEPA XML pain.001 (EUR account)
- Upload path: Starling Bank app/web -> Payments -> Bulk Payments (CSV) or API.
Important: in the UK, Sterling (GBP) transfers use Bacs / Faster Payments, not SEPA. SEPA only applies to euro operations. The UK remains in the SEPA scheme post-Brexit via UK Finance.
Quirks
UK digital bank with multi-currency EUR/USD account. SEPA available on the EUR account.
Step-by-step upload
- Generate your SEPA XML in GenerateSEPA or export from your ERP.
- Validate the batch with our SEPA XML Validator.
- Sign in to online banking: Starling Bank app/web -> Payments -> Bulk Payments (CSV) or API.
- Confirm signing (second factor if needed).
- Download the receipt.
Spotting a Starling Bank IBAN
Verify any IBAN with Bank from IBAN before triggering a collection or payment.
Common errors
- Uploading an unsupported file format (check ‘Formats’ above).
- Missing the Faster Payments 24/7 cut-off (operation rolls to D+1).
- Out-of-date debtor IBAN or mandate (AC01 / MD01 returns).
Conclusion
Starling Bank accepts standard SEPA XML for euro operations. Follow the steps above and always validate before submitting. Confirm the exact upload path with your relationship manager if the UI differs (screens change).
