Engine by Starling
Cloud-native next-gen · London · est. 2022
Starling Group subsidiary
Overview
Starling Bank's own core and digital banking stack, licensed to other banks as managed SaaS. The entity dates from 2022; the platform has been live at Starling since 2016. Engine publishes no list of connected payment schemes.
Fact base
As of Sep 2026 · public sources only
confirmednot offerednot publicly disclosed
Institution type
- Tier 1 bank: confirmed
- Tier 2/3 bank: confirmed
- Challenger / neobank: confirmed
- Fintech: not offered
- BaaS / embedded finance: not offered
Region
- UK: confirmed
- Europe / EU: confirmed
Products
- Current accounts: confirmed
- Savings / deposits: confirmed
- Lending: confirmed
- Mortgages: confirmed
- Cards: confirmed
- Payments: confirmed
- Wealth: not offered
- Multi-currency: confirmed
Payment schemes
- SEPA: not publicly disclosed
- SEPA Instant: not publicly disclosed
- TARGET2: not publicly disclosed
- ISO 20022 native: not publicly disclosed
Deployment
- Cloud-native: confirmed
- SaaS: confirmed
- Private cloud: not offered
- On-premise: not offered
Compliance
- ISO 27001: confirmed
- SOC 2: confirmed
- DORA statement: not offered
Reference clients EU/UK
- Starling Bank
- Salt Bank (Romania)
Pricing model
Subscription / usage-based managed SaaS; price points not disclosed.
Latest
Feb 2026: SBS Bank (New Zealand) signs a ten-year deal – Engine's fourth international client, implemented by Deloitte. Preceded by Tangerine (Scotiabank) in Nov 2025, Engine's largest deal to date, and a US subsidiary launched in Apr 2025.