I do think we need to get the wording over this correct, because it does seem like these forums have a habit of echoing statements made by users, which then become “the go to answer”,when in fact, it could be completely wrong.
Take the “Starling subsidises it’s current account from it’s revenue in the B2B sector”… Who actually said that, or was it an assumption made from the fact they had some business contracts (what looked like good ones?)
The recent report showed a pretty small amount of revenue if I remember correctly, so it looks like that statement is untrue.
Now… This whole “The Starling app has never failed” business… The assumption to most people (I should think), is that at no point in time, has the Starling app not worked as it’s supposed to.
I’m sure we can all agree that the Starling app has failed to work as intended, many, many times. This could be notifications, bugs, FPS failures, card failures (through GPS)… All of these things can be associated with the “app” as it’s an app only bank.
We’ve had this conversation before (quite recently if I recall), and what you are saying, is that the Starling app has never completely imploded and simply not worked at all (as in… absolutely nothing).
I’m not quite sure what the point of that statement is. The vast majority of my apps have never completely messed up, so it’s a little like saying “water is wet”.
The overall Starling stability might be better than others (I disagree with this, but YMMV), but to keep saying “It’s never failed” is factually incorrect, and it’s spreading false information.
If we are going to crucify mistakes from other banks (big and small), we should at least be honest about Starling, otherwise it does end up looking a little “rose tinted” and all that.