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Starling x Octopus Terms and Conditions

Updated 17 July 2026

These terms and conditions are for Starling Bank’s promotional offer with Octopus Energy (the "Offer"). They contain important information about how the Offer works, who can take part in it, and when the reward offered through the Offer is paid.


By opting-in to the offer, you agree to be bound by the following Terms and Conditions:


Eligibility


  1. You'll need to be a new or existing domestic customer of Octopus Energy for the supply of electricity and/or gas. Business energy accounts are not eligible for this offer.

  2. You'll need to pay your Direct Debit to Octopus using a Starling personal GBP current account or joint account. This doesn’t include any other types of Starling account, like business, teen, savings or any currency accounts.

  3. If you're a new customer, you must set up your Octopus account using the unique link you'll be redirected to after accepting these T&Cs. Accounts set up by other means - such as directly through the website or via phone, may not be eligible to receive the incentive payment.

  4. Incentive payments will be paid to you by Starling to your Starling account. Please allow up to 60 days after joining Octopus or opting-in to the reward for the reward to be applied.

  5. If you have a joint Starling account, only one reward will be paid, even if you both have a separate household energy supply contract with Octopus.


You won’t qualify for the reward if any of the following apply:

  • You're an existing customer who's previously claimed and received energy credot or another affiliate offer, including refer-a-friend credit.

  • You're returning to Octopus within 12 months, and have previously claimed and received energy credit or another affiliate offer, including refer-a-friend credit.

  • Octopus doesn’t become your energy supplier for any reason, for example because you change your mind, you're unable to register, or your application is objected to.

  • You cancel your household energy supply contract with Octopus before we start to supply energy to your home or before a Direct Debit payment to Octopus goes through from your Starling account;
     

  • You make a Direct Debit payment to Octopus from Starling but not from a Starling personal GBP current account or joint account;

  • Your household energy supply contract with Octopus is either a pre-payment or business contract;

  • You do not register for the Offer through the Starling app.



How you’ll receive the reward 


If you qualify for the reward, Starling will pay it into your Starling account within 60 days of your first Octopus Direct Debit payment going through from it, or within 60 days of opting-in to the reward (in the case of existing customers). If you haven’t received the reward after that time, please contact Starling.


If you’ve got more than one Starling account, Starling will pay the reward into the one you used to make your successful Direct Debit payment to Octopus. 


If your Starling account is closed by you or Starling before the reward is paid, you won’t receive it. This applies even if you’ve met all the other eligibility criteria and completed the steps to qualify, as set out in these terms.



Data Protection and Information


  1. To confirm your eligibility for the £50 reward and to apply the reward, you agree to Octopus sharing your data with Starling; including your name, Direct Debit reference, sort code, and last three digits of the account number.

    This data will held for the purposes of fulfilling the offer, up until 6 months after the Offer ends.

    For the purposes of this offer, Starling is the data recipient/processor, and Octopus is the data controller.

    All data will be shared in line with Octopus Energy's Privacy Policy, and Starling's Privacy Notice.

  2. Octopus Energy reserves the right to cancel or amend the Offer without prior notice. In the event of any dispute regarding any aspect of the Incentive, the decision of Octopus Energy shall be final, and no correspondence will be entered into.

These Programme Terms and Conditions are separate to the terms and conditions for the supply of gas and electricity that you or other customers referred to Octopus will have with Octopus Energy and nothing under these Terms and Conditions will affect your, or their, rights and obligations under those terms.


Other important information 


The Offer is subject to availability and will run until withdrawn by Starling or Octopus. Starling and Octopus can withdraw it at any time.  


The right to the reward can’t be transferred or exchanged for any other kind of benefit.


We can withdraw or change these terms at any time. If you’d already registered for the Offer on or before the date when we change these terms, and you qualify for the reward, we’ll pay you the reward in line with the terms that applied when you registered; 

Starling can refuse to pay you the reward if: 

  • you break these terms or any terms relating to your Starling or Octopus accounts;

  • your Starling account has been restricted;

  • they're not legally allowed to; or 

  • we think you’re participating fraudulently or attempting to abuse the Offer.

Warranties and Liability

  1. By applying for the Offer, you warrant that all information submitted by you is true, current and complete. If any information you share with us is found to be fraudulent or incorrectly completed or if Octopus Energy has reasonable grounds to believe that you have breached any of these Terms and Conditions, Octopus Energy reserves the right to terminate these Terms and Conditions with you.

  2. Octopus Energy’s liability to you, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, arising under or in connection with these Terms and Conditions or the Programme shall be limited to the amount of Reward for referrals which remain unpaid as at the date of the relevant claim.

  3. These Terms and Conditions and the Programme is governed by the laws of England and Wales.



Getting in touch


If you’re a Starling customer, the fastest way to contact them is via the app. Or if you prefer, call them on 020 7930 4450 or pop over an email to help@starlingbank.com.


If you’re reaching out via the Starling app: Log in to your app, tap the menu icon in the top right corner, tap ‘Help’ and then ‘Talk to Starling’. You’ll then be able to send Starling a message or start a live chat session.