Who are Starling Bank?

Founded in 2014 by Anne Boden, Starling is the UK’s first mobile bank offering super-fast setup, beautifully simple money management and 24/7 support, all with no monthly fees. From small businesses with big ambitions to freelancers figuring out tax returns, Starling’s award-winning business bank account is designed to make entrepreneurial life a little easier.

Key features

No monthly account fees

Speedy setup

Apply in minutes, with no three week waits.

Integrate with Xero, QuickBooks and FreeAgent

24/7 UK customer support

Stay in the know

With real time payment alerts and categorised transactions for spending insights.

Easy deposits

Deposit money at over 11,500 Post Office branches *. Send cheques via freepost, too.

FSCS protection

We’re a fully registered bank and the FSCS protects any money you keep with us up to £85,000 for eligible customers.**

Recognised For:

Who’s eligible for a Starling business bank account?

● You’re the owner of a limited company and you’re the only person with significant control
(PSC) over it.
● You’re part of a limited company with multiple owners. With our multi-PSC account, you and
your fellow PSCs will each get a Mastercard debit card and access to a beautifully simple
mobile bank account. For more information, read our blog post titled ‘Introducing:
Multi-owner mobile business accounts for limited companies’.
● You’re self-employed. Our sole trader account is available exclusively to those who already have a Starling Bank personal account.
Entities engaged in, or linked in any way to, certain activities may not be able to open or have a businessbank account with Starling. Visit our Legal Documentation page at and select Business Current Account Terms for more information.

Getting started

Apply in minutes
It takes just a few minutes, direct from your mobile. No paperwork or branch visits required.

● To Get Started please Click Here.
● Download the app from Google Play Store or the App Store .
● Enter your personal details
● Verify who you are by uploading your identification documents and sending us a short video
● We’ll carry out some quick checks at a UK Credit Reference Agency
● Provide a few details about your business, such as its day to day activities and online
● We will then look to approve your application as soon as possible so you can start making the most of all the features to help you manage your business finances better.

Birmingham Top Accountants – AMCI Associates

At Birmingham Top Accountants AMCI Associates, we hold strong ethical values that have guided us in the development of a ‘one- stop shop’ approach for our clients business and financial needs. For our clients, we are seen as their finance department making them significant cost savings.

Our clients include landlords and property investors, online and traditional retail and wholesale businesses, freelancers and contractors, care homes, caterers (restaurants, takeaways and special events caterers), the construction industry and beauty salons.


Our vision is to help you to achieve your financial freedom through sound advice.


Our mission is to add value to our small and medium sized clients business and financial development. Our talented people are passionate in providing unparallel service to delight our clientele so that they can achieve their goals, profitably.



We have the professional competences and adopt a positive attitude in solving your problems however big or small they might be. For example, if you are undergoing a tax investigation by HMRC, contact us so that we can resolve it amicably. We will communicate with you in plain English and undertake an in-depth examination of the situation so that we can clearly understand the nature of the investigation and assist you appropriately in dealing with HMRC.


Our team is highly motivated to make a difference to your bottom line. For example, if you are seeking to raise finance for your new or existing business venture, contact us so that we could assist you to evaluate your proposal to achieve a most favourable outcome. We have direct links with High Street banks and other lenders making it easier for you to raise finance!


Time to time, we all need to adapt to changing environment. We embrace change as an opportunity for continuous improvement. For example, our advisory services can implement creative and innovative solutions to whatever challenges you might be facing now or in the future. We promise not to let you down!


We take pride in everything that is fair, honest and knowledgeable and build trust in every situation. As your trusted advisors, we are committed to excellence in achieving agreed outcomes. We lead where others follow. Your success is our success!

For more details please visit

AMCI Associates : Top Business Accountants In Birmingham

What a year has 2020 been?  With the onset of Covid-19 in March to still a great deal of uncertainty caused by Brexit, we are all getting ready to say goodbye to the most challenging year in our lifetime.

The Supermarkets and wholesalers are warning shoppers of shortages of lettuce, broccoli, and citrus fruit around Christmas after France banned haulers carrying freight across the Channel in an effort to contain the spread of a new coronavirus strain.  Retailers said the ingredients for a traditional Christmas lunch, such as turkey, carrots, peas, potatoes, parsnips, and brussels sprouts were mostly produced in the UK and available to buy, but some shelves could soon be empty of some fresh produce imported from Europe.  This means preparation is the key, don’t leave things to the last minute, act immediately, or suffer the consequences. 

Regardless of deal or no deal on Brexit at the last minute, unfortunately, supply chains will not be the same again in the short term. Those of us that are reliant on overseas produce, order early, expect an increase in prices and further delays at the borders.  If you are unsure of any aspects of supply chain documentation or need some reassurance, contact us at AMCI Associates Ltd.

In addition to the following services that we have been providing for many years, this year we have assisted greatly with a coronavirus job retention scheme, self-employed income support grants, bounce back loans, and coronavirus business interruption loans.  Whilst we don’t have the cure for the covid-19, we have certainly tried to ease the financial pain.  Get in touch if you need any further assistance here (  Our traditional services include:

  • Accountancy:
    • Book Keeping using cloud technology
    • Annual Accounts preparation for sole trader, partnership, private limited companies
    • Management Accounts to track progress on a monthly or quarterly basis
    • Taxation including tax enquires and investigations covering direct and indirect taxes
    • VAT returns, inquiries, and investigations
    • Payroll, auto-enrolment, and pensions prepared a weekly or monthly basis including digital communication
  • Business Advisory:
    • Company formations including setting up limited companies by guarantee and different class of share structures
    • Business start-up advice – book to be published in first quarter of 2021 on the subject matter
    • Business Planning and forecasting to help you to succeed in 2021 and beyond
    • Benchmarking
    • R & D Credits for the innovative businesses with 100% success rate!
    • Commercial and Corporate finance at the most competitive rates possible
    • Project Management for bespoke situations
    • Asset Protection to ensure your loved ones can benefit from your successes rather than the taxman!

Fortune favours the bold and beautiful.  Fortunes are to be made in downturns, opportunities are there for some but, require careful planning and sound advice.  AMCI Associates Ltd is a relentlessly client-focused firm so we are to support you every step of the way in good and bad times.   Let’s hope we have a positive year ahead despite the predicted difficult trading conditions.

To finish, all the team here at AMCI ASSOCIATES LTD like to wish you, and your family a great covid safe Christmas, and a particularly Happy and Healthy 2021!


Tel:  +44 121 327 8316




Main Office:  133 Tame Road, Birmingham, West Midlands, B6 7DG

Office Hours:  Mon – Thur  09.00 – 19.30, Fri 09.00 – 13.00

(Closed from 24th December 2020 until 4th January 2021).

Top Accountant Firm in Birmingham, AMCI Associates GDPR Policy


The GDPR comes into effect on 25th May 2018 and we have updated our Privacy Policy to support this change.  The GDPR should be seen as a positive step towards having more control over how data is gathered, stored and used.  It updates and strengthens existing legislation which was drafted in a non-digital environment.  In looking after business and personal data, we have always taken this area very seriously and we have over the years built robust processes and systems to ensure that we have taken all reasonable steps to be secure.  In reading our Privacy Policy set out below, you will see not only your rights but also how we have addressed the requirements of the GDPR.



AMCI ASSOCIATES LTD is a Data Controller and registered with the Information Commissioners Office (ICO).  We also trade through a number of other legal entities, which are closely related by virtue of common ownership.  The full list of legal entities is as follows:


This privacy notice relates to all of the above legal entities within the AMCI Group.

We may amend this privacy notice from time to time.  If we do so, we will supply you with and/or otherwise make available to you a copy of the amended privacy notice.

Where we act as a Data Processor on behalf of a Data Controller (eg, payroll), we will issue a Letter of Engagement and be guided by that within the remits of GDPR regulation.  If you want to request more information about our privacy policy or information regarding data protection you should contact  Head of Privacy,

AMCI ASSOCATES LTD, 133 Tame Road, Witton, Birmingham, B6 7DG.                           

Tel:  0121 327 8316, Email:


We are committed to protecting and respecting your personal data and privacy.  This privacy and cookie policy relates to our use of any personal data we collect from you from any our services.  Whenever you provide such information, we are legally obliged to use your information in line with all applicable laws concerning the protection of personal data.

As well as this Privacy Policy, your privacy is protected by law.  The GDPR that comes into force on 25th May 2018 ensures that we use your personal information only if we have a property reason to do so.  This includes sharing it outside the AMCI Group.  The law says we must have one or more of these reasons for using your data:

  • To fulfil a contract we have with you to provide our services
  • Where it is our legal duty
  • When it is in our legitimate interest
  • When you consent to the use of the data

A legitimate interest is when we have a business or commercial reason to use your information.  But even then, it must not unfairly go against what is right and best for you.  If we rely on our legitimate interest, we will tell you what that is.


Under the GDPR your rights are:

  1. To be informed – we must make available this privacy notice with the emphasis on transparency over how we process your data
  2. Access – you are entitled to find out what details we may hold about you and why
  3. Rectification – we are obliged to correct or update your details
  4. Restrict processing – you have the right to ‘block’ or suppress the processing by us of your personal data
  5. Data portability – you have the right to obtain and reuse your personal data that you have provided to us
  6. Object – you have the right to object to us processing your data in relation to direct marketing and or profiling
  7. Rights in relation to automated decision making and profiling – we do not use automatic decision making or processing

The data we collect about you

  1. We process personal data.  Personal data we process may include your (or your employer’s or our client’s) name, address, date of birth, family relationships and email address.  It also may include your IP address and cookies (website)
  2. We will collect personal data from you in relation to the provision of our services to you, including details relating to your tax affairs, bank accounts, investments, payroll information, accounting records and other statutory returns
  3. We may require documentary details from you such as driving licence, passports or birth certificate, in order to comply with our obligations under identification, money laundering and anti-terrorism legislation
  4. Our collection methods are:
  5. via our website;
  6. through engagement  (or potential engagement) of our services;
  7. by communications, including email, telephone, post or social media;
  8. networking
  9. through engagement of service providers
  10. via third parties and/or publically available resources (eg, Companies House)
  11. When using our digital services, such as our website or other digital services, we gather data from you using cookies and other internet tracking software such as Google Analytics.  The purpose of this is to understand how you are using our services, and to provide you with better and enhanced information.

How your data will be used

  1. We use information held about you to:
  2. provide services to you (or your employer or our client) under a contract, as set out in a Letter of Engagement between us;
  3. ensure that content from our website is presented in the most effective manner for you and for your devices;
  4. provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes or by Legitimate interests;
  5. allow you to participate in interactive features of our service when you choose to do so
  6. carry out necessary maintenance to our infrastructure;
  7. notify you about changes to our services;
  8. fulfil our legal obligations including money laundering and identification checks, complying with anti-terrorism financing and Criminal Finance act legislation;
  9. use in the investigation and/or defence of potential complaints, disciplinary proceedings and legal proceedings; and
  10. enable us to invoice you for our services and investigate/address any attendant fee disputes that may have arisen
  11. If you refuse to provide us with certain information when requested, we may not be able to perform the contract we have entered into with you.  Alternatively, we may be unable to comply with our legal or regulatory obligations.

We may also process your personal data without your knowledge or consent, in accordance with this notice, where we are legally required or permitted to do so.  We also embrace the use of social media and may wish to process any comments made public to you.

Legitimate interest and Marketing

  1. We may process your data for the purposes of our own legitimate interests provided that those interests do not override any of your own interests, rights and freedoms which require the protection of personal data.  This includes processing for marketing, business development, statistical and management purposes
  2. If you are an existing client or contact, we will send you information about other products, events and services that we feel may be of interest to you.  You have a right at any time to ask us to stop contacting you for marketing purposes
  3. We will never sell your data to a third party for marketing purposes

How we will share your data

  1. We will share your information within the AMCI Group for administration purposes to develop ways to meet our clients needs and to carry out marketing activities.  Otherwise your information will be retained within the AMCI Group except where disclosure is required or permitted by law or when we use third party service providers (data processors) to supply and support our services to you
  2. We may also pass your data to third party external organisations where we are required by law, where it is necessary to administer the relationship between us or where we have another legitimate interest in doing so
  3. We use third party service providers such as agents, subcontractors and other organisations to help us provide services to you.    These would include:
  4. Cloud accounting and payroll providers including Quickbooks and Brightpay;
  5. Email and secure document exchange systems;
  6. Croner Taxwise Ltd;
  7. Telemarketing, research agencies and mailing houses;
  8. Off-site storage and cleaning services
  9. All of our third party service providers are required to take commercially reasonable and appropriate security measures to protect your personal data.  We only permit our third party service providers to process your personal data for specified purposes and in accordance with our instructions
  10. As part of the services offered to you, we may send your data outside of European Economic Area (EEC).  Where this is the case, we will take reasonable steps to ensure that your data is protected in the same way as if it was being used in the EEC.  Eg, where third party suppliers store data in the US, we will ensure that their services fall within the Privacy Shield.


We will only retain your personal data for as long as is necessary to fulfil the purposes for which it is collected.  When assessing what retention period is appropriate for your personal data, we take into consideration:

  • the requirements of our business and the services provided;
  • any statutory or legal obligations;
  • the purposes for which we originally collected the personal data;
  • the lawful grounds on which we based our processing;
  • the types of personal data we have collected
  • the amount and categories of your personal data; and
  • whether the purpose of the processing could reasonably be fulfilled by other means


Under GDPR you have the right to erasure under specific circumstances.  A request for your personal data to be deleted will be decided on a case by case basis and must be submitted in writing to Head of Privacy.


We will correct or update your data at the earliest opportunity provided you make the request in writing to our Head of Privacy, clearly specifying which data is incorrect or out of date.


We have put in place commercially reasonable and appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed.  In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know.  They will only process your personal data on our instructions and they are subject to duty of confidentiality.

We have put in place procedures to deal with any suspected data security breach and will notify you and any applicable regulator of a suspected breach where we are legally required to do so.


  1. We strive to be as open as we can be in terms of giving people access to their personal data.  A Subject Access Request under the GDPR is your right to request a copy of the information that we hold about you.  Such requests must be in writing to the contact details provided in this policy.  If we do hold your personal data, we will respond in writing within one calendar month of your request (where that request was submitted in accordance with this policy)
  2. The information we supply will:
  3. Confirm that your data is being processed;
  4. Verify the lawfulness and the purpose of the processing;
  5. Confirm the categories of personal data being processed;
  6. Confirm the type of recipient to whom the personal data have been or will be disclosed; and
  7. Let you have a copy of the data in an intelligent form
  8. Please note that you may need to provide identification in order to prove who you are to access your data
  9. If you agree, we will try to deal with your request informally, eg. By providing you with the specific information you need over the telephone
  10. In the instance that we do not hold information about you we will also confirm this in writing at the earliest opportunity


We keep our privacy notice under regular review and you should check back regularly to ensure you are aware of changes to it.  We may display this notice to your from time to time to help ensure you are aware of its concerns.


Where you have consented to our processing of your personal data, you have the right to withdraw that consent at any time.  Please inform us immediately if you wish to withdraw your consent.

Please note:

  1. The withdrawal of consent does not affect the lawfulness of earlier processing
  2. If you withdraw your consent, we may not be able to continue to provide services to you
  3. Even if you withdraw your consent, it may remain lawful for us to process your data on another legal basis (Eg, because we have a legal obligation to continue to process your data)


You have the right to complain about the processing of your personal data.  Please contact us using the details provided above.  If you are still unsatisfied you have the right to complain to the ICO (

Top Birmingham Accountant Firm , AMCI Associates Success Techniques

At AMCI Associates Ltd, we have been providing high quality accountancy, taxation and business advisory services to owner managed businesses nationwide for over 17 years.  A relentlessly client focused firm.   What makes us unique is the care and attention provided to all our clients leading to a highly trusted status.  Our approach lies in offering clients a specialised service, akin to clients outsourcing their finance department with significant cost savings!

We are a proactive firm that helps clients to keep control of their business by reducing risk, minimising costs and maximising profits.  We assist you to grow so that you can achieve your goals of financial freedom.  Your success is our success!

These are a few comments from our clients…….

Marc Greene (Director – Skirting World Ltd)

AMCI Associates Ltd has been advising us from the start of our entrepreneurial journey for nearly 10 years.  Without Ihqlak’s  (Director) sound advice on cash flow management, profitability and business development, we would not have become a multi-million pound business within a short period of time.  He is truly the father our business and we cannot thank him enough and his team for all the support given. 

Clare Hitchens (Head to Toe Beauty) & Paul Upton (Director – A1 Top Job Ltd)

Clare – Without your help Ihqlak, I could not have got the business started.  You and your team are absolutely amazing! 

Paul – Thank you for advising us over many years, your support has been immensely appreciated.

Katie Smith (Director – Stechford Trucks Ltd)

Highly recommend AMCI Associates Ltd.  They have helped us so much with so many aspects of our business including strategic development, taxes, cash flow and human resource planning.  I couldn’t do without them.

Saleem Sattar (Director – Professional Services & Catering Businesses)

I have been with AMCI Associates since I qualified as a Pharmacist many years ago and cannot rate their service highly enough.  Ihqlak (Director) is very knowledgeable, professional and thorough.  I have total peace of mind knowing he is dealing with all the nitty gritty details of my accounts.  That’s not all, AMCI Associates are very proactive in chasing me if I am late (sorry Ihqlak) and genuinely care to ensure I have my affairs in order to give the complete package of personal and professional service.  Thanks Ihqlak.

Jassy Rai (Entrepreneur & Property Investor)

I have been with AMCI Associates Ltd for over 10 years now and like previous reviewers have said, the service is first class.  Ihqlak is very experienced in his field and equally as knowledgeable and is backed up by a very effective team.  Nothing is too much trouble including, raising of finance at very competitive rates!  I would not go anywhere else.  Keep up the good work!

David Walton (Director – SBD Services Ltd)

Ihqlak’s advice and help has been invaluable.  His understanding of international markets has greatly assisted me to develop my business despite the Brexit debacle.

If you would like to know more about how we can assist you, please contact us for a free, no obligation, one hour business review to assess your needs.


Tel:  +44 121 327 8316




Main Office:  133 Tame Road, Birmingham, West Midlands,  B6 7DG

Office Hours:  Mon – Thur 10.00 – 19.30, Fri 10.00 – 13.00