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Starling Bank — UK challenger bank headquartered in London, regulated by the FCA and PRA, with personal, joint, business and multi-currency accounts.

HQ
London
Customers
4.2M+ accounts
Connection
Open Banking (read-only)

  • Current accounts and salary inflows

    Your Starling Bank current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Starling Bank are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Starling Bank account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Read by Bank AI

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • Tesco
  • Sainsbury's
  • Asda
  • Pret A Manger
  • Costa Coffee
  • Greggs
  • Amazon UK
  • Uber

Detected subscriptions

  • Netflix
  • Spotify
  • Disney+
  • Now TV
  • BT
  • Vodafone UK

  • How much sits across my Starling personal, joint and business accounts today?
  • Compare my Starling spending at Tesco and Sainsbury's with my other UK card.
  • List every active subscription on my Starling card.
  • What's the total of my Starling Spaces vs. main balance?

Does Bank AI move money on my Starling Bank account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Starling Bank. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Starling Bank app.

How does Bank AI connect to Starling Bank?

Starling Bank exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Are my Starling Spaces / Spending Insights visible in Bank AI?

Yes - Spaces (savings spaces / goal pots) are read as distinct sub-balances under your Starling connection. Spending Insights remains inside Starling; Bank AI provides its own categorisation cascade across all your banks.

Does Bank AI work with Starling Business and Sole Trader accounts?

Yes. Business and Sole Trader accounts are read separately from personal accounts under the same Starling connection and tagged for clean SME reporting.

What about my Starling EUR and USD multi-currency accounts?

Each currency Starling holds for you is read as a distinct balance. The home-currency net-worth view rolls them up using the live FX rate, but the per-currency breakdown is always available.

What happens if Starling Bank raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Starling Bank-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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