Starling Bank

aid: starling-bank
url: https://raw.githubusercontent.com/api-evangelist/starling-bank/refs/heads/main/apis.yml
name: Starling Bank
kind: company
description: Starling Bank is a UK app-only digital challenger bank founded in 2014 by Anne Boden and headquartered in London,
  holding a full UK banking licence and authorised and regulated by the Prudential Regulation Authority and the Financial
  Conduct Authority (FSCS-protected, SWIFT SRLGGB2L). It is a privately held company - not a mutual and not publicly listed
  - backed by investors including Goldman Sachs, Fidelity, and the Qatar Investment Authority, and it also licenses its core
  banking platform as Software-as-a-Service under the "Engine by Starling" brand. As an FCA-authorised ASPSP it participates
  in UK Open Banking / PSD2, but Starling is best known for its own developer-friendly, bespoke RESTful Developer API (accounts,
  transaction feed, payments, payees, savings goals/spaces, cards, mandates, and identity) served over OAuth2 at api.starlingbank.com
  with a full sandbox, alongside its Open Banking Read/Write (AIS, PIS, CBPII) conformance to the Open Banking Implementation
  Entity (OBIE) standard secured with FAPI-grade OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Starling
  is a challenger bank and is not one of the nine CMA9 mandated banks.
accessModel:
  pricing: free
  onboarding: self-serve
  trial: true
  try_now: false
  public: false
  label: Free · Self-serve developer signup with sandbox
  confidence: high
  source:
  - authentication
  - documentation
  generated: '2026-07-23'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Banking
- Open Banking
- PSD2
- OBIE
- United Kingdom
- Payments
- Account Information
- Challenger Bank
- Fintech
- FAPI
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: starling-bank:starling-accounts-api
  name: Starling Accounts API
  description: Bespoke Starling Developer API for retrieving a customer's accounts, account identifiers (sort code / account
    number), and balances. Served over OAuth2 at the api.starlingbank.com/api/v2 host with a full sandbox at api-sandbox.starlingbank.com.
  humanURL: https://developer.starlingbank.com/docs
  baseURL: https://api.starlingbank.com/api/v2
  tags:
  - Accounts
  - Balances
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs
  - type: APIReference
    url: https://developer.starlingbank.com/docs
  - type: Sandbox
    url: https://api-sandbox.starlingbank.com/api/v2
- aid: starling-bank:starling-account-holder-api
  name: Starling Account Holder API
  description: Returns account-holder profile information - the type of account holder (individual, business, joint, sole
    trader), name, and registered details - from the Starling bespoke Developer API.
  humanURL: https://developer.starlingbank.com/docs
  baseURL: https://api.starlingbank.com/api/v2
  tags:
  - Account Holder
  - Identity
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs
  - type: APIReference
    url: https://developer.starlingbank.com/docs
- aid: starling-bank:starling-transaction-feed-api
  name: Starling Transaction Feed API
  description: The Starling transaction feed (feed items) API exposes real-time transaction activity, feed-item detail, spending
    categories, receipts, and attachments for an account over the bespoke Developer API.
  humanURL: https://developer.starlingbank.com/docs
  baseURL: https://api.starlingbank.com/api/v2
  tags:
  - Transactions
  - Feed Items
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs
  - type: APIReference
    url: https://developer.starlingbank.com/docs
- aid: starling-bank:starling-payments-api
  name: Starling Payments API
  description: Initiate and manage domestic and scheduled payments, payment orders, and standing orders from a Starling account
    through the bespoke Developer API, secured with OAuth2 and payment scopes.
  humanURL: https://developer.starlingbank.com/docs
  baseURL: https://api.starlingbank.com/api/v2
  tags:
  - Payments
  - Standing Orders
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs
  - type: APIReference
    url: https://developer.starlingbank.com/docs
- aid: starling-bank:starling-payees-api
  name: Starling Payees API
  description: Create, list, and manage payees (beneficiaries) and payee accounts used when initiating payments from a Starling
    account via the bespoke Developer API.
  humanURL: https://developer.starlingbank.com/docs
  baseURL: https://api.starlingbank.com/api/v2
  tags:
  - Payees
  - Beneficiaries
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs
  - type: APIReference
    url: https://developer.starlingbank.com/docs
- aid: starling-bank:starling-savings-goals-api
  name: Starling Savings Goals API
  description: Create and manage Savings Goals (Spaces), add or withdraw money, and round-up transfers within a Starling account
    through the bespoke Developer API.
  humanURL: https://developer.starlingbank.com/docs
  baseURL: https://api.starlingbank.com/api/v2
  tags:
  - Savings Goals
  - Spaces
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs
  - type: APIReference
    url: https://developer.starlingbank.com/docs
- aid: starling-bank:starling-cards-api
  name: Starling Cards API
  description: Retrieve card details and control card settings - enabling or disabling the card and per-feature controls (ATM,
    online, mobile wallet, magstripe, gambling) - via the Starling bespoke Developer API.
  humanURL: https://developer.starlingbank.com/docs
  baseURL: https://api.starlingbank.com/api/v2
  tags:
  - Cards
  - Card Controls
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs
  - type: APIReference
    url: https://developer.starlingbank.com/docs
- aid: starling-bank:starling-mandates-api
  name: Starling Mandates API
  description: List and cancel direct debit mandates on a Starling account through the bespoke Developer API.
  humanURL: https://developer.starlingbank.com/docs
  baseURL: https://api.starlingbank.com/api/v2
  tags:
  - Mandates
  - Direct Debits
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs
  - type: APIReference
    url: https://developer.starlingbank.com/docs
- aid: starling-bank:starling-identity-api
  name: Starling Identity API
  description: Returns the identity and token/authorising-individual context for the authenticated Starling user, including
    the scopes granted to the access token, via the bespoke Developer API.
  humanURL: https://developer.starlingbank.com/docs
  baseURL: https://api.starlingbank.com/api/v2
  tags:
  - Identity
  - OAuth
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs
  - type: APIReference
    url: https://developer.starlingbank.com/docs
- aid: starling-bank:starling-open-data-api
  name: Starling Open Data API (OBIE Standard)
  description: UK Open Banking Open Data API - PUBLIC, unauthenticated reference data (personal and business current accounts,
    and, for banks with a physical estate, ATMs and branches) modelled on the OBIE Open Data standard. Starling is an app-only
    bank with no branches or ATM estate; no live Open Data endpoint was confirmed for Starling during this review, so the
    harvested specification is the shared OBIE standard, not a Starling contract.
  humanURL: https://developer.starlingbank.com/docs/open-banking
  baseURL: https://api.starlingbank.com/open-banking
  tags:
  - Open Data
  - Reference Data
  properties:
  - type: OpenAPI
    url: openapi/obie-opendata-swagger.json
  - type: Documentation
    url: https://developer.starlingbank.com/docs/open-banking
  - type: APIReference
    url: https://github.com/OpenBankingUK/opendata-api-spec-compiled
- aid: starling-bank:starling-account-transaction-api
  name: Starling Account and Transaction Information API (AIS, OBIE Read/Write)
  description: UK Open Banking Read/Write Account and Transaction Information (AIS) API for accessing account, balance, transaction,
    and product data as an FCA-authorised ASPSP, conformant to the OBIE Read/Write standard and secured with FAPI OAuth2/OIDC,
    mutual-TLS, and PSD2 strong customer authentication. Base path shown is the OBIE standard shape and was not publicly confirmed
    for Starling.
  humanURL: https://developer.starlingbank.com/docs/open-banking
  baseURL: https://api.starlingbank.com/open-banking/v3.1/aisp
  tags:
  - Account Information
  - AIS
  - Open Banking
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs/open-banking
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: starling-bank:starling-payment-initiation-api
  name: Starling Payment Initiation API (PIS, OBIE Read/Write)
  description: UK Open Banking Read/Write Payment Initiation (PIS) API for initiating domestic and other payments as an FCA-authorised
    ASPSP, conformant to the OBIE Read/Write standard and secured with FAPI OAuth2/OIDC, mutual-TLS, and PSD2 strong customer
    authentication. Base path shown is the OBIE standard shape and was not publicly confirmed for Starling.
  humanURL: https://developer.starlingbank.com/docs/open-banking
  baseURL: https://api.starlingbank.com/open-banking/v3.1/pisp
  tags:
  - Payment Initiation
  - PIS
  - Open Banking
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs/open-banking
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
- aid: starling-bank:starling-confirmation-of-funds-api
  name: Starling Confirmation of Funds API (CBPII, OBIE Read/Write)
  description: UK Open Banking Read/Write Confirmation of Funds (CBPII) API allowing a card-based payment instrument issuer
    to confirm whether funds are available, as an FCA-authorised ASPSP, conformant to the OBIE Read/Write standard and secured
    with FAPI OAuth2/OIDC, mutual-TLS, and PSD2 strong customer authentication. Base path shown is the OBIE standard shape
    and was not publicly confirmed for Starling.
  humanURL: https://developer.starlingbank.com/docs/open-banking
  baseURL: https://api.starlingbank.com/open-banking/v3.1/cbpii
  tags:
  - Confirmation of Funds
  - CBPII
  - Open Banking
  properties:
  - type: Documentation
    url: https://developer.starlingbank.com/docs/open-banking
  - type: APIReference
    url: https://github.com/OpenBankingUK/read-write-api-specs
common:
- type: VulnerabilityDisclosure
  url: security/starling-bank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/starling-bank-domain-security.yml
- type: Security
  url: https://www.starlingbank.com/security/disclosure/
- type: Authentication
  url: authentication/starling-bank-authentication.yml
- type: Packages
  url: packages/starling-bank-packages.yml
- type: SDKs
  url: packages/starling-bank-packages.yml
- type: WellKnown
  url: well-known/starling-bank-well-known.yml
- type: SecurityTxt
  url: well-known/starling-bank-security.txt
- type: Conformance
  url: conformance/starling-bank-conformance.yml
- type: Lifecycle
  url: lifecycle/starling-bank-lifecycle.yml
- type: Conventions
  url: conventions/starling-bank-conventions.yml
- type: Idempotency
  url: conventions/starling-bank-conventions.yml
- type: ErrorCatalog
  url: errors/starling-bank-problem-types.yml
- type: Sandbox
  url: sandbox/starling-bank-sandbox.yml
- type: LLMsTxt
  url: llms/starling-bank-llms.txt
- type: Overlay
  url: overlays/starling-bank-opendata-overlay.yaml
- type: APIReference
  url: https://developer.starlingbank.com/docs
- type: Website
  url: https://www.starlingbank.com/
- type: DeveloperPortal
  url: https://developer.starlingbank.com/
- type: Documentation
  url: https://developer.starlingbank.com/docs
- type: GettingStarted
  url: https://developer.starlingbank.com/docs/getting-started
- type: OpenBanking
  url: https://developer.starlingbank.com/docs/open-banking
- type: GitHubOrganization
  url: https://github.com/starlingbank
- type: LinkedIn
  url: https://www.linkedin.com/company/starling-bank
- type: Blog
  url: https://www.starlingbank.com/blog/
- type: StatusPage
  url: https://starlingbank.statuspage.io/
- type: Support
  url: https://developer.starlingbank.com/community
- type: Compliance
  url: https://www.starlingbank.com/current-account/service-information/api-performance/
- type: TermsOfService
  url: https://www.starlingbank.com/legal/
- type: PrivacyPolicy
  url: https://www.starlingbank.com/legal/privacy-notice/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com