Starling Bank

Yapily's knowledge article about Starling's bespoke API.

Starling implements a bespoke API and it differs from other UK banks (that more closely follow the Open Banking standard) in several fundamental ways.

Transaction Reporting

This is related to the Yapily endpoint Get Transactions

Transaction Date & Time

transactions/valueDateTime
transactions/bookingDateTime

There is no real differentiation between a ‘booked date’ and ‘value date’ for a transaction. Starling reports two timestamps on it’s transactions:

  • ‘Transaction Time’ - when a transaction was first received by Starling (and it still may be pending)
  • ‘Settlement Time’ - when the transaction was booked, settled and has value

For transactions that are still pending, only ‘Transaction Time’ is reported (as above), not the date the transaction is expected to be booked.

Balance Reporting

This is related to the Yapily endpoints:

  • Get Account
  • Get Accounts
  • Get Account Balances

Balance Types

accountBalances/type

There is no distinction between a ‘cleared balance’ and ‘booked balance’. Therefore, when reported, the following balances will always be the same value:

  • INTERIM_BOOKED and INTERIM_CLEARED
  • OPENING_BOOKED and OPENING_CLEARED

Balance Date & Time

accountBalances/datetime

The date and time that the balance was last updated is not reported by Starling. As it is not possible for Yapily to derive this value, no ‘datetime’ is returned against the balance records.