Starling implements a bespoke API. It differs in several fundamental ways from other UK banks that more closely follow the Open Banking standard .
This is related to the Yapily endpoint Get Transactions
There is no real differentiation between a ‘booked date’ and ‘value date’ for a transaction. Starling reports two timestamps on its transactions:
- Transaction Time - when a transaction was first received by Starling, but it may still be pending
- Settlement Time - when the transaction was booked, settled and has value
For pending transactions, only Transaction Time is reported (as above), not the date the transaction is expected to be booked.
This is related to the Yapily endpoints:
- Get Account
- Get Accounts
- Get Account Balances
There is no distinction between a ‘cleared balance’ and ‘booked balance’. Therefore, when reported, the following balances will always be the same value:
Starling does not report the date and time that the balance was last updated. As Yapily cannot derive this value, no ‘datetime’ is returned against the balance records.