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

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Transaction Reporting

This is related to the Yapily endpoint Get Transactions

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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 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.

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Balance Reporting

This is related to the Yapily endpoints:
  • Get Account
  • Get Accounts
  • Get Account Balances

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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

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Balance Date & Time

accountBalances/datetime 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.