Starling Bank

Manage Starling Bank accounts via the starling-bank-mcp server. Check balances, list transactions, create payees, make payments, manage savings goals, and track spending. Use when the user asks about their bank balance, transactions, payments, savings, direct debits, standing orders, or any Starling Bank operation. Requires the starling-bank-mcp npm package and a Starling personal access token.

Manage Starling Bank accounts through mcporter + starling-bank-mcp.

Setup

1. Install the MCP server

bash

npm i -g starling-bank-mcp

2. Get a Personal Access Token

Create one at https://developer.starlingbank.com/ (Personal Access Token with required scopes).

3. Configure mcporter

bash

mcporter config add starling \
  --command "node $(npm root -g)/starling-bank-mcp/dist/main.js" \
  --env STARLING_BANK_ACCESS_TOKEN="YOUR_TOKEN"

4. Verify

bash

mcporter list starling --schema

Quick Reference

Account basics

bash

# List accounts (get accountUid and default categoryUid)
mcporter call starling.accounts_list

# Get balance
mcporter call starling.account_balance_get accountUid=ACCOUNT_UID

# Get account holder info
mcporter call starling.account_holder_get

# Get sort code / account number
mcporter call starling.account_identifiers_get accountUid=ACCOUNT_UID

Transactions

bash

# List transactions (ISO 8601 timestamps required)
mcporter call starling.transactions_list \
  accountUid=ACCOUNT_UID \
  categoryUid=CATEGORY_UID \
  minTransactionTimestamp=2026-01-01T00:00:00.000Z \
  maxTransactionTimestamp=2026-01-31T23:59:59.999Z

# Get single transaction detail
mcporter call starling.feed_item_get \
  accountUid=ACCOUNT_UID \
  categoryUid=CATEGORY_UID \
  feedItemUid=FEED_ITEM_UID

Payments

bash

# List payees
mcporter call starling.payees_list

# Create payee
mcporter call starling.payee_create \
  payeeName="John Smith" \
  payeeType=INDIVIDUAL \
  accountIdentifier=12345678 \
  bankIdentifier=608371 \
  bankIdentifierType=SORT_CODE \
  countryCode=GB

# Make payment (amount in minor units / pence)
mcporter call starling.payment_create \
  accountUid=ACCOUNT_UID \
  categoryUid=CATEGORY_UID \
  destinationPayeeAccountUid=PAYEE_ACCOUNT_UID \
  reference="Payment ref" \
  --args '{"amount":{"currency":"GBP","minorUnits":1000}}'

Savings Goals

bash

# List goals
mcporter call starling.savings_goals_list accountUid=ACCOUNT_UID

# Create goal
mcporter call starling.savings_goal_create \
  accountUid=ACCOUNT_UID name="Emergency Fund" currency=GBP \
  --args '{"target":{"currency":"GBP","minorUnits":100000}}'

# Deposit into goal
mcporter call starling.savings_goal_deposit \
  accountUid=ACCOUNT_UID savingsGoalUid=GOAL_UID \
  --args '{"amount":{"currency":"GBP","minorUnits":5000}}'

# Withdraw from goal
mcporter call starling.savings_goal_withdraw \
  accountUid=ACCOUNT_UID savingsGoalUid=GOAL_UID \
  --args '{"amount":{"currency":"GBP","minorUnits":5000}}'

Other

bash

# Direct debits
mcporter call starling.direct_debits_list accountUid=ACCOUNT_UID

# Standing orders
mcporter call starling.standing_orders_list \
  accountUid=ACCOUNT_UID categoryUid=CATEGORY_UID

# Cards
mcporter call starling.cards_list

# Lock/unlock card
mcporter call starling.card_lock_update cardUid=CARD_UID enabled=false

Workflow: First-Time Setup

1. Run accounts_list to get accountUid and defaultCategory (categoryUid)
2. Save these IDs — they're needed for most operations
3. Run account_balance_get to verify access works
4. Store account details in your memory/config for future use

Notes

• All amounts are in minor units (pence). £10.50 = 1050
• Timestamps must be ISO 8601 format: 2026-02-17T00:00:00.000Z
• categoryUid = the defaultCategory from accounts_list for main account transactions
• Balance fields: clearedBalance (settled), effectiveBalance (including pending)
• See references/api-details.md for full tool schemas