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Live direct connection — no aggregator, no 90-day reconsent

Your Starling Bank,
doing its own books

Connect once. Your current account syncs automatically, incoming payments match your invoices and mark them paid, and your accountant Finn can check the bank whenever you ask.

AccountsOS connects directly to Starling Bank via a read-only Personal Access Token — no aggregator, no 90-day reconsent — and reconciles incoming payments against invoices automatically.
Connect Starling BankSetup guide

Read-only access · encrypted token you can revoke any time · every account

A payment arrives. Everything else just happens.

This is the loop other tools make you run by hand — import, code, match, mark paid. Here it runs itself.

1

Payment lands in Starling

A customer pays an invoice into your Starling current account.

2

It syncs into your books

The direct feed pulls it in — daily automatically, or instantly when you ask Finn.

3

Finn categorises it

AI coding with your company context and your own bank rules applied first.

4

The invoice flips to paid

Reconciliation runs automatically — confident matches apply, your ledger posts, and you get a 'done' message. Exceptions wait for one-tap review.

Finn, your AI accountant

Chat to your bank. Literally.

Finn is connected to the feed. Ask in plain English and he pulls fresh transactions from Starling on the spot — then reconciliation follows automatically.

  • "Has the payment from Acme landed yet?"
  • "Check my bank and reconcile anything new."
  • "What's my Starling balance?" — the real one, as your bank reports it
  • "What did we spend with AWS this month?"
Finn, has the £4,500 from Northstar come in?
Just checked your Starling — yes, £4,500 from Northstar Ltd landed 22 minutes ago. I've matched it to invoice INV-0042 and marked it paid. Your balance is £18,240.
Nothing else needs you — 3 card payments came in overnight and they're categorised already.

No 90-day reconsent

Starling Personal Access Tokens don't expire. Unlike Open Banking connections that cut off every 90 days, your feed just keeps running until you choose to revoke it.

Read-only, by design

AccountsOS requests four read-only scopes only. None of Starling's payment scopes are included — AccountsOS can never move your money. Revoke the token any time from the Starling Developer portal.

Your token, encrypted

Your Personal Access Token belongs to your account. It is stored AES-256 encrypted and never appears in logs.

Coming soon

Pay bills without leaving your books

Approve a bill in AccountsOS and Finn prepares the payment draft — you release it with approval in your Starling app. The money authorisation always stays with your bank, where it belongs.

Bill approvedPayment draftedYou approve in StarlingReconciled automatically

Frequently asked questions

How does AccountsOS connect to Starling Bank?

Directly through Starling's own API — no Open Banking aggregator sits in between. You create a read-only Personal Access Token in the Starling Developer portal, paste it into the AccountsOS wizard, and your transactions start syncing straight away. Setup takes about 5 minutes and is copy-paste only.

Is the connection read-only?

Yes. AccountsOS requests four read-only scopes: account:read, account-list:read, balance:read, and transaction:read. None of Starling's payment scopes are requested — AccountsOS can never move your money. Your token is stored AES-256 encrypted and you can revoke it any time from the Starling Developer portal.

Does it reconcile payments against invoices automatically?

Yes. Every sync that brings in new transactions automatically dispatches a reconciliation run. Incoming payments are matched to open invoices and marked paid, spending is matched to receipts and bills, and confident matches post to your ledger. Anything ambiguous waits in a review queue — you only see exceptions.

Do the tokens expire? Will I need to reconnect every 90 days?

No. Starling Personal Access Tokens do not expire — unlike Open Banking connections that force a 90-day reconsent cycle, your connection just keeps running. You only need to paste a new token if you actively revoke the existing one from the Starling Developer portal.

Which accounts does it need a paid Starling plan?

None. Starling's API access is free for all account types — personal, joint, sole trader, and business. You do not need a paid plan to use the direct connection.

Can I ask Finn about my Starling account?

Yes. Ask Finn 'check my bank', 'has the payment from Acme landed?', or 'what's my Starling balance?' — Finn pulls fresh transactions on demand and reads back the balance your banking app shows, not an estimate.

What balance does AccountsOS show?

The balance Starling reports — the same figure as your Starling app. Statement-upload accounting tools can only show a running total of imported transactions; a direct feed shows the real number.

Can AccountsOS pay my bills from Starling?

Coming soon. Approved bills will create payment drafts that you release with approval in your Starling app — the money authorisation always stays with your bank, where it belongs.

Five minutes to connect.
Then it's Finn's problem.

14-day free trial, then £20/month. The Starling connection is included on every plan.

Start free trial

Already a customer? Connect from Settings → Integrations