Connect Starling Bank
Direct bank feed — read-only, no expiry, synced daily
Connect your Starling Bank account to AccountsOS in about 5 minutes using a read-only Personal Access Token. Transactions sync daily, Finn categorises them automatically, and the token never expires — no 90-day reconsent cycle.
How to connect
Sign up or log in at the Starling Developer portal
Go to developer.starlingbank.com. Sign up for a free developer account, or log in if you already have one. No paid plan is required — API access is free for all Starling account types.
Link your Starling bank account
In the Developer portal, open Personal Access and click Add account. You will receive a notification in the Starling mobile app to approve the link — tap Approve. This is a one-time step that connects your live account to your developer profile.
Create a read-only token with four scopes
Click Create token. Give it a name (for example AccountsOS) and tick exactly these four scopes: account:read, account-list:read, balance:read, transaction:read. Do not tick any payment scopes — they are not needed. Click Create and copy the token shown.
Paste the token into AccountsOS
In AccountsOS, go to Settings > Integrations, find Starling Bank and click Connect. Paste your token into the wizard and click Save. AccountsOS validates the token live, then starts a 90-day backfill in the background — your transactions will appear shortly.
Starling Developer portal: developer.starlingbank.com — free to sign up, no card required.
What you get
Daily auto-sync
New transactions land each morning, with bank rules and AI categorisation applied automatically
No 90-day reconsent
Personal Access Tokens don't expire — unlike Open Banking, the feed keeps running until you choose to revoke it
Read-only access
Four read-only scopes only — AccountsOS never initiates payments from your account
Free for all accounts
Starling API access is free for personal, joint, sole trader, and business accounts — no plan upgrade needed
Troubleshooting
My token is being rejected
Check you copied the full token — they are long and easy to truncate. The token is only shown once in the Starling Developer portal; if you have lost it, create a new one using the same four scopes and paste it into Settings > Integrations > Starling Bank.
I'm seeing a missing scopes error
This means the token was created without one or more of the required scopes. Create a new token in the Starling Developer portal and tick all four: account:read, account-list:read, balance:read, transaction:read. Then update the token in AccountsOS.
No accounts are showing on my token
You need to link your live Starling bank account to your developer account before creating a token. In the Developer portal, go to Personal Access and click Add account, then approve the request in the Starling mobile app. Once linked, create a new token.
The connection shows as expired
Starling tokens don't expire on their own, but if you revoked the token from the Developer portal the connection will stop. Paste a new token into Settings > Integrations > Starling Bank — your accounts and transaction history are preserved.