Starling Bank
Let a trusted agent inspect Starling Bank balances and transactions—and optionally initiate payments when signing keys are configured—for UK solo business banking ops.
Overview
Starling Bank MCP is a MCP server for the Operate phase that lets AI agents view and control a Starling Bank account via the bank’s developer API.
What is this MCP server?
- View and control a Starling Bank account through MCP with personal access token auth
- v1.2.0 npm package (starling-bank-mcp) with stdio transport
- Optional STARLING_BANK_PRIVATE_KEY_UID and PEM for signed outbound payments
- Starling Developer Portal personal access token required—UK-focused Open Banking style workflow
- Package version 1.2.0
- stdio transport via npx starling-bank-mcp
- Three credential tiers: access token required; private key UID and PEM optional for sends
Community signal: 1 GitHub stars.
What problem does it solve?
You reconcile Starling transactions manually while your agent lacks live access to balances and payment rails for your UK indie business.
Who is it for?
UK solo builders with Starling accounts who want agent-assisted treasury checks and scripted operational payments under strict personal oversight.
Skip if: Non-UK banking, teams needing SOC2-grade financial controls, or anyone uncomfortable granting an agent payment capability on their primary account.
What do I get? / Deliverables
With a Starling personal access token configured, your agent can read account activity and, if signing keys are set, initiate bank actions you explicitly approve.
- Live balance and transaction queries from agent sessions
- Optional payment initiation capability when signing credentials are configured
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Journey fit
Bank account visibility and payment control map to running your business in production, not to ideation or marketing loops. Personal finance and treasury wiring is operational infrastructure: credentials, tokens, and optional payment keys mirror how you operate real money rails.
How it compares
Starling Open Banking MCP adapter—not accounting software, not Stripe, and not a read-only CSV export skill.
Common Questions / FAQ
Who is Starling Bank MCP for?
UK indie hackers and micro-business owners on Starling who already use developer tokens and want MCP-based visibility into balances and transactions from their coding agent.
When should I use Starling Bank MCP?
Use it in Operate when monitoring cashflow, reconciling expenses, or automating approved payment flows—not during early idea validation before you have a real account workflow.
How do I add Starling Bank MCP to my agent?
Create a personal access token in the Starling Developer Portal, set STARLING_BANK_ACCESS_TOKEN, optionally add payment signing env vars, add npx starling-bank-mcp to MCP config, and restart.