Yapily's knowledge article about Starling's bespoke API.
Starling implements a bespoke API and it differs from other UK banks (that more closely follow the Open Banking standard) in several fundamental ways.
This is related to the Yapily endpoint Get Transactions
Transaction Date & Time
There is no real differentiation between a ‘booked date’ and ‘value date’ for a transaction. Starling reports two timestamps on it’s transactions:
- ‘Transaction Time’ - when a transaction was first received by Starling (and it still may be pending)
- ‘Settlement Time’ - when the transaction was booked, settled and has value
For transactions that are still pending, only ‘Transaction Time’ is reported (as above), not the date the transaction is expected to be booked.
This is related to the Yapily endpoints:
- Get Account
- Get Accounts
- Get Account Balances
There is no distinction between a ‘cleared balance’ and ‘booked balance’. Therefore, when reported, the following balances will always be the same value:
Balance Date & Time
The date and time that the balance was last updated is not reported by Starling. As it is not possible for Yapily to derive this value, no ‘datetime’ is returned against the balance records.