Starling will be adding a suite of AI-powered smart tools for its customers.
It says the move will “supercharge” money management, with the first set able to create personalised savings plans, share scale guidance, automate VAT savings and equip businesses for Making Tax Digital.
The tools sit within Starling Assistant, the UK’s first agentic AI financial assistant, which can perform banking tasks on a customer’s behalf.
“AI has become second nature to many of our customers, who engage with Starling Assistant daily and have mastered the assistant to suit their financial needs. But some customers are still curious, and are navigating just how much AI can do for them,” said Harriet Rees, Group CIO at Starling.
“Our smart tools take the guesswork out of what AI can do; they perform specific tasks and have specific pre-programmed prompts that customers can use with a simple tap.”
Starling, which has a major regional office in Manchester, specialising in tech and business operations will drop smart tools on a weekly basis this year, then monthly from 2027.
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Later this month there will be a “rainy day saver” which automatically analyses customers’ income, direct debits and spending patterns and works with the customer to determine how much they can realistically save, before setting up transfers into a dedicated savings space.
Starling is also encouraging retail and SME customers to submit their own ideas for smart tools. These ideas will be added to existing research and user testing programmes run by Starling’s AI team.
The bank explained that the tools available at launch were all requested by customers.
“The money management tools Starling created ten years ago are no longer the preserve of neobanks – but AI is, and we’re paving the way for how it can be applied in ways that are genuinely useful,” Harriet continued.
“By crowdsourcing ideas, fostering external experimentation, and releasing new capabilities at pace, the true potential of AI-driven banking will be fully realised across the UK.”
