什么是 Starling Bank？

此技能通过 Openclaw Skills 将 Starling Bank 集成到您的自动化工作流中。它允许用户直接从其智能体环境查询账户详情、查看交易，并执行支付或管理储蓄目标等敏感操作。通过利用 starling-bank-mcp 服务器，它提供了一种安全且结构化的方式，通过自然语言或自动化脚本与财务数据进行交互。

无论您是构建个人理财仪表板还是公司财务机器人，此技能都提供了与 Starling Bank API 交互所需的端点。它简化了最小单位转换和 ISO 时间戳格式化的复杂性，使将银行功能引入 Openclaw Skills 变得前所未有的简单。

下载入口:https://github.com/openclaw/skills/tree/main/skills/gpunter/starling-bank

安装与下载

1. ClawHub CLI

从源直接安装技能的最快方式。

2. 手动安装

将技能文件夹复制到以下位置之一

优先级：工作区 > 本地 > 内置

3. 提示词安装

将此提示词复制到 OpenClaw 即可自动安装。

Starling Bank 应用场景

• 实时监控账户余额以及已结算资金与有效资金。
• 将特定日期范围的交易历史导出到会计软件中。
• 创建并管理储蓄目标，自动化您的财务目标达成路径。
• 无需打开移动应用程序即可向新收款人或现有收款人发起付款。
• 通过编程方式锁定或解锁银行卡，增强账户安全性。

1. Openclaw Skills 环境使用个人访问令牌（Personal Access Token）与 starling-bank-mcp 服务器对接。
2. 用户执行初始账户发现，以检索所有后续调用所需的唯一 accountUid 和 defaultCategory。
3. 通过智能体发出命令，使用 starling-bank-mcp 工具获取余额报告或交易流水等数据。
4. 该技能处理财务计算，确保所有金额均按照银行要求以最小单位（便士）处理。
5. 交易请求（如付款或目标存款）经过身份验证，并针对 Starling Bank API 实时执行。

Starling Bank 配置指南

1. 安装 MCP 服务器

npm i -g starling-bank-mcp

2. 通过 mcporter 配置

确保您拥有来自 Starling 开发者门户的个人访问令牌。

mcporter config add starling r
  --command "node $(npm root -g)/starling-bank-mcp/dist/main.js" r
  --env STARLING_BANK_ACCESS_TOKEN="YOUR_TOKEN"

3. 验证连接

mcporter list starling --schema

Starling Bank 数据架构与分类体系

该技能使用结构化分类组织数据，以确保与 Openclaw Skills 数据处理的兼容性：

name: starling-bank
description: Manage Starling Bank accounts via the starling-bank-mcp server. Check balances, list transactions, create payees, make payments, manage savings goals, and track spending. Use when the user asks about their bank balance, transactions, payments, savings, direct debits, standing orders, or any Starling Bank operation. Requires the starling-bank-mcp npm package and a Starling personal access token.

Starling Bank

Manage Starling Bank accounts through mcporter + starling-bank-mcp.

Setup

1. Install the MCP server

npm i -g starling-bank-mcp

2. Get a Personal Access Token

Create one at https://developer.starlingbank.com/ (Personal Access Token with required scopes).

3. Configure mcporter

mcporter config add starling r
  --command "node $(npm root -g)/starling-bank-mcp/dist/main.js" r
  --env STARLING_BANK_ACCESS_TOKEN="YOUR_TOKEN"

4. Verify

mcporter list starling --schema

Quick Reference

Account basics

# List accounts (get accountUid and default categoryUid)
mcporter call starling.accounts_list

# Get balance
mcporter call starling.account_balance_get accountUid=ACCOUNT_UID

# Get account holder info
mcporter call starling.account_holder_get

# Get sort code / account number
mcporter call starling.account_identifiers_get accountUid=ACCOUNT_UID

Transactions

# List transactions (ISO 8601 timestamps required)
mcporter call starling.transactions_list r
  accountUid=ACCOUNT_UID r
  categoryUid=CATEGORY_UID r
  minTransactionTimestamp=2026-01-01T00:00:00.000Z r
  maxTransactionTimestamp=2026-01-31T23:59:59.999Z

# Get single transaction detail
mcporter call starling.feed_item_get r
  accountUid=ACCOUNT_UID r
  categoryUid=CATEGORY_UID r
  feedItemUid=FEED_ITEM_UID

Payments

# List payees
mcporter call starling.payees_list

# Create payee
mcporter call starling.payee_create r
  payeeName="John Smith" r
  payeeType=INDIVIDUAL r
  accountIdentifier=12345678 r
  bankIdentifier=608371 r
  bankIdentifierType=SORT_CODE r
  countryCode=GB

# Make payment (amount in minor units / pence)
mcporter call starling.payment_create r
  accountUid=ACCOUNT_UID r
  categoryUid=CATEGORY_UID r
  destinationPayeeAccountUid=PAYEE_ACCOUNT_UID r
  reference="Payment ref" r
  --args '{"amount":{"currency":"GBP","minorUnits":1000}}'

Savings Goals

# List goals
mcporter call starling.savings_goals_list accountUid=ACCOUNT_UID

# Create goal
mcporter call starling.savings_goal_create r
  accountUid=ACCOUNT_UID name="Emergency Fund" currency=GBP r
  --args '{"target":{"currency":"GBP","minorUnits":100000}}'

# Deposit into goal
mcporter call starling.savings_goal_deposit r
  accountUid=ACCOUNT_UID savingsGoalUid=GOAL_UID r
  --args '{"amount":{"currency":"GBP","minorUnits":5000}}'

# Withdraw from goal
mcporter call starling.savings_goal_withdraw r
  accountUid=ACCOUNT_UID savingsGoalUid=GOAL_UID r
  --args '{"amount":{"currency":"GBP","minorUnits":5000}}'

Other

# Direct debits
mcporter call starling.direct_debits_list accountUid=ACCOUNT_UID

# Standing orders
mcporter call starling.standing_orders_list r
  accountUid=ACCOUNT_UID categoryUid=CATEGORY_UID

# Cards
mcporter call starling.cards_list

# Lock/unlock card
mcporter call starling.card_lock_update cardUid=CARD_UID enabled=false

Workflow: First-Time Setup

1. Run accounts_list to get accountUid and defaultCategory (categoryUid)
2. Save these IDs — they're needed for most operations
3. Run account_balance_get to verify access works
4. Store account details in your memory/config for future use

Notes

• All amounts are in minor units (pence). ￡10.50 = 1050
• Timestamps must be ISO 8601 format: 2026-02-17T00:00:00.000Z
• categoryUid = the defaultCategory from accounts_list for main account transactions
• Balance fields: clearedBalance (settled), effectiveBalance (including pending)
• See references/api-details.md for full tool schemas