Starling Bank Launches AI Tool to Track Spending Habits

Managing personal finances just got smarter with Starling Bank’s latest AI-powered tool designed to give users a clear picture of their spending habits. This innovative feature, called enhanced search, allows customers to ask natural language questions about their transactions, such as how much they’ve spent at Amazon during a specific month or how much money has been spent on fast food over the past year.

Built with Google Gemini, Starling’s AI tool not only understands user queries but also suggests personalized prompts based on individual spending patterns. This makes it easier than ever for users to engage with their finances in a conversational and intuitive way.

Transactions are automatically categorized into over 50 customizable groups such as bills, transport, and groceries, enabling users to quickly see detailed spending summaries. For example, a user can instantly find out how much they’ve spent at McDonald’s over the past year, complete with graphs and payment breakdowns. This level of insight helps users identify areas where they might be overspending and make informed financial decisions.

Starling Bank’s CIO, Harriet Rees, emphasizes that the feature is designed to make money management feel natural and accessible, empowering everyone to become “Good with money.” The more users interact with the AI, the deeper their understanding of their financial habits becomes.

As a mobile-only challenger bank, Starling competes with other UK digital banks like Monzo and Revolut by offering cutting-edge digital features such as virtual debit cards, real-time transaction tracking, and now AI-driven spending analysis. With over 4.6 million accounts, Starling is setting a new standard for how technology can simplify personal finance.

This AI innovation highlights a broader trend in banking: leveraging artificial intelligence to provide personalized, actionable insights that help customers take control of their money. It’s not just about tracking expenses anymore; it’s about understanding spending patterns and making smarter financial choices effortlessly.