Starling Bank has introduced a new AI-powered scam detection feature designed to help break fraudsters' 'spells' and encourage customers to reconsider before transferring money. The feature is part of the in-app Starling Assistant, which was launched in March 2026 and allows customers to use voice or natural language to ask questions about their finances, plan transfers, and manage budgets.
How the AI Scam Intelligence Works
The assistant incorporates a 'scam intelligence' tool that Starling initially launched in 2025 to identify fraudulent online marketplace ads. This tool has now been expanded to detect various types of fraud and provide coaching on next steps. For instance, if a customer says they have been asked to transfer £3,000 for a plane ticket for a new partner, the assistant can identify early signs of a romance scam. It then asks a series of questions, such as why the partner cannot fund the ticket themselves, where they met, and how long they have been in the relationship.
Based on the responses, the AI agent indicates whether the situation is likely a scam and suggests contacting the bank's support team for further discussion. According to Harriet Rees, Starling Bank's group chief information officer, 'We want anyone and everyone to realise that they too could be a victim of a scam. That starts with asking simple questions, and being inquisitive about what you plan to spend.'
Government Support and Fraud Strategy
Lord Hanson, minister for fraud, commented on the broader effort: 'We’re investing £250 million as part of our new fraud strategy to crackdown on this criminality. We will use every tool at our disposal to dismantle criminal networks, bring fraudsters to justice and strengthen protections for victims.'
The feature aims to empower customers to pause and evaluate suspicious requests, reducing the risk of financial loss. Starling Bank continues to enhance its digital tools to combat evolving fraud tactics.
