Starling launches AI tool to detect romance scams

Starling Bank introduced an AI-powered tool to detect romance scams and alert customers when account activity suggests they may be targeted. The system monitors transactions in real time to identify patterns linked to relationship fraud.

The model analyses transaction behaviour and anonymised account signals for signs such as repeated small transfers that escalate into larger sums, requests to send money to unfamiliar accounts and sudden changes in payment patterns.

When the system detects risk, customers receive an in-app notification describing the concern and offering options to pause a payment, contact Starling support or report the activity.

Starling developed the model using internal transaction data and machine learning. Starling says it does not access customers’ private messages or external social platforms to train the system. The feature complements existing fraud controls and educational materials available in the app and via the bank’s helpline.

The service is being rolled out to the bank’s UK retail customers and will operate continuously to monitor incoming and outgoing transactions. Customers can use in-app chat to request further assistance, including an investigation and possible recovery of funds where appropriate.

Romance scams typically involve social engineering over weeks or months, with victims persuaded to transfer money to accounts controlled by fraudsters. Banks and regulators are combining technology, customer awareness and faster operational support to try to reduce losses from these schemes.

The bank added the tool will be refined as it collects more anonymised data and customer feedback. Starling encouraged users to treat unexpected requests for money with caution and to contact their bank if they are unsure about a payment.