Apple Pay vs Starling Bank
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Apple Pay | Starling Bank |
|---|---|---|
| Ocena | 4.4 / 5 | 4.5 / 5 |
| Najlepszy do | Contactless payments on Apple devices | Free UK personal and business banking |
| Opłata miesięczna | Free | Free personal account |
| Kurs wymiany | Uses your card's FX terms | Mastercard rate, no Starling fee on card payments |
| Wysyłanie / odbiór | Apple Cash P2P free; instant 1.7% | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Wypłaty | Standard Apple Cash free; instant 1.7% | No Starling fee in the UK or abroad (£300 a day abroad) |
| Karta | No standalone card; tokenises existing cards | Yes — debit Mastercard |
| Dostępność | Apple Pay in 101 countries and regions (Apple list, 27 Oct 2026); Apple Cash US-only | United Kingdom (residents aged 16+) |
| Waluty | Local card currency; Apple Cash USD | GBP + optional euro account (USD for limited companies only) |
| Regulacja | Apple Cash via Green Dot Bank (US); rides card networks | UK PRA/FCA full banking licence (FSCS protected) |
| Założono | 2014 | 2014 |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay available in 100+ countries and regions with no Apple fee. Apple Cash adds US-only peer-to-peer payments inside iMessage. Excellent for everyday spending within the Apple ecosystem but offers no standalone account or Android support.
Zalety
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Available in 100+ countries and regions
Wady
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
Starling Bank
Starling Bank is a fully licensed UK app bank with FSCS-protected deposits, no fees on overseas spending or ATM withdrawals, an optional euro account and highly regarded free business accounts. It is one of the strongest all-round UK options, especially for freelancers and small businesses, though it is UK-only and GBP-focused.
Zalety
- Full UK bank, FSCS-protected deposits up to £120,000
- No Starling fees on overseas spending or ATM withdrawals
- Euro account with its own IBAN, no monthly fee
Wady
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Podsumowanie
Ogólnie Starling Bank wysuwa się na prowadzenie z wynikiem 4.5 wobec 4.4 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.