bunq vs Starling Bank
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | bunq | Starling Bank |
|---|---|---|
| Bewertung | 4.0 / 5 | 4.5 / 5 |
| Ideal für | Digital nomads needing EU banking + multi-currency | Free UK personal and business banking |
| Monatsgebühr | Free €0; Core €3.99; Pro €9.99; Elite €18.99 | Free personal account |
| Wechselkurs | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) | Mastercard rate, no Starling fee on card payments |
| Senden / Empfangen | Free instant euro transfers; SWIFT €5 | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Auszahlungen | Free: €2.99 each; Pro/Elite: first 6 a month free | No Starling fee in the UK or abroad (£300 a day abroad) |
| Karte | Yes — physical & virtual Mastercard | Yes — debit Mastercard |
| Verfügbarkeit | EU residents (new UK sign-ups paused) | United Kingdom (residents aged 16+) |
| Währungen | About 20 currencies; local IBANs from 7 EU countries | GBP + optional euro account (USD for limited companies only) |
| Regulierung | De Nederlandsche Bank (DNB) full EU banking licence | UK PRA/FCA full banking licence (FSCS protected) |
| Gegründet | 2012 | 2014 |
bunq
bunq is an Amsterdam-based challenger bank with a full Dutch banking licence and €100,000 deposit protection, popular with digital nomads for its multi-currency support, sub-accounts and savings interest. Its free plan is limited (virtual card only, €2.99 per ATM withdrawal), so most travellers will want Core or Pro. A strong choice for EU residents wanting flexible, feature-rich banking.
Vorteile
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Nachteile
- Free plan has only a virtual card and €2.99 ATM fees
- Free plan FX rises to 1.5% after €1,000 a year
- EU residents only (UK sign-ups paused, US pending a licence)
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.
Vorteile
- 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
Nachteile
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Das Fazit
Insgesamt liegt Starling Bank mit einer Bewertung von 4.5 gegenüber 4.0 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.