bunq vs Starling Bank
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | bunq | Starling Bank |
|---|---|---|
| Ocena | 4.0 / 5 | 4.5 / 5 |
| Najlepszy do | Digital nomads needing EU banking + multi-currency | Free UK personal and business banking |
| Opłata miesięczna | ~€3–€18/mo (Core/Pro/Elite) | Free personal account |
| Kurs wymiany | ~0.5–1.5% by plan/currency | Mastercard rate, no markup |
| Wysyłanie / odbiór | Free SEPA on paid plans | Free UK transfers |
| Wypłaty | Limited free ATM on higher plans | Free in the UK and abroad |
| Karta | Yes — physical & virtual Mastercard | Yes — debit Mastercard |
| Dostępność | 30+ EEA countries (+ UK via e-money) | United Kingdom |
| Waluty | ~20+ currencies | GBP (EUR/USD business accounts) |
| Regulacja | De Nederlandsche Bank (DNB) full EU banking licence | UK PRA/FCA full banking licence (FSCS protected) |
| Założono | 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. Unlike some rivals it is subscription-based with no fully free everyday plan. A strong choice for EU residents wanting flexible, feature-rich banking.
Zalety
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Wady
- No fully free everyday plan (subscription)
- FX markup higher on lower tiers
- Mainly EEA-focused availability
Starling Bank
Starling Bank is a fully licensed UK app bank with FSCS-protected deposits, no fees on overseas spending or ATM withdrawals, interest on balances 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
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
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 4.0 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.