bunq vs Starling Bank
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | bunq | Starling Bank |
|---|---|---|
| Оценка | 4.0 / 5 | 4.5 / 5 |
| Лучше всего для | Digital nomads needing EU banking + multi-currency | Free UK personal and business banking |
| Ежемесячная комиссия | Free €0; Core €3.99; Pro €9.99; Elite €18.99 | Free personal account |
| Курс обмена | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) | Mastercard rate, no Starling fee on card payments |
| Отправка / получение | Free instant euro transfers; SWIFT €5 | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Выводы средств | Free: €2.99 each; Pro/Elite: first 6 a month free | No Starling fee in the UK or abroad (£300 a day abroad) |
| Карта | Yes — physical & virtual Mastercard | Yes — debit Mastercard |
| Доступность | EU residents (new UK sign-ups paused) | United Kingdom (residents aged 16+) |
| Валюты | About 20 currencies; local IBANs from 7 EU countries | GBP + optional euro account (USD for limited companies only) |
| Регулирование | De Nederlandsche Bank (DNB) full EU banking licence | UK PRA/FCA full banking licence (FSCS protected) |
| Основан | 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.
Плюсы
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Минусы
- 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.
Плюсы
- 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
Минусы
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.