Chime vs Starling Bank
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Chime | Starling Bank |
|---|---|---|
| Bewertung | 4.1 / 5 | 4.5 / 5 |
| Ideal für | Everyday no-fee banking in the US | Free UK personal and business banking |
| Monatsgebühr | No monthly fee | Free personal account |
| Wechselkurs | N/A (US) | Mastercard rate, no markup |
| Senden / Empfangen | Free Pay Anyone transfers | Free UK transfers |
| Auszahlungen | Free at 60,000+ in-network ATMs | Free in the UK and abroad |
| Karte | Yes — Visa debit (plus Credit Builder card) | Yes — debit Mastercard |
| Verfügbarkeit | United States | United Kingdom |
| Währungen | USD | GBP (EUR/USD business accounts) |
| Regulierung | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) | UK PRA/FCA full banking licence (FSCS protected) |
| Gegründet | 2013 | 2014 |
Chime
Chime is a US fintech offering fee-free mobile banking through partner banks, with no monthly or overdraft fees, early direct deposit, SpotMe overdraft coverage and a Credit Builder card. It is a strong everyday account for fee-conscious US users, though it is not a bank itself and cash deposits depend on retail partners.
Vorteile
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Nachteile
- US-only
- Not a bank itself — services via partner banks
- No physical branches
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.
Vorteile
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
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 4.1 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.