Chime vs Starling Bank
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Chime | Starling Bank |
|---|---|---|
| Note | 4.1 / 5 | 4.5 / 5 |
| Idéal pour | Everyday no-fee banking in the US | Free UK personal and business banking |
| Frais mensuels | No monthly fee | Free personal account |
| Taux de change | N/A (US) | Mastercard rate, no Starling fee on card payments |
| Envoyer / recevoir | Free Pay Anyone transfers | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Retraits | Free at 60,000+ in-network ATMs | No Starling fee in the UK or abroad (£300 a day abroad) |
| Carte | Yes — Visa debit (plus Credit Builder card) | Yes — debit Mastercard |
| Disponibilité | United States | United Kingdom (residents aged 16+) |
| Devises | USD | GBP + optional euro account (USD for limited companies only) |
| Réglementation | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) | UK PRA/FCA full banking licence (FSCS protected) |
| Création | 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.
Avantages
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Inconvénients
- 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, 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.
Avantages
- 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
Inconvénients
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 4.1 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.