Google Wallet vs Starling Bank
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Google Wallet | Starling Bank |
|---|---|---|
| Skóre | 4.3 / 5 | 4.5 / 5 |
| Nejlepší pro | Contactless payments & passes on Android | Free UK personal and business banking |
| Měsíční poplatek | Free | Free personal account |
| Směnný kurz | Uses your card's FX terms | Mastercard rate, no Starling fee on card payments |
| Odeslat / přijmout | No Google fee; send money only in India and Singapore | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Výběry | N/A | No Starling fee in the UK or abroad (£300 a day abroad) |
| Karta | No standalone card; stores cards, passes & tickets | Yes — debit Mastercard |
| Dostupnost | Countries on Google supported-countries list; tap to pay varies by country | United Kingdom (residents aged 16+) |
| Měny | Local card currency | GBP + optional euro account (USD for limited companies only) |
| Regulace | Rides card networks; licences by region | UK PRA/FCA full banking licence (FSCS protected) |
| Založeno | 2011 (Wallet rebrand 2022) | 2014 |
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use in the countries on Google's supported list, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but sending money to friends is only offered in India and Singapore. The natural everyday wallet for Android users.
Klady
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Zápory
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
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.
Klady
- 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
Zápory
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Závěr
Celkově se Starling Bank dostává mírně dopředu se skóre 4.5 oproti 4.3 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.