Google Wallet vs Starling Bank
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Google Wallet | Starling Bank |
|---|---|---|
| Puntuación | 4.3 / 5 | 4.5 / 5 |
| Ideal para | Contactless payments & passes on Android | Free UK personal and business banking |
| Comisión mensual | Free | Free personal account |
| Tipo de cambio | Uses your card's FX terms | Mastercard rate, no markup |
| Enviar / recibir | No Google fee; P2P limited in many markets | Free UK transfers |
| Retiradas | N/A | Free in the UK and abroad |
| Tarjeta | No standalone card; stores cards, passes & tickets | Yes — debit Mastercard |
| Disponibilidad | Tap-to-pay in 100+ countries | United Kingdom |
| Divisas | Local card currency | GBP (EUR/USD business accounts) |
| Regulación | Rides card networks; licences by region | UK PRA/FCA full banking licence (FSCS protected) |
| Fundación | 2011 (Wallet rebrand 2022) | 2014 |
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use and accepted in over 100 countries, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but its peer-to-peer money features have been scaled back. The natural everyday wallet for Android users.
Pros
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Contras
- No own account or balance in most markets
- P2P money-sending wound down in many regions
- 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, 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.
Pros
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Contras
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
En resumen
En conjunto, Starling Bank se adelanta con una puntuación de 4.5 frente a 4.3, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.