Google Wallet vs Starling Bank
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Google Wallet | Starling Bank |
|---|---|---|
| Оценка | 4.3 / 5 | 4.5 / 5 |
| Лучше всего для | Contactless payments & passes on Android | Free UK personal and business banking |
| Ежемесячная комиссия | Free | Free personal account |
| Курс обмена | Uses your card's FX terms | Mastercard rate, no Starling fee on card payments |
| Отправка / получение | No Google fee; send money only in India and Singapore | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Выводы средств | N/A | No Starling fee in the UK or abroad (£300 a day abroad) |
| Карта | No standalone card; stores cards, passes & tickets | Yes — debit Mastercard |
| Доступность | Countries on Google supported-countries list; tap to pay varies by country | United Kingdom (residents aged 16+) |
| Валюты | Local card currency | GBP + optional euro account (USD for limited companies only) |
| Регулирование | Rides card networks; licences by region | UK PRA/FCA full banking licence (FSCS protected) |
| Основан | 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.
Плюсы
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Минусы
- 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.
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 4.3 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.