Google Wallet vs Starling Bank
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Google Wallet | Starling Bank |
|---|---|---|
| Оцінка | 4.3 / 5 | 4.5 / 5 |
| Найкраще для | Contactless payments & passes on Android | Free UK personal and business banking |
| Щомісячна комісія | Free | Free personal account |
| Обмінний курс | Uses your card's FX terms | Mastercard rate, no Starling fee on card payments |
| Надсилання / отримання | No Google fee; send money only in India and Singapore | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Виведення коштів | N/A | No Starling fee in the UK or abroad (£300 a day abroad) |
| Картка | No standalone card; stores cards, passes & tickets | Yes — debit Mastercard |
| Доступність | Countries on Google supported-countries list; tap to pay varies by country | United Kingdom (residents aged 16+) |
| Валюти | Local card currency | GBP + optional euro account (USD for limited companies only) |
| Регулювання | Rides card networks; licences by region | UK PRA/FCA full banking licence (FSCS protected) |
| Засновано | 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.
Плюси
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Мінуси
- 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.
Плюси
- 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
Мінуси
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 4.3 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.