Monese vs Starling Bank
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monese | Starling Bank |
|---|---|---|
| Note | 3.2 / 5 | 4.5 / 5 |
| Idéal pour | Opening an account without local credit history | Free UK personal and business banking |
| Frais mensuels | Free plan; paid plans available | Free personal account |
| Taux de change | FX fee on free plan; lower on paid | Mastercard rate, no Starling fee on card payments |
| Envoyer / recevoir | Free Monese-to-Monese | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Retraits | Monthly free cap, then fee | No Starling fee in the UK or abroad (£300 a day abroad) |
| Carte | Yes — debit card | Yes — debit Mastercard |
| Disponibilité | UK + EEA | United Kingdom (residents aged 16+) |
| Devises | GBP, EUR, RON (hold others) | GBP + optional euro account (USD for limited companies only) |
| Réglementation | UK FCA; EEA e-money via partners | UK PRA/FCA full banking licence (FSCS protected) |
| Création | 2015 | 2014 |
Monese
Monese is a UK-based e-money app aimed at expats and newcomers, letting people open an account without a local credit history and hold several currencies. It is quick to set up and useful for the underbanked, though free-plan fees, its e-money (not full-bank) status and reported financial-stability concerns are worth weighing.
Avantages
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Inconvénients
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
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 3.2 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.