Monese vs Starling Bank
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monese | Starling Bank |
|---|---|---|
| Оценка | 3.2 / 5 | 4.5 / 5 |
| Лучше всего для | Opening an account without local credit history | Free UK personal and business banking |
| Ежемесячная комиссия | Free plan; paid plans available | Free personal account |
| Курс обмена | FX fee on free plan; lower on paid | Mastercard rate, no markup |
| Отправка / получение | Free Monese-to-Monese | Free UK transfers |
| Выводы средств | Monthly free cap, then fee | Free in the UK and abroad |
| Карта | Yes — debit card | Yes — debit Mastercard |
| Доступность | UK + EEA | United Kingdom |
| Валюты | GBP, EUR, RON (hold others) | GBP (EUR/USD business accounts) |
| Регулирование | UK FCA; EEA e-money via partners | UK PRA/FCA full banking licence (FSCS protected) |
| Основан | 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.
Плюсы
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Минусы
- 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, 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
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 3.2 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.