Monese vs Starling Bank
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Monese | Starling Bank |
|---|---|---|
| Skóre | 3.2 / 5 | 4.5 / 5 |
| Najlepšia na | Opening an account without local credit history | Free UK personal and business banking |
| Mesačný poplatok | Free plan; paid plans available | Free personal account |
| Výmenný kurz | FX fee on free plan; lower on paid | Mastercard rate, no Starling fee on card payments |
| Odoslať / prijať | Free Monese-to-Monese | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Výbery | Monthly free cap, then fee | No Starling fee in the UK or abroad (£300 a day abroad) |
| Karta | Yes — debit card | Yes — debit Mastercard |
| Dostupnosť | UK + EEA | United Kingdom (residents aged 16+) |
| Meny | GBP, EUR, RON (hold others) | GBP + optional euro account (USD for limited companies only) |
| Regulácia | UK FCA; EEA e-money via partners | UK PRA/FCA full banking licence (FSCS protected) |
| Založené | 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.
Výhody
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Nevýhody
- 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.
Výhody
- 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
Nevýhody
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Záverečné zhrnutie
Celkovo sa Starling Bank dostáva dopredu so skóre 4.5 oproti 3.2 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.