Monzo vs Starling Bank
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Monzo | Starling Bank |
|---|---|---|
| Ocena | 4.4 / 5 | 4.5 / 5 |
| Najlepszy do | Everyday UK banking and budgeting | Free UK personal and business banking |
| Opłata miesięczna | Free → Plus/Premium plans | Free personal account |
| Kurs wymiany | Mastercard rate, no Monzo markup | Mastercard rate, no markup |
| Wysyłanie / odbiór | Free UK transfers | Free UK transfers |
| Wypłaty | Free in UK; overseas cap then fee on free plan | Free in the UK and abroad |
| Karta | Yes — debit Mastercard | Yes — debit Mastercard |
| Dostępność | UK (US in rollout) | United Kingdom |
| Waluty | GBP (spends abroad at Mastercard rate) | GBP (EUR/USD business accounts) |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | UK PRA/FCA full banking licence (FSCS protected) |
| Założono | 2015 | 2014 |
Monzo
Monzo is a fully licensed UK app bank with FSCS-protected deposits, best known for its budgeting tools (Pots, spending categories) and fee-free card spending abroad at the Mastercard rate. It is one of the most polished everyday banking apps in the UK, with overseas ATM limits and premium perks reserved for paid tiers.
Zalety
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Wady
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
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.
Zalety
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Wady
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Podsumowanie
Ogólnie Starling Bank wysuwa się na prowadzenie z wynikiem 4.5 wobec 4.4 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.