MuchBetter vs Starling Bank
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | MuchBetter | Starling Bank |
|---|---|---|
| Note | 3.7 / 5 | 4.5 / 5 |
| Idéal pour | Mobile deposits & withdrawals | Free UK personal and business banking |
| Frais mensuels | No standard monthly fee | Free personal account |
| Taux de change | ~0.99% on major currencies | Mastercard rate, no Starling fee on card payments |
| Envoyer / recevoir | Free P2P; free SEPA/bank top-ups | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Retraits | ~2% to bank; ~0.99% ATM | No Starling fee in the UK or abroad (£300 a day abroad) |
| Carte | Yes — Mastercard plus contactless wearables | Yes — debit Mastercard |
| Disponibilité | Most countries (excl. US) | United Kingdom (residents aged 16+) |
| Devises | Multiple major currencies | GBP + optional euro account (USD for limited companies only) |
| Réglementation | UK FCA (e-money institution) | UK PRA/FCA full banking licence (FSCS protected) |
| Création | 2017 | 2014 |
MuchBetter
MuchBetter is an FCA-regulated, mobile-first e-wallet built around fast mobile deposits and withdrawals, with a slick app, low ~0.99% FX and novel contactless wearables. Free SEPA top-ups and P2P keep costs down, though card-funding fees can climb toward 5% in some markets and it is unavailable in the US. A strong pick for mobile-centric users.
Avantages
- Mobile-first app with dynamic security code
- Low ~0.99% FX on major currencies
- Free SEPA top-ups and P2P transfers
Inconvénients
- Card deposit fees can reach ~1.5–5%
- Not available in the US
- Narrower coverage than Skrill
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 3.7 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.