Starling Bank vs Apple Pay
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Starling Bank | Apple Pay |
|---|---|---|
| Оцінка | 4.5 / 5 | 4.4 / 5 |
| Найкраще для | Free UK personal and business banking | Contactless payments on Apple devices |
| Щомісячна комісія | Free personal account | Free |
| Обмінний курс | Mastercard rate, no Starling fee on card payments | Uses your card's FX terms |
| Надсилання / отримання | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Apple Cash P2P free; instant 1.7% |
| Виведення коштів | No Starling fee in the UK or abroad (£300 a day abroad) | Standard Apple Cash free; instant 1.7% |
| Картка | Yes — debit Mastercard | No standalone card; tokenises existing cards |
| Доступність | United Kingdom (residents aged 16+) | Apple Pay in 101 countries and regions (Apple list, 27 Oct 2026); Apple Cash US-only |
| Валюти | GBP + optional euro account (USD for limited companies only) | Local card currency; Apple Cash USD |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Apple Cash via Green Dot Bank (US); rides card networks |
| Засновано | 2014 | 2014 |
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.
Плюси
- 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
Мінуси
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay available in 100+ countries and regions with no Apple fee. Apple Cash adds US-only peer-to-peer payments inside iMessage. Excellent for everyday spending within the Apple ecosystem but offers no standalone account or Android support.
Плюси
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Available in 100+ countries and regions
Мінуси
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 4.4 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.