Starling Bank vs AstroPay
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Starling Bank | AstroPay |
|---|---|---|
| Bewertung | 4.5 / 5 | 3.5 / 5 |
| Ideal für | Free UK personal and business banking | Payments in LatAm & emerging markets |
| Monatsgebühr | Free personal account | No annual maintenance/card fee |
| Wechselkurs | Mastercard rate, no markup | Conversion margin varies |
| Senden / Empfangen | Free UK transfers | P2P supported; varies by corridor |
| Auszahlungen | Free in the UK and abroad | Bank-transfer charges may apply |
| Karte | Yes — debit Mastercard | Yes — virtual & physical debit cards |
| Verfügbarkeit | United Kingdom | LatAm, Asia, Africa & beyond |
| Währungen | GBP (EUR/USD business accounts) | Multiple currencies |
| Regulierung | UK PRA/FCA full banking licence (FSCS protected) | UK FCA EMI; Isle of Man FSA; Brazil Central Bank |
| Gegründet | 2014 | 2009 |
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.
Vorteile
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Nachteile
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
AstroPay
AstroPay is a London-headquartered, Uruguay-born wallet specialising in Latin American and emerging-market payments, offering local funding options, virtual/physical debit cards and multi-currency balances with no card or maintenance fees. It is a natural fit for cross-border payments into the region, though FX and withdrawal pricing varies. Best for users transacting in or with Latin America.
Vorteile
- Strong coverage of Latin American payment methods
- No card or annual maintenance fees
- Virtual & physical cards with multi-currency balances
Nachteile
- FX/withdrawal fees vary and can be unclear
- Coverage thinner outside LatAm/emerging markets
- FCA authorisation briefly restricted in 2024 (restored 2025)
Das Fazit
Insgesamt liegt Starling Bank mit einer Bewertung von 4.5 gegenüber 3.5 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.