Starling Bank vs AstroPay
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | AstroPay |
|---|---|---|
| Оценка | 4.5 / 5 | 3.5 / 5 |
| Лучше всего для | Free UK personal and business banking | Payments in LatAm & emerging markets |
| Ежемесячная комиссия | Free personal account | No annual maintenance/card fee |
| Курс обмена | Mastercard rate, no Starling fee on card payments | Conversion margin varies |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | P2P supported; varies by corridor |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | Bank-transfer charges may apply |
| Карта | Yes — debit Mastercard | Yes — virtual & physical debit cards |
| Доступность | United Kingdom (residents aged 16+) | LatAm, Asia, Africa & beyond |
| Валюты | GBP + optional euro account (USD for limited companies only) | Multiple currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UK FCA EMI; Isle of Man FSA; Brazil Central Bank |
| Основан | 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, 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.
Плюсы
- 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
Минусы
- 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.
Плюсы
- Strong coverage of Latin American payment methods
- No card or annual maintenance fees
- Virtual & physical cards with multi-currency balances
Минусы
- FX/withdrawal fees vary and can be unclear
- Coverage thinner outside LatAm/emerging markets
- FCA authorisation briefly restricted in 2024 (restored 2025)
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.5 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.