Starling Bank vs AstroPay
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Starling Bank | AstroPay |
|---|---|---|
| Оцінка | 4.5 / 5 | 3.5 / 5 |
| Найкраще для | Free UK personal and business banking | Payments in LatAm & emerging markets |
| Щомісячна комісія | Free personal account | No annual maintenance/card fee |
| Обмінний курс | Mastercard rate, no Starling fee on card payments | Conversion margin varies |
| Надсилання / отримання | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | P2P supported; varies by corridor |
| Виведення коштів | No Starling fee in the UK or abroad (£300 a day abroad) | Bank-transfer charges may apply |
| Картка | Yes — debit Mastercard | Yes — virtual & physical debit cards |
| Доступність | United Kingdom (residents aged 16+) | LatAm, Asia, Africa & beyond |
| Валюти | GBP + optional euro account (USD for limited companies only) | Multiple currencies |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | UK FCA EMI; Isle of Man FSA; Brazil Central Bank |
| Засновано | 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.
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
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.
Плюси
- Strong coverage of Latin American payment methods
- No card or annual maintenance fees
- Virtual & physical cards with multi-currency balances
Мінуси
- FX/withdrawal fees vary and can be unclear
- Coverage thinner outside LatAm/emerging markets
- FCA authorisation briefly restricted in 2024 (restored 2025)
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 3.5 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.