Starling Bank vs bunq
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | bunq |
|---|---|---|
| Note | 4.5 / 5 | 4.0 / 5 |
| Idéal pour | Free UK personal and business banking | Digital nomads needing EU banking + multi-currency |
| Frais mensuels | Free personal account | ~€3–€18/mo (Core/Pro/Elite) |
| Taux de change | Mastercard rate, no markup | ~0.5–1.5% by plan/currency |
| Envoyer / recevoir | Free UK transfers | Free SEPA on paid plans |
| Retraits | Free in the UK and abroad | Limited free ATM on higher plans |
| Carte | Yes — debit Mastercard | Yes — physical & virtual Mastercard |
| Disponibilité | United Kingdom | 30+ EEA countries (+ UK via e-money) |
| Devises | GBP (EUR/USD business accounts) | ~20+ currencies |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | De Nederlandsche Bank (DNB) full EU banking licence |
| Création | 2014 | 2012 |
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.
Avantages
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Inconvénients
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
bunq
bunq is an Amsterdam-based challenger bank with a full Dutch banking licence and €100,000 deposit protection, popular with digital nomads for its multi-currency support, sub-accounts and savings interest. Unlike some rivals it is subscription-based with no fully free everyday plan. A strong choice for EU residents wanting flexible, feature-rich banking.
Avantages
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Inconvénients
- No fully free everyday plan (subscription)
- FX markup higher on lower tiers
- Mainly EEA-focused availability
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 4.0 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.