Starling Bank vs bunq
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | bunq |
|---|---|---|
| Оценка | 4.5 / 5 | 4.0 / 5 |
| Лучше всего для | Free UK personal and business banking | Digital nomads needing EU banking + multi-currency |
| Ежемесячная комиссия | Free personal account | ~€3–€18/mo (Core/Pro/Elite) |
| Курс обмена | Mastercard rate, no markup | ~0.5–1.5% by plan/currency |
| Отправка / получение | Free UK transfers | Free SEPA on paid plans |
| Выводы средств | Free in the UK and abroad | Limited free ATM on higher plans |
| Карта | Yes — debit Mastercard | Yes — physical & virtual Mastercard |
| Доступность | United Kingdom | 30+ EEA countries (+ UK via e-money) |
| Валюты | GBP (EUR/USD business accounts) | ~20+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | De Nederlandsche Bank (DNB) full EU banking licence |
| Основан | 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Минусы
- 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.
Плюсы
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Минусы
- No fully free everyday plan (subscription)
- FX markup higher on lower tiers
- Mainly EEA-focused availability
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.