Starling Bank vs Cash App
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | Cash App |
|---|---|---|
| Note | 4.5 / 5 | 4.0 / 5 |
| Idéal pour | Free UK personal and business banking | Simple everyday banking and payments |
| Frais mensuels | Free personal account | Free |
| Taux de change | Mastercard rate, no Starling fee on card payments | N/A |
| Envoyer / recevoir | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free standard P2P; instant ~0.5–1.75% |
| Retraits | No Starling fee in the UK or abroad (£300 a day abroad) | Standard free; instant-to-debit fee |
| Carte | Yes — debit Mastercard | Yes — Cash Card (Visa debit) |
| Disponibilité | United Kingdom (residents aged 16+) | United States & United Kingdom |
| Devises | GBP + optional euro account (USD for limited companies only) | USD (US), GBP (UK) |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (MSB), US state licences; Block, Inc. |
| Création | 2014 | 2013 |
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.
Avantages
- 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
Inconvénients
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Cash App
Cash App blends peer-to-peer payments with light banking, a free debit card, and built-in Bitcoin and stock investing. Standard transfers are free while instant cash-outs and crypto carry fees, and availability is limited to the US and UK. A strong all-in-one choice for US users who want payments and investing in one place.
Avantages
- Free P2P and a free customizable Cash Card
- Built-in Bitcoin & stock investing
- Direct deposit and banking-style features
Inconvénients
- Limited to US and UK
- Instant transfers & credit-card sends cost extra
- Bitcoin buys carry a 2–3% spread
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.