Starling Bank vs Cash App
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Starling Bank | Cash App |
|---|---|---|
| Ocena | 4.5 / 5 | 4.0 / 5 |
| Najlepszy do | Free UK personal and business banking | Simple everyday banking and payments |
| Opłata miesięczna | Free personal account | Free |
| Kurs wymiany | Mastercard rate, no markup | N/A |
| Wysyłanie / odbiór | Free UK transfers | Free standard P2P; instant ~0.5–1.75% |
| Wypłaty | Free in the UK and abroad | Standard free; instant-to-debit fee |
| Karta | Yes — debit Mastercard | Yes — Cash Card (Visa debit) |
| Dostępność | United Kingdom | United States & United Kingdom |
| Waluty | GBP (EUR/USD business accounts) | USD (US), GBP (UK) |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (MSB), US state licences; Block, Inc. |
| Założono | 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, 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.
Zalety
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Wady
- 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.
Zalety
- Free P2P and a free customizable Cash Card
- Built-in Bitcoin & stock investing
- Direct deposit and banking-style features
Wady
- Limited to US and UK
- Instant transfers & credit-card sends cost extra
- Bitcoin buys carry a 2–3% spread
Podsumowanie
Ogólnie Starling Bank wysuwa się na prowadzenie z wynikiem 4.5 wobec 4.0 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.