Starling Bank vs Chime
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Starling Bank | Chime |
|---|---|---|
| Ocena | 4.5 / 5 | 4.1 / 5 |
| Najlepszy do | Free UK personal and business banking | Everyday no-fee banking in the US |
| Opłata miesięczna | Free personal account | No monthly fee |
| Kurs wymiany | Mastercard rate, no Starling fee on card payments | N/A (US) |
| Wysyłanie / odbiór | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free Pay Anyone transfers |
| Wypłaty | No Starling fee in the UK or abroad (£300 a day abroad) | Free at 60,000+ in-network ATMs |
| Karta | Yes — debit Mastercard | Yes — Visa debit (plus Credit Builder card) |
| Dostępność | United Kingdom (residents aged 16+) | United States |
| Waluty | GBP + optional euro account (USD for limited companies only) | USD |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) |
| 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, 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.
Zalety
- 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
Wady
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Chime
Chime is a US fintech offering fee-free mobile banking through partner banks, with no monthly or overdraft fees, early direct deposit, SpotMe overdraft coverage and a Credit Builder card. It is a strong everyday account for fee-conscious US users, though it is not a bank itself and cash deposits depend on retail partners.
Zalety
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Wady
- US-only
- Not a bank itself — services via partner banks
- No physical branches
Podsumowanie
Ogólnie Starling Bank wysuwa się na prowadzenie z wynikiem 4.5 wobec 4.1 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.