Starling Bank vs Curve
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Curve |
|---|---|---|
| Оценка | 4.5 / 5 | 3.8 / 5 |
| Лучше всего для | Free UK personal and business banking | Consolidating multiple cards into one |
| Ежемесячная комиссия | Free personal account | Free → ~£14.99/mo (Pay→Metal) |
| Курс обмена | Mastercard rate, no markup | Mid-market weekdays; weekend surcharge |
| Отправка / получение | Free UK transfers | N/A (overlays existing cards) |
| Выводы средств | Free in the UK and abroad | Limited free ATM, then fees |
| Карта | Yes — debit Mastercard | Yes — single Mastercard overlaying your cards |
| Доступность | United Kingdom | 30+ European countries (+ US rollout) |
| Валюты | GBP (EUR/USD business accounts) | Spends in multiple currencies via linked cards |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | FCA-authorised e-money institution |
| Основан | 2014 | 2015 |
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
Curve
Curve is a London-based smart card that consolidates all your existing debit and credit cards into one Mastercard and app, with a standout "Go Back in Time" feature to retroactively switch a payment's funding card. It offers mid-market FX on weekdays but adds a weekend surcharge, and its best perks sit behind paid tiers. An overlay layer rather than a bank or transfer account.
Плюсы
- Combine all cards into one card & app
- Mid-market FX on weekdays
- "Go Back in Time" to switch a payment's card
Минусы
- Weekend FX surcharge applies
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.