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 | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 |
| Курс обмена | Mastercard rate, no Starling fee on card payments | Mastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends) |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | N/A (overlays existing cards) |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month |
| Карта | Yes — debit Mastercard | Yes — single Mastercard overlaying your cards |
| Доступность | United Kingdom (residents aged 16+) | UK and EEA (residents aged 18+) |
| Валюты | GBP + optional euro account (USD for limited companies only) | 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, 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.
Плюсы
- 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
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. Its free Curve Pay plan includes only £/€250 of fee-free FX a month and adds a 1.5% weekend fee, so its best travel value sits in the paid tiers. An overlay layer rather than a bank or transfer account.
Плюсы
- Combine all cards into one card & app
- No FX fee on paid plans up to high monthly allowances
- "Go Back in Time" to switch a payment's card
Минусы
- Free plan: 2.99% FX above £/€250 a month plus 1.5% at weekends
- 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.