Starling Bank vs Google Wallet
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Google Wallet |
|---|---|---|
| Оценка | 4.5 / 5 | 4.3 / 5 |
| Лучше всего для | Free UK personal and business banking | Contactless payments & passes on Android |
| Ежемесячная комиссия | Free personal account | Free |
| Курс обмена | Mastercard rate, no markup | Uses your card's FX terms |
| Отправка / получение | Free UK transfers | No Google fee; P2P limited in many markets |
| Выводы средств | Free in the UK and abroad | N/A |
| Карта | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Доступность | United Kingdom | Tap-to-pay in 100+ countries |
| Валюты | GBP (EUR/USD business accounts) | Local card currency |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Основан | 2014 | 2011 (Wallet rebrand 2022) |
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
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use and accepted in over 100 countries, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but its peer-to-peer money features have been scaled back. The natural everyday wallet for Android users.
Плюсы
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Минусы
- No own account or balance in most markets
- P2P money-sending wound down in many regions
- Feature set varies widely by country
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 4.3 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.