Starling Bank vs Google Wallet
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Starling Bank | Google Wallet |
|---|---|---|
| Bewertung | 4.5 / 5 | 4.3 / 5 |
| Ideal für | Free UK personal and business banking | Contactless payments & passes on Android |
| Monatsgebühr | Free personal account | Free |
| Wechselkurs | Mastercard rate, no Starling fee on card payments | Uses your card's FX terms |
| Senden / Empfangen | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | No Google fee; send money only in India and Singapore |
| Auszahlungen | No Starling fee in the UK or abroad (£300 a day abroad) | N/A |
| Karte | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Verfügbarkeit | United Kingdom (residents aged 16+) | Countries on Google supported-countries list; tap to pay varies by country |
| Währungen | GBP + optional euro account (USD for limited companies only) | Local card currency |
| Regulierung | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Gegründet | 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, 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.
Vorteile
- 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
Nachteile
- 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 in the countries on Google's supported list, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but sending money to friends is only offered in India and Singapore. The natural everyday wallet for Android users.
Vorteile
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Nachteile
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
Das Fazit
Insgesamt liegt Starling Bank mit einer Bewertung von 4.5 gegenüber 4.3 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.