Starling Bank vs Google Wallet
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Starling Bank | Google Wallet |
|---|---|---|
| Puntuación | 4.5 / 5 | 4.3 / 5 |
| Ideal para | Free UK personal and business banking | Contactless payments & passes on Android |
| Comisión mensual | Free personal account | Free |
| Tipo de cambio | Mastercard rate, no Starling fee on card payments | Uses your card's FX terms |
| Enviar / recibir | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | No Google fee; send money only in India and Singapore |
| Retiradas | No Starling fee in the UK or abroad (£300 a day abroad) | N/A |
| Tarjeta | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Disponibilidad | United Kingdom (residents aged 16+) | Countries on Google supported-countries list; tap to pay varies by country |
| Divisas | GBP + optional euro account (USD for limited companies only) | Local card currency |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Fundación | 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.
Pros
- 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
Contras
- 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.
Pros
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Contras
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
En resumen
En conjunto, Starling Bank se adelanta con una puntuación de 4.5 frente a 4.3, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.