Starling Bank vs Google Wallet
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | Google Wallet |
|---|---|---|
| Note | 4.5 / 5 | 4.3 / 5 |
| Idéal pour | Free UK personal and business banking | Contactless payments & passes on Android |
| Frais mensuels | Free personal account | Free |
| Taux de change | Mastercard rate, no markup | Uses your card's FX terms |
| Envoyer / recevoir | Free UK transfers | No Google fee; P2P limited in many markets |
| Retraits | Free in the UK and abroad | N/A |
| Carte | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Disponibilité | United Kingdom | Tap-to-pay in 100+ countries |
| Devises | GBP (EUR/USD business accounts) | Local card currency |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Création | 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.
Avantages
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Inconvénients
- 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.
Avantages
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Inconvénients
- No own account or balance in most markets
- P2P money-sending wound down in many regions
- Feature set varies widely by country
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 4.3 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.