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 Starling fee on card payments | Uses your card's FX terms |
| Envoyer / recevoir | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | No Google fee; send money only in India and Singapore |
| Retraits | No Starling fee in the UK or abroad (£300 a day abroad) | N/A |
| Carte | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Disponibilité | United Kingdom (residents aged 16+) | Countries on Google supported-countries list; tap to pay varies by country |
| Devises | GBP + optional euro account (USD for limited companies only) | 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, 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.
Avantages
- 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
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 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.
Avantages
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Inconvénients
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- 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.