Starling Bank vs Google Wallet
Uno sguardo fianco a fianco a come si confrontano questi due portafogli — e quale vince per ciascun compito.
| Caratteristica | Starling Bank | Google Wallet |
|---|---|---|
| Punteggio | 4.5 / 5 | 4.3 / 5 |
| Ideale per | Free UK personal and business banking | Contactless payments & passes on Android |
| Canone mensile | Free personal account | Free |
| Tasso di cambio | Mastercard rate, no Starling fee on card payments | Uses your card's FX terms |
| Invia / ricevi | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | No Google fee; send money only in India and Singapore |
| Prelievi | No Starling fee in the UK or abroad (£300 a day abroad) | N/A |
| Carta | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Disponibilità | United Kingdom (residents aged 16+) | Countries on Google supported-countries list; tap to pay varies by country |
| Valute | GBP + optional euro account (USD for limited companies only) | Local card currency |
| Regolamentazione | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Fondata | 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.
Pro
- 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
Contro
- 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.
Pro
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Contro
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
In conclusione
Nel complesso, Starling Bank ha la meglio con un punteggio di 4.5 contro 4.3 — ma la scelta giusta dipende dalle tue priorità. Verifica entrambi rispetto al tuo Paese e al tuo caso d'uso prima di decidere.