Starling Bank vs Google Wallet
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Starling Bank | Google Wallet |
|---|---|---|
| Ocena | 4.5 / 5 | 4.3 / 5 |
| Najlepszy do | Free UK personal and business banking | Contactless payments & passes on Android |
| Opłata miesięczna | Free personal account | Free |
| Kurs wymiany | Mastercard rate, no markup | Uses your card's FX terms |
| Wysyłanie / odbiór | Free UK transfers | No Google fee; P2P limited in many markets |
| Wypłaty | Free in the UK and abroad | N/A |
| Karta | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Dostępność | United Kingdom | Tap-to-pay in 100+ countries |
| Waluty | GBP (EUR/USD business accounts) | Local card currency |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Założono | 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.
Zalety
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Wady
- 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.
Zalety
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Wady
- No own account or balance in most markets
- P2P money-sending wound down in many regions
- Feature set varies widely by country
Podsumowanie
Ogólnie Starling Bank wysuwa się na prowadzenie z wynikiem 4.5 wobec 4.3 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.