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