Starling Bank vs Google Wallet
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Starling Bank | Google Wallet |
|---|---|---|
| Skóre | 4.5 / 5 | 4.3 / 5 |
| Najlepšia na | Free UK personal and business banking | Contactless payments & passes on Android |
| Mesačný poplatok | Free personal account | Free |
| Výmenný kurz | Mastercard rate, no markup | Uses your card's FX terms |
| Odoslať / prijať | Free UK transfers | No Google fee; P2P limited in many markets |
| Výbery | Free in the UK and abroad | N/A |
| Karta | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Dostupnosť | United Kingdom | Tap-to-pay in 100+ countries |
| Meny | GBP (EUR/USD business accounts) | Local card currency |
| Regulácia | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Založené | 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.
Výhody
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Nevýhody
- 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.
Výhody
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Nevýhody
- No own account or balance in most markets
- P2P money-sending wound down in many regions
- Feature set varies widely by country
Záverečné zhrnutie
Celkovo sa Starling Bank dostáva dopredu so skóre 4.5 oproti 4.3 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.