Starling Bank vs Google Wallet
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Starling Bank | Google Wallet |
|---|---|---|
| Оцінка | 4.5 / 5 | 4.3 / 5 |
| Найкраще для | Free UK personal and business banking | Contactless payments & passes on Android |
| Щомісячна комісія | Free personal account | Free |
| Обмінний курс | Mastercard rate, no markup | Uses your card's FX terms |
| Надсилання / отримання | Free UK transfers | No Google fee; P2P limited in many markets |
| Виведення коштів | Free in the UK and abroad | N/A |
| Картка | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Доступність | United Kingdom | Tap-to-pay in 100+ countries |
| Валюти | GBP (EUR/USD business accounts) | Local card currency |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Засновано | 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.
Плюси
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Мінуси
- 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.
Плюси
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Мінуси
- No own account or balance in most markets
- P2P money-sending wound down in many regions
- Feature set varies widely by country
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 4.3 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.