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