Starling Bank vs Jeton
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Starling Bank | Jeton |
|---|---|---|
| Ocena | 4.5 / 5 | 3.4 / 5 |
| Najlepszy do | Free UK personal and business banking | Multi-currency online payments & gaming |
| Opłata miesięczna | Free personal account | Maintenance, monthly and annual fees waived |
| Kurs wymiany | Mastercard rate, no Starling fee on card payments | Not published on the public fee page |
| Wysyłanie / odbiór | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Shown in the app (not on the public fee page) |
| Wypłaty | No Starling fee in the UK or abroad (£300 a day abroad) | Not published on the public fee page |
| Karta | Yes — debit Mastercard | Yes — Jeton Card (virtual and physical) |
| Dostępność | United Kingdom (residents aged 16+) | Connected with 25+ countries |
| Waluty | GBP + optional euro account (USD for limited companies only) | Multiple currencies |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | Jeton Bank Limited — Financial Services Unit, Dominica |
| Założono | 2014 | 2017 |
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
Jeton
Jeton is an e-wallet run by Jeton Bank Limited, licensed by the Financial Services Unit of Dominica, connected with 25+ countries and 50 payment methods. Account fees are waived and local bank-transfer top-ups are free, but its public fee page does not list exchange, withdrawal or wallet-to-wallet fees, so check them in the app. Useful for merchants that take Jeton; less transparent than a regulated EU or UK neobank.
Zalety
- No maintenance, monthly or annual account fees
- Free local bank-transfer top-ups (EUR 10 to 10,000)
- Virtual card from 0.99 USD/EUR
Wady
- Exchange, withdrawal and transfer fees are not on the public fee page
- Physical card costs 39.99 USD/EUR
- ATM abroad: 0.5% + 2% of the amount
Podsumowanie
Ogólnie Starling Bank wysuwa się na prowadzenie z wynikiem 4.5 wobec 3.4 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.