Starling Bank vs Jeton
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Jeton |
|---|---|---|
| Оценка | 4.5 / 5 | 3.4 / 5 |
| Лучше всего для | Free UK personal and business banking | Multi-currency online payments & gaming |
| Ежемесячная комиссия | Free personal account | Maintenance, monthly and annual fees waived |
| Курс обмена | Mastercard rate, no Starling fee on card payments | Not published on the public fee page |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Shown in the app (not on the public fee page) |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | Not published on the public fee page |
| Карта | Yes — debit Mastercard | Yes — Jeton Card (virtual and physical) |
| Доступность | United Kingdom (residents aged 16+) | Connected with 25+ countries |
| Валюты | GBP + optional euro account (USD for limited companies only) | Multiple currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Jeton Bank Limited — Financial Services Unit, Dominica |
| Основан | 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.
Плюсы
- 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
Минусы
- 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.
Плюсы
- 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
Минусы
- 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
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.