Starling Bank vs Luxon Pay
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Starling Bank | Luxon Pay |
|---|---|---|
| Bewertung | 4.5 / 5 | 3.8 / 5 |
| Ideal für | Free UK personal and business banking | High-volume players wanting fast free transfers |
| Monatsgebühr | Free personal account | No monthly fee listed |
| Wechselkurs | Mastercard rate, no Starling fee on card payments | 2% Standard; 1% Classic; 0.5% Premium; 0% Noir |
| Senden / Empfangen | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free between Luxon Pay users |
| Auszahlungen | No Starling fee in the UK or abroad (£300 a day abroad) | SEPA free; SWIFT EUR 20 (free on Premium and Noir); ATM 1% |
| Karte | Yes — debit Mastercard | Yes — Luxon Pay Mastercard issued by Monavate UAB |
| Verfügbarkeit | United Kingdom (residents aged 16+) | 132 countries (per Luxon) |
| Währungen | GBP + optional euro account (USD for limited companies only) | 38 account currencies |
| Regulierung | UK PRA/FCA full banking licence (FSCS protected) | card issuer Monavate UAB, authorised by the Bank of Lithuania (licence no. 92); Luxon EU ApS names no licence of its own |
| Gegründet | 2014 | n/a (not stated by Luxon) |
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.
Vorteile
- 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
Nachteile
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Luxon Pay
Luxon Pay is a multi-currency e-wallet run by Luxon EU ApS (Denmark), with 38 account currencies, free transfers between users and a Mastercard issued by Monavate UAB under a Bank of Lithuania licence. Standard-tier users pay 2% on currency exchange and EUR 20 for SWIFT withdrawals; tiers based on quarterly merchant deposits cut FX to 1%, 0.5% or zero.
Vorteile
- Free vIBAN bank and card deposits
- Free instant transfers between Luxon Pay users
- Free SEPA withdrawals on every tier
Nachteile
- Tiers depend on quarterly merchant deposits (Classic from EUR 3,000)
- 2% FX and EUR 20 SWIFT fee at Standard tier
- ATM withdrawals cost 1% on every tier
Das Fazit
Insgesamt liegt Starling Bank mit einer Bewertung von 4.5 gegenüber 3.8 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.