Starling Bank vs Luxon Pay
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Starling Bank | Luxon Pay |
|---|---|---|
| Puntuación | 4.5 / 5 | 3.8 / 5 |
| Ideal para | Free UK personal and business banking | High-volume players wanting fast free transfers |
| Comisión mensual | Free personal account | Free |
| Tipo de cambio | Mastercard rate, no markup | 1% standard; 0% at top VIP |
| Enviar / recibir | Free UK transfers | Free wallet-to-wallet |
| Retiradas | Free in the UK and abroad | SWIFT ~EUR 20 standard; free at top tier |
| Tarjeta | Yes — debit Mastercard | Yes — Mastercard (virtual & physical) |
| Disponibilidad | United Kingdom | Multiple regions |
| Divisas | GBP (EUR/USD business accounts) | 38+ currencies (plus select crypto) |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | FCA-authorised Electronic Money Institution |
| Fundación | 2014 | 2018 |
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.
Pros
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Contras
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Luxon Pay
Luxon Pay is an FCA-authorised multi-currency e-wallet known for free transfers and a Mastercard across 38+ currencies, popular with high-volume users. Standard-tier FX and SWIFT fees apply, but high-volume VIP members can reduce nearly all fees to zero.
Pros
- Free deposits, withdrawals & internal transfers
- FCA-authorised electronic money institution
- 38+ currencies with virtual & physical Mastercard
Contras
- Best rates require high VIP tier deposits
- 1% FX & EUR 20 SWIFT fee at standard tier
- Niche brand with limited mainstream recognition
En resumen
En conjunto, Starling Bank se adelanta con una puntuación de 4.5 frente a 3.8, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.