Starling Bank vs Luxon Pay
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | Luxon Pay |
|---|---|---|
| Note | 4.5 / 5 | 3.8 / 5 |
| Idéal pour | Free UK personal and business banking | High-volume players wanting fast free transfers |
| Frais mensuels | Free personal account | Free |
| Taux de change | Mastercard rate, no markup | 1% standard; 0% at top VIP |
| Envoyer / recevoir | Free UK transfers | Free wallet-to-wallet |
| Retraits | Free in the UK and abroad | SWIFT ~EUR 20 standard; free at top tier |
| Carte | Yes — debit Mastercard | Yes — Mastercard (virtual & physical) |
| Disponibilité | United Kingdom | Multiple regions |
| Devises | GBP (EUR/USD business accounts) | 38+ currencies (plus select crypto) |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | FCA-authorised Electronic Money Institution |
| Création | 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.
Avantages
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Inconvénients
- 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.
Avantages
- Free deposits, withdrawals & internal transfers
- FCA-authorised electronic money institution
- 38+ currencies with virtual & physical Mastercard
Inconvénients
- Best rates require high VIP tier deposits
- 1% FX & EUR 20 SWIFT fee at standard tier
- Niche brand with limited mainstream recognition
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 3.8 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.