Starling Bank vs MiFinity
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | MiFinity |
|---|---|---|
| Оценка | 4.5 / 5 | 3.4 / 5 |
| Лучше всего для | Free UK personal and business banking | International online payments |
| Ежемесячная комиссия | Free personal account | No standard monthly fee |
| Курс обмена | Mastercard rate, no Starling fee on card payments | Conversion margin applies |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free wallet-to-wallet |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | Varies by method |
| Карта | Yes — debit Mastercard | Yes — prepaid Mastercard (select regions) |
| Доступность | United Kingdom (residents aged 16+) | 100+ countries |
| Валюты | GBP + optional euro account (USD for limited companies only) | Multiple major currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland; Isle of Man FSA |
| Основан | 2014 | 2015 |
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
MiFinity
MiFinity is an Ireland-based e-wallet used for online payments across 100+ countries, supporting many local funding methods, multiple currencies, eVouchers and an optional prepaid Mastercard. Its strength is broad payment-method and currency coverage, though conversion and withdrawal costs vary and brand recognition trails the larger wallets.
Плюсы
- Supports many local payment methods and currencies
- Fast wallet-to-wallet transfers
- eVoucher top-up option
Минусы
- Conversion and withdrawal fees vary
- Card availability is region-dependent
- Lower brand recognition than PayPal or Skrill
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.