Starling Bank vs MiFinity
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Starling Bank | MiFinity |
|---|---|---|
| Оцінка | 4.5 / 5 | 3.4 / 5 |
| Найкраще для | Free UK personal and business banking | International online payments |
| Щомісячна комісія | Free personal account | No standard monthly fee |
| Обмінний курс | Mastercard rate, no Starling fee on card payments | Conversion margin applies |
| Надсилання / отримання | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free wallet-to-wallet |
| Виведення коштів | No Starling fee in the UK or abroad (£300 a day abroad) | Varies by method |
| Картка | Yes — debit Mastercard | Yes — prepaid Mastercard (select regions) |
| Доступність | United Kingdom (residents aged 16+) | 100+ countries |
| Валюти | GBP + optional euro account (USD for limited companies only) | Multiple major currencies |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland; Isle of Man FSA |
| Засновано | 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.
Плюси
- 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
Мінуси
- 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.
Плюси
- Supports many local payment methods and currencies
- Fast wallet-to-wallet transfers
- eVoucher top-up option
Мінуси
- Conversion and withdrawal fees vary
- Card availability is region-dependent
- Lower brand recognition than PayPal or Skrill
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 3.4 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.