Starling Bank vs Monzo
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Starling Bank | Monzo |
|---|---|---|
| Skóre | 4.5 / 5 | 4.4 / 5 |
| Nejlepší pro | Free UK personal and business banking | Everyday UK banking and budgeting |
| Měsíční poplatek | Free personal account | Free → Plus/Premium plans |
| Směnný kurz | Mastercard rate, no markup | Mastercard rate, no Monzo markup |
| Odeslat / přijmout | Free UK transfers | Free UK transfers |
| Výběry | Free in the UK and abroad | Free in UK; overseas cap then fee on free plan |
| Karta | Yes — debit Mastercard | Yes — debit Mastercard |
| Dostupnost | United Kingdom | UK (US in rollout) |
| Měny | GBP (EUR/USD business accounts) | GBP (spends abroad at Mastercard rate) |
| Regulace | UK PRA/FCA full banking licence (FSCS protected) | UK PRA/FCA full banking licence (FSCS protected) |
| Založeno | 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, 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.
Klady
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Zápory
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Monzo
Monzo is a fully licensed UK app bank with FSCS-protected deposits, best known for its budgeting tools (Pots, spending categories) and fee-free card spending abroad at the Mastercard rate. It is one of the most polished everyday banking apps in the UK, with overseas ATM limits and premium perks reserved for paid tiers.
Klady
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Zápory
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Závěr
Celkově se Starling Bank dostává mírně dopředu se skóre 4.5 oproti 4.4 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.