Starling Bank vs Monzo
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | Monzo |
|---|---|---|
| Note | 4.5 / 5 | 4.4 / 5 |
| Idéal pour | Free UK personal and business banking | Everyday UK banking and budgeting |
| Frais mensuels | Free personal account | Free → Plus/Premium plans |
| Taux de change | Mastercard rate, no markup | Mastercard rate, no Monzo markup |
| Envoyer / recevoir | Free UK transfers | Free UK transfers |
| Retraits | Free in the UK and abroad | Free in UK; overseas cap then fee on free plan |
| Carte | Yes — debit Mastercard | Yes — debit Mastercard |
| Disponibilité | United Kingdom | UK (US in rollout) |
| Devises | GBP (EUR/USD business accounts) | GBP (spends abroad at Mastercard rate) |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | UK PRA/FCA full banking licence (FSCS protected) |
| Création | 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.
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
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.
Avantages
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Inconvénients
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 4.4 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.