Starling Bank vs Monzo
Uno sguardo fianco a fianco a come si confrontano questi due portafogli — e quale vince per ciascun compito.
| Caratteristica | Starling Bank | Monzo |
|---|---|---|
| Punteggio | 4.5 / 5 | 4.4 / 5 |
| Ideale per | Free UK personal and business banking | Everyday UK banking and budgeting |
| Canone mensile | Free personal account | Free → Plus/Premium plans |
| Tasso di cambio | Mastercard rate, no markup | Mastercard rate, no Monzo markup |
| Invia / ricevi | Free UK transfers | Free UK transfers |
| Prelievi | Free in the UK and abroad | Free in UK; overseas cap then fee on free plan |
| Carta | Yes — debit Mastercard | Yes — debit Mastercard |
| Disponibilità | United Kingdom | UK (US in rollout) |
| Valute | GBP (EUR/USD business accounts) | GBP (spends abroad at Mastercard rate) |
| Regolamentazione | UK PRA/FCA full banking licence (FSCS protected) | UK PRA/FCA full banking licence (FSCS protected) |
| Fondata | 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.
Pro
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Contro
- 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.
Pro
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contro
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
In conclusione
Nel complesso, Starling Bank ha la meglio con un punteggio di 4.5 contro 4.4 — ma la scelta giusta dipende dalle tue priorità. Verifica entrambi rispetto al tuo Paese e al tuo caso d'uso prima di decidere.