Starling Bank vs Monzo
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Monzo |
|---|---|---|
| Оценка | 4.5 / 5 | 4.4 / 5 |
| Лучше всего для | Free UK personal and business banking | Everyday UK banking and budgeting |
| Ежемесячная комиссия | Free personal account | Free → Plus/Premium plans |
| Курс обмена | Mastercard rate, no markup | Mastercard rate, no Monzo markup |
| Отправка / получение | Free UK transfers | Free UK transfers |
| Выводы средств | Free in the UK and abroad | Free in UK; overseas cap then fee on free plan |
| Карта | Yes — debit Mastercard | Yes — debit Mastercard |
| Доступность | United Kingdom | UK (US in rollout) |
| Валюты | GBP (EUR/USD business accounts) | GBP (spends abroad at Mastercard rate) |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UK PRA/FCA full banking licence (FSCS protected) |
| 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, 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Минусы
- 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Минусы
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 4.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.