Starling Bank vs Monzo
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Starling Bank | Monzo |
|---|---|---|
| Skóre | 4.5 / 5 | 4.4 / 5 |
| Najlepšia na | Free UK personal and business banking | Everyday UK banking and budgeting |
| Mesačný poplatok | Free personal account | Free → Plus/Premium plans |
| Výmenný kurz | Mastercard rate, no markup | Mastercard rate, no Monzo markup |
| Odoslať / prijať | Free UK transfers | Free UK transfers |
| Výbery | Free in the UK and abroad | Free in UK; overseas cap then fee on free plan |
| Karta | Yes — debit Mastercard | Yes — debit Mastercard |
| Dostupnosť | United Kingdom | UK (US in rollout) |
| Meny | GBP (EUR/USD business accounts) | GBP (spends abroad at Mastercard rate) |
| Regulácia | UK PRA/FCA full banking licence (FSCS protected) | UK PRA/FCA full banking licence (FSCS protected) |
| Založené | 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.
Výhody
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Nevýhody
- 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.
Výhody
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Nevýhody
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Záverečné zhrnutie
Celkovo sa Starling Bank dostáva dopredu so skóre 4.5 oproti 4.4 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.