Starling Bank vs MuchBetter
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Starling Bank | MuchBetter |
|---|---|---|
| Puntuación | 4.5 / 5 | 3.7 / 5 |
| Ideal para | Free UK personal and business banking | Mobile deposits & withdrawals |
| Comisión mensual | Free personal account | No standard monthly fee |
| Tipo de cambio | Mastercard rate, no Starling fee on card payments | ~0.99% on major currencies |
| Enviar / recibir | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free P2P; free SEPA/bank top-ups |
| Retiradas | No Starling fee in the UK or abroad (£300 a day abroad) | ~2% to bank; ~0.99% ATM |
| Tarjeta | Yes — debit Mastercard | Yes — Mastercard plus contactless wearables |
| Disponibilidad | United Kingdom (residents aged 16+) | Most countries (excl. US) |
| Divisas | GBP + optional euro account (USD for limited companies only) | Multiple major currencies |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (e-money institution) |
| Fundación | 2014 | 2017 |
Starling Bank
Starling Bank is a fully licensed UK app bank with FSCS-protected deposits, no fees on overseas spending or ATM withdrawals, an optional euro account 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.
Pros
- Full UK bank, FSCS-protected deposits up to £120,000
- No Starling fees on overseas spending or ATM withdrawals
- Euro account with its own IBAN, no monthly fee
Contras
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
MuchBetter
MuchBetter is an FCA-regulated, mobile-first e-wallet built around fast mobile deposits and withdrawals, with a slick app, low ~0.99% FX and novel contactless wearables. Free SEPA top-ups and P2P keep costs down, though card-funding fees can climb toward 5% in some markets and it is unavailable in the US. A strong pick for mobile-centric users.
Pros
- Mobile-first app with dynamic security code
- Low ~0.99% FX on major currencies
- Free SEPA top-ups and P2P transfers
Contras
- Card deposit fees can reach ~1.5–5%
- Not available in the US
- Narrower coverage than Skrill
En resumen
En conjunto, Starling Bank se adelanta con una puntuación de 4.5 frente a 3.7, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.