Starling Bank vs MuchBetter
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | MuchBetter |
|---|---|---|
| Note | 4.5 / 5 | 3.7 / 5 |
| Idéal pour | Free UK personal and business banking | Mobile deposits & withdrawals |
| Frais mensuels | Free personal account | No standard monthly fee |
| Taux de change | Mastercard rate, no markup | ~0.99% on major currencies |
| Envoyer / recevoir | Free UK transfers | Free P2P; free SEPA/bank top-ups |
| Retraits | Free in the UK and abroad | ~2% to bank; ~0.99% ATM |
| Carte | Yes — debit Mastercard | Yes — Mastercard plus contactless wearables |
| Disponibilité | United Kingdom | Most countries (excl. US) |
| Devises | GBP (EUR/USD business accounts) | Multiple major currencies |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (e-money institution) |
| Création | 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, 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
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.
Avantages
- Mobile-first app with dynamic security code
- Low ~0.99% FX on major currencies
- Free SEPA top-ups and P2P transfers
Inconvénients
- Card deposit fees can reach ~1.5–5%
- Not available in the US
- Narrower coverage than Skrill
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 3.7 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.