Starling Bank vs MuchBetter
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Starling Bank | MuchBetter |
|---|---|---|
| Оцінка | 4.5 / 5 | 3.7 / 5 |
| Найкраще для | Free UK personal and business banking | Mobile deposits & withdrawals |
| Щомісячна комісія | Free personal account | No standard monthly fee |
| Обмінний курс | Mastercard rate, no Starling fee on card payments | ~0.99% on major currencies |
| Надсилання / отримання | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free P2P; free SEPA/bank top-ups |
| Виведення коштів | No Starling fee in the UK or abroad (£300 a day abroad) | ~2% to bank; ~0.99% ATM |
| Картка | Yes — debit Mastercard | Yes — Mastercard plus contactless wearables |
| Доступність | United Kingdom (residents aged 16+) | Most countries (excl. US) |
| Валюти | GBP + optional euro account (USD for limited companies only) | Multiple major currencies |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (e-money institution) |
| Засновано | 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.
Плюси
- 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
Мінуси
- 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.
Плюси
- Mobile-first app with dynamic security code
- Low ~0.99% FX on major currencies
- Free SEPA top-ups and P2P transfers
Мінуси
- Card deposit fees can reach ~1.5–5%
- Not available in the US
- Narrower coverage than Skrill
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 3.7 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.