Starling Bank vs Neteller
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Neteller |
|---|---|---|
| Оценка | 4.5 / 5 | 3.5 / 5 |
| Лучше всего для | Free UK personal and business banking | Online deposits & international transfers |
| Ежемесячная комиссия | Free personal account | Free; USD 5/mo after 6 months without a login or transaction |
| Курс обмена | Mastercard rate, no Starling fee on card payments | Up to 3.99% (VIP from 1%) |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | 2.99% to send (min USD 0.50); receiving free |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | 1.75% to a bank account (min USD 3.50) |
| Карта | Yes — debit Mastercard | Yes — Net+ prepaid Mastercard (EEA and UK) |
| Доступность | United Kingdom (residents aged 16+) | Most countries (excl. US) |
| Валюты | GBP + optional euro account (USD for limited companies only) | Multiple currency balances |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (Paysafe Payment Solutions Ltd) |
| Основан | 2014 | 1999 |
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.
Плюсы
- 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
Минусы
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Neteller
Neteller is Skrill's Paysafe sibling, used mainly to fund trading and online accounts, with a Knect rewards programme and a Net+ prepaid card for EEA and UK residents. Standard members pay up to 3.99% in FX fees (VIP members from 1%), 2.99% to send money and 1.75% (min USD 3.50) to withdraw to a bank, plus USD 5 a month after six months of inactivity. Well accepted, but not a cheap way to hold or move currencies.
Плюсы
- Sister product to Skrill, broad acceptance
- Knect loyalty programme earns points
- FX fee drops to as little as 1% for VIP members
Минусы
- Net+ card limited to EEA and UK residents
- FX fee up to 3.99% for standard members
- USD 5/mo inactivity fee after 6 months
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.5 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.