Starling Bank vs OFX
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Starling Bank | OFX |
|---|---|---|
| Skóre | 4.5 / 5 | 4.0 / 5 |
| Nejlepší pro | Free UK personal and business banking | Larger international money transfers |
| Měsíční poplatek | Free personal account | Free |
| Směnný kurz | Mastercard rate, no markup | Exchange-rate margin (better on larger amounts) |
| Odeslat / přijmout | Free UK transfers | No OFX transfer fee |
| Výběry | Free in the UK and abroad | Bank-to-bank delivery |
| Karta | Yes — debit Mastercard | No card — bank-to-bank transfers only |
| Dostupnost | United Kingdom | 170+ countries |
| Měny | GBP (EUR/USD business accounts) | 50+ currencies |
| Regulace | UK PRA/FCA full banking licence (FSCS protected) | ASIC (AU), FinCEN (US), FCA (UK), FINTRAC (CA) |
| Založeno | 2014 | 1998 |
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.
Klady
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Zápory
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
OFX
OFX is a long-established international money-transfer specialist covering 170+ countries and 50+ currencies with no transfer fees and 24/7 human support. It earns through a margin on the exchange rate that tightens on larger transfers, making it best suited to bigger bank-to-bank moves rather than small everyday spending. There is no card or cash pickup, and a minimum transfer amount applies.
Klady
- No transfer fees on transfers
- 24/7 human phone support
- 170+ countries and 50+ currencies
Zápory
- Minimum transfer amount applies
- No cash pickup or card spending
- Not instant — bank delivery times
Závěr
Celkově se Starling Bank dostává mírně dopředu se skóre 4.5 oproti 4.0 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.