Starling Bank vs OFX
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Starling Bank | OFX |
|---|---|---|
| Puntuación | 4.5 / 5 | 4.0 / 5 |
| Ideal para | Free UK personal and business banking | Larger international money transfers |
| Comisión mensual | Free personal account | Free |
| Tipo de cambio | Mastercard rate, no markup | Exchange-rate margin (better on larger amounts) |
| Enviar / recibir | Free UK transfers | No OFX transfer fee |
| Retiradas | Free in the UK and abroad | Bank-to-bank delivery |
| Tarjeta | Yes — debit Mastercard | No card — bank-to-bank transfers only |
| Disponibilidad | United Kingdom | 170+ countries |
| Divisas | GBP (EUR/USD business accounts) | 50+ currencies |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | ASIC (AU), FinCEN (US), FCA (UK), FINTRAC (CA) |
| Fundación | 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.
Pros
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Contras
- 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.
Pros
- No transfer fees on transfers
- 24/7 human phone support
- 170+ countries and 50+ currencies
Contras
- Minimum transfer amount applies
- No cash pickup or card spending
- Not instant — bank delivery times
En resumen
En conjunto, Starling Bank se adelanta con una puntuación de 4.5 frente a 4.0, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.