Starling Bank vs OFX
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | OFX |
|---|---|---|
| Оценка | 4.5 / 5 | 4.0 / 5 |
| Лучше всего для | Free UK personal and business banking | Larger international money transfers |
| Ежемесячная комиссия | Free personal account | Free |
| Курс обмена | Mastercard rate, no Starling fee on card payments | Margin on the exchange rate, varies by currency and amount (not published as a %) |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | No OFX transfer fee (UK, IE, US); AU$15 under AU$10,000 in Australia |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | Bank-to-bank delivery; third-party banks may deduct fees |
| Карта | Yes — debit Mastercard | No card — bank-to-bank transfers only |
| Доступность | United Kingdom (residents aged 16+) | Regional services incl. UK, Ireland, US, Canada, Australia, New Zealand and Hong Kong |
| Валюты | GBP + optional euro account (USD for limited companies only) | Major currencies (bank-to-bank; no personal balance held) |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | FCA e-money institution (UK, FRN 902028), Central Bank of Ireland (IE), ASIC (AU), licensed money transmitter NMLS 1021624 (US) |
| Основан | 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, 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
OFX
OFX is an international money-transfer specialist for bank-to-bank transfers. It charges no transfer fee in the UK, Ireland and the US (AU$15 under AU$10,000 in Australia) and earns a margin on the exchange rate that depends on the currency and amount. There is no personal multi-currency account or card, and minimum transfers apply (GBP 100 in the UK, US$150 in the US).
Плюсы
- No OFX transfer fee in the UK, Ireland and US
- 24/7 support (stated on the OFX UK site)
- Margin depends on currency and amount, suits larger transfers
Минусы
- Minimum transfer (GBP 100 UK, US$150 US, AU$250 AU)
- No personal multi-currency account or card
- Not instant — bank delivery times
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.