Starling Bank vs OFX
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Starling Bank | OFX |
|---|---|---|
| Оцінка | 4.5 / 5 | 4.0 / 5 |
| Найкраще для | Free UK personal and business banking | Larger international money transfers |
| Щомісячна комісія | Free personal account | Free |
| Обмінний курс | Mastercard rate, no Starling fee on card payments | Margin on the exchange rate, varies by currency and amount (not published as a %) |
| Надсилання / отримання | 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 |
| Виведення коштів | No Starling fee in the UK or abroad (£300 a day abroad) | Bank-to-bank delivery; third-party banks may deduct fees |
| Картка | Yes — debit Mastercard | No card — bank-to-bank transfers only |
| Доступність | United Kingdom (residents aged 16+) | Regional services incl. UK, Ireland, US, Canada, Australia, New Zealand and Hong Kong |
| Валюти | GBP + optional euro account (USD for limited companies only) | Major currencies (bank-to-bank; no personal balance held) |
| Регулювання | 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) |
| Засновано | 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.
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
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).
Плюси
- 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
Мінуси
- Minimum transfer (GBP 100 UK, US$150 US, AU$250 AU)
- No personal multi-currency account or card
- Not instant — bank delivery times
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 4.0 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.