Starling Bank vs Payoneer
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Starling Bank | Payoneer |
|---|---|---|
| Ocena | 4.5 / 5 | 3.8 / 5 |
| Najlepszy do | Free UK personal and business banking | Freelancers & marketplaces getting paid globally |
| Opłata miesięczna | Free personal account | Free; $29.95/yr card fee if receipts < $6,000/yr |
| Kurs wymiany | Mastercard rate, no markup | Up to ~3.5% |
| Wysyłanie / odbiór | Free UK transfers | Free Payoneer-to-Payoneer |
| Wypłaty | Free in the UK and abroad | Fee to local bank (varies by currency) |
| Karta | Yes — debit Mastercard | Yes — prepaid business Mastercard (where eligible) |
| Dostępność | United Kingdom | 190+ countries/territories |
| Waluty | GBP (EUR/USD business accounts) | 70+ currencies |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (US), FCA / Central Bank of Ireland |
| Założono | 2014 | 2005 |
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.
Zalety
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Wady
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Payoneer
Payoneer specialises in cross-border B2B and marketplace payments, giving freelancers and businesses local receiving accounts in major currencies and deep integration with platforms like Amazon and Upwork. It reaches 190+ countries, including markets others struggle with. Currency conversion can cost up to ~3.5% and a low-activity card fee applies, so it shines more for business than personal use.
Zalety
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
Wady
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
Podsumowanie
Ogólnie Starling Bank wysuwa się na prowadzenie z wynikiem 4.5 wobec 3.8 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.