Starling Bank vs Payoneer
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Payoneer |
|---|---|---|
| Оценка | 4.5 / 5 | 3.8 / 5 |
| Лучше всего для | Free UK personal and business banking | Freelancers & marketplaces getting paid globally |
| Ежемесячная комиссия | Free personal account | Free; $29.95/yr card fee if receipts < $6,000/yr |
| Курс обмена | Mastercard rate, no Starling fee on card payments | Up to ~3.5% |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free Payoneer-to-Payoneer |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | Fee to local bank (varies by currency) |
| Карта | Yes — debit Mastercard | Yes — prepaid business Mastercard (where eligible) |
| Доступность | United Kingdom (residents aged 16+) | 190+ countries/territories |
| Валюты | GBP + optional euro account (USD for limited companies only) | 70+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (US), FCA / Central Bank of Ireland |
| Основан | 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, 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
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.
Плюсы
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
Минусы
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.