Starling Bank vs PayPal
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | PayPal |
|---|---|---|
| Оценка | 4.5 / 5 | 3.6 / 5 |
| Лучше всего для | Free UK personal and business banking | Online shopping & buyer protection |
| Ежемесячная комиссия | Free personal account | Free |
| Курс обмена | Mastercard rate, no Starling fee on card payments | ~3–4% above wholesale rate |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free friends/family same currency; goods & services fees apply |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | Free standard bank transfer; ~1% instant |
| Карта | Yes — debit Mastercard | Limited (debit/credit in some markets, e.g. US) |
| Доступность | United Kingdom (residents aged 16+) | 200+ countries/regions |
| Валюты | GBP + optional euro account (USD for limited companies only) | 25 currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (US), Luxembourg CSSF (EU) |
| 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
PayPal
PayPal is the most widely accepted online payment service, valued for its buyer protection and near-universal merchant coverage. Its convenience comes at a cost: currency conversion markups of roughly 3–4% and layered international fees make it expensive for cross-border transfers compared with dedicated specialists. Best suited to online shopping rather than low-cost money movement.
Плюсы
- Accepted by millions of merchants worldwide
- Strong buyer and seller protection
- Easy to set up and use
Минусы
- High currency conversion markup (~3–4%)
- International receiving fees add up
- Account freezes/holds reported by some users
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.6 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.