Starling Bank vs Paysera
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Starling Bank | Paysera |
|---|---|---|
| Skóre | 4.5 / 5 | 3.8 / 5 |
| Nejlepší pro | Free UK personal and business banking | Cheap SEPA transfers & small-business accounts |
| Měsíční poplatek | Free personal account | Free account |
| Směnný kurz | Mastercard rate, no Starling fee on card payments | Competitive conversion |
| Odeslat / přijmout | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Low SEPA fees |
| Výběry | No Starling fee in the UK or abroad (£300 a day abroad) | Low ATM fees |
| Karta | Yes — debit Mastercard | Yes — Visa debit (region-dependent) |
| Dostupnost | United Kingdom (residents aged 16+) | EEA + global transfers |
| Měny | GBP + optional euro account (USD for limited companies only) | 20+ currencies |
| Regulace | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (EMI) |
| Založeno | 2014 | 2004 |
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.
Klady
- 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
Zápory
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Paysera
Paysera is a long-running Lithuanian e-money provider known for very low-cost SEPA transfers, a free multi-currency IBAN and merchant payment tools, making it a favourite of freelancers and small businesses. Its interface is more functional than flashy, but the pricing is among the cheapest in the EU.
Klady
- Very low transfer and account fees
- Free multi-currency IBAN
- Strong for freelancers and small businesses
Zápory
- Interface feels dated
- Support is mainly online
- Card availability varies by country
Závěr
Celkově se Starling Bank dostává mírně dopředu se skóre 4.5 oproti 3.8 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.