Starling Bank vs Paysera
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | Paysera |
|---|---|---|
| Note | 4.5 / 5 | 3.8 / 5 |
| Idéal pour | Free UK personal and business banking | Cheap SEPA transfers & small-business accounts |
| Frais mensuels | Free personal account | Free account |
| Taux de change | Mastercard rate, no markup | Competitive conversion |
| Envoyer / recevoir | Free UK transfers | Low SEPA fees |
| Retraits | Free in the UK and abroad | Low ATM fees |
| Carte | Yes — debit Mastercard | Yes — Visa debit (region-dependent) |
| Disponibilité | United Kingdom | EEA + global transfers |
| Devises | GBP (EUR/USD business accounts) | 20+ currencies |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (EMI) |
| Création | 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, 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.
Avantages
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Inconvénients
- 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.
Avantages
- Very low transfer and account fees
- Free multi-currency IBAN
- Strong for freelancers and small businesses
Inconvénients
- Interface feels dated
- Support is mainly online
- Card availability varies by country
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 3.8 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.