Starling Bank vs Paysera
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Paysera |
|---|---|---|
| Оценка | 4.5 / 5 | 3.8 / 5 |
| Лучше всего для | Free UK personal and business banking | Cheap SEPA transfers & small-business accounts |
| Ежемесячная комиссия | Free personal account | Free account |
| Курс обмена | Mastercard rate, no markup | Competitive conversion |
| Отправка / получение | Free UK transfers | Low SEPA fees |
| Выводы средств | Free in the UK and abroad | Low ATM fees |
| Карта | Yes — debit Mastercard | Yes — Visa debit (region-dependent) |
| Доступность | United Kingdom | EEA + global transfers |
| Валюты | GBP (EUR/USD business accounts) | 20+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (EMI) |
| Основан | 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Минусы
- 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.
Плюсы
- Very low transfer and account fees
- Free multi-currency IBAN
- Strong for freelancers and small businesses
Минусы
- Interface feels dated
- Support is mainly online
- Card availability varies by country
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.