Starling Bank vs Paytm
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Starling Bank | Paytm |
|---|---|---|
| Skóre | 4.5 / 5 | 3.9 / 5 |
| Nejlepší pro | Free UK personal and business banking | UPI payments & bill pay in India |
| Měsíční poplatek | Free personal account | Free |
| Směnný kurz | Mastercard rate, no Starling fee on card payments | N/A (domestic) |
| Odeslat / přijmout | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | UPI P2P free; wallet top-up fees vary |
| Výběry | No Starling fee in the UK or abroad (£300 a day abroad) | Wallet-to-bank may carry a small fee |
| Karta | Yes — debit Mastercard | Yes — co-branded debit/credit via partner banks |
| Dostupnost | United Kingdom (residents aged 16+) | India (primarily) |
| Měny | GBP + optional euro account (USD for limited companies only) | INR |
| Regulace | UK PRA/FCA full banking licence (FSCS protected) | RBI / NPCI; One97 Communications |
| Založeno | 2014 | 2010 |
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
Paytm
Paytm is one of India's pioneering payment super-apps, offering free UPI transfers, wide QR merchant acceptance, bill payments, ticketing and investing in a single app. It has faced significant RBI regulatory setbacks, including the cancellation of Paytm Payments Bank, which weigh on trust. A capable all-in-one option for users in India.
Klady
- Hundreds of millions of users in India
- Free UPI peer-to-peer transfers
- Broad merchant QR acceptance & Soundbox
Zápory
- Essentially India-only
- Hit by RBI actions (Payments Bank licence cancelled)
- Some wallet top-up & transfer fees
Závěr
Celkově se Starling Bank dostává mírně dopředu se skóre 4.5 oproti 3.9 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.