Starling Bank vs Payz
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Starling Bank | Payz |
|---|---|---|
| Bewertung | 4.5 / 5 | 3.5 / 5 |
| Ideal für | Free UK personal and business banking | Established multi-currency wallet for gaming |
| Monatsgebühr | Free personal account | No standard monthly fee |
| Wechselkurs | Mastercard rate, no markup | ~2.99% standard tier |
| Senden / Empfangen | Free UK transfers | Free P2P from Gold VIP up |
| Auszahlungen | Free in the UK and abroad | Varies by method & VIP tier |
| Karte | Yes — debit Mastercard | Yes — Mastercard (Silver VIP tier and above) |
| Verfügbarkeit | United Kingdom | 180+ countries |
| Währungen | GBP (EUR/USD business accounts) | 45+ currencies |
| Regulierung | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (PSI-Pay Ltd) |
| Gegründet | 2014 | 2000 |
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.
Vorteile
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Nachteile
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Payz
Payz is the rebrand of ecoPayz, one of the oldest e-wallets (since 2000), run by FCA-regulated PSI-Pay and offering 45+ currencies worldwide with a Mastercard and a tiered VIP programme. Its standout is a ~2.99% FX rate, undercutting Skrill and Neteller, though the best perks and the card are gated behind VIP tiers. A dependable, slightly cheaper alternative for everyday multi-currency use.
Vorteile
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Nachteile
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
Das Fazit
Insgesamt liegt Starling Bank mit einer Bewertung von 4.5 gegenüber 3.5 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.