Starling Bank vs Payz
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Payz |
|---|---|---|
| Оценка | 4.5 / 5 | 3.5 / 5 |
| Лучше всего для | Free UK personal and business banking | Established multi-currency wallet for gaming |
| Ежемесячная комиссия | Free personal account | No standard monthly fee |
| Курс обмена | Mastercard rate, no markup | ~2.99% standard tier |
| Отправка / получение | Free UK transfers | Free P2P from Gold VIP up |
| Выводы средств | Free in the UK and abroad | Varies by method & VIP tier |
| Карта | Yes — debit Mastercard | Yes — Mastercard (Silver VIP tier and above) |
| Доступность | United Kingdom | 180+ countries |
| Валюты | GBP (EUR/USD business accounts) | 45+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (PSI-Pay Ltd) |
| Основан | 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.
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
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.
Плюсы
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Минусы
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.5 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.