Starling Bank vs Revolut
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Starling Bank | Revolut |
|---|---|---|
| Puntuación | 4.5 / 5 | 4.4 / 5 |
| Ideal para | Free UK personal and business banking | Travel spending and an all-in-one app |
| Comisión mensual | Free personal account | Free to ~$16.99/mo (Standard→Metal) |
| Tipo de cambio | Mastercard rate, no markup | Mid-market weekdays; ~1% weekend on Standard |
| Enviar / recibir | Free UK transfers | Free between Revolut users |
| Retiradas | Free in the UK and abroad | Free up to a monthly limit, then ~2% |
| Tarjeta | Yes — debit Mastercard | Yes — virtual & physical debit; Metal on premium |
| Disponibilidad | United Kingdom | 40+ markets; cards usable in 160+ countries |
| Divisas | GBP (EUR/USD business accounts) | 30+ in-app (spend in 120+) |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (ECB), UK banking licence, FCA |
| Fundación | 2014 | 2015 |
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.
Pros
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Contras
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Pros
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Contras
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
En resumen
En conjunto, Starling Bank se adelanta con una puntuación de 4.5 frente a 4.4, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.