Starling Bank vs Revolut
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Revolut |
|---|---|---|
| Оценка | 4.5 / 5 | 4.4 / 5 |
| Лучше всего для | Free UK personal and business banking | Travel spending and an all-in-one app |
| Ежемесячная комиссия | Free personal account | Free to ~$16.99/mo (Standard→Metal) |
| Курс обмена | Mastercard rate, no markup | Mid-market weekdays; ~1% weekend on Standard |
| Отправка / получение | Free UK transfers | Free between Revolut users |
| Выводы средств | Free in the UK and abroad | Free up to a monthly limit, then ~2% |
| Карта | Yes — debit Mastercard | Yes — virtual & physical debit; Metal on premium |
| Доступность | United Kingdom | 40+ markets; cards usable in 160+ countries |
| Валюты | GBP (EUR/USD business accounts) | 30+ in-app (spend in 120+) |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (ECB), UK banking licence, FCA |
| Основан | 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.
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
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.
Плюсы
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Минусы
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 4.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.