Starling Bank vs Revolut
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Starling Bank | Revolut |
|---|---|---|
| Оцінка | 4.5 / 5 | 4.4 / 5 |
| Найкраще для | Free UK personal and business banking | Travel spending and an all-in-one app |
| Щомісячна комісія | Free personal account | Free to ~$16.99/mo (Standard→Metal) |
| Обмінний курс | Mastercard rate, no markup | Mid-market weekdays; ~1% weekend on Standard |
| Надсилання / отримання | Free UK transfers | Free between Revolut users |
| Виведення коштів | Free in the UK and abroad | Free up to a monthly limit, then ~2% |
| Картка | Yes — debit Mastercard | Yes — virtual & physical debit; Metal on premium |
| Доступність | United Kingdom | 40+ markets; cards usable in 160+ countries |
| Валюти | GBP (EUR/USD business accounts) | 30+ in-app (spend in 120+) |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (ECB), UK banking licence, FCA |
| Засновано | 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.
Плюси
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Мінуси
- 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.
Плюси
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Мінуси
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 4.4 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.