Starling Bank vs Venmo
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Starling Bank | Venmo |
|---|---|---|
| Puntuación | 4.5 / 5 | 4.1 / 5 |
| Ideal para | Free UK personal and business banking | Splitting bills with US friends |
| Comisión mensual | Free personal account | Free |
| Tipo de cambio | Mastercard rate, no markup | N/A (US-only) |
| Enviar / recibir | Free UK transfers | Free from balance/bank/debit; instant 1.75% |
| Retiradas | Free in the UK and abroad | Standard free; instant 1.75% |
| Tarjeta | Yes — debit Mastercard | Yes — Venmo Visa debit (and a Visa credit card) |
| Disponibilidad | United Kingdom | United States only |
| Divisas | GBP (EUR/USD business accounts) | USD |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (MSB), US state licences; PayPal-owned |
| Fundación | 2014 | 2009 |
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
Venmo
Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed. Standard transfers are free, but instant cash-outs and credit-card funding carry fees, and it is strictly US-only. Best suited to American users who want a quick, familiar way to pay friends.
Pros
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Contras
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
En resumen
En conjunto, Starling Bank se adelanta con una puntuación de 4.5 frente a 4.1, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.