Starling Bank vs Venmo
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | Venmo |
|---|---|---|
| Note | 4.5 / 5 | 4.1 / 5 |
| Idéal pour | Free UK personal and business banking | Splitting bills with US friends |
| Frais mensuels | Free personal account | Free |
| Taux de change | Mastercard rate, no markup | N/A (US-only) |
| Envoyer / recevoir | Free UK transfers | Free from balance/bank/debit; instant 1.75% |
| Retraits | Free in the UK and abroad | Standard free; instant 1.75% |
| Carte | Yes — debit Mastercard | Yes — Venmo Visa debit (and a Visa credit card) |
| Disponibilité | United Kingdom | United States only |
| Devises | GBP (EUR/USD business accounts) | USD |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (MSB), US state licences; PayPal-owned |
| Création | 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.
Avantages
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Inconvénients
- 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.
Avantages
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Inconvénients
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 4.1 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.