Starling Bank vs Venmo
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Starling Bank | Venmo |
|---|---|---|
| Ocena | 4.5 / 5 | 4.1 / 5 |
| Najlepszy do | Free UK personal and business banking | Splitting bills with US friends |
| Opłata miesięczna | Free personal account | Free |
| Kurs wymiany | Mastercard rate, no Starling fee on card payments | N/A (US-only) |
| Wysyłanie / odbiór | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free from balance/bank/debit; instant 1.75% |
| Wypłaty | No Starling fee in the UK or abroad (£300 a day abroad) | Standard free; instant 1.75% |
| Karta | Yes — debit Mastercard | Yes — Venmo Visa debit (and a Visa credit card) |
| Dostępność | United Kingdom (residents aged 16+) | United States only |
| Waluty | GBP + optional euro account (USD for limited companies only) | USD |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (MSB), US state licences; PayPal-owned |
| Założono | 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, an optional euro account 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.
Zalety
- Full UK bank, FSCS-protected deposits up to £120,000
- No Starling fees on overseas spending or ATM withdrawals
- Euro account with its own IBAN, no monthly fee
Wady
- 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.
Zalety
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Wady
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
Podsumowanie
Ogólnie Starling Bank wysuwa się na prowadzenie z wynikiem 4.5 wobec 4.1 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.