Starling Bank vs Venmo
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Venmo |
|---|---|---|
| Оценка | 4.5 / 5 | 4.1 / 5 |
| Лучше всего для | Free UK personal and business banking | Splitting bills with US friends |
| Ежемесячная комиссия | Free personal account | Free |
| Курс обмена | Mastercard rate, no markup | N/A (US-only) |
| Отправка / получение | Free UK transfers | Free from balance/bank/debit; instant 1.75% |
| Выводы средств | Free in the UK and abroad | Standard free; instant 1.75% |
| Карта | Yes — debit Mastercard | Yes — Venmo Visa debit (and a Visa credit card) |
| Доступность | United Kingdom | United States only |
| Валюты | GBP (EUR/USD business accounts) | USD |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (MSB), US state licences; PayPal-owned |
| Основан | 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.
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
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.
Плюсы
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Минусы
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 4.1 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.