Starling Bank vs Vivid
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | Vivid |
|---|---|---|
| Note | 4.5 / 5 | 3.8 / 5 |
| Idéal pour | Free UK personal and business banking | Cashback, saving and investing in one app |
| Frais mensuels | Free personal account | Standard €4.90 (waivable); Plus €6.90; Prime €9.90 |
| Taux de change | Mastercard rate, no Starling fee on card payments | 1% over the Visa rate on non-euro card payments |
| Envoyer / recevoir | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free SEPA and instant SEPA; no SWIFT |
| Retraits | No Starling fee in the UK or abroad (£300 a day abroad) | €200 / €500 / €1,000 free a month, then 3% (min €1) |
| Carte | Yes — debit Mastercard | Yes — Visa debit (metal on premium) |
| Disponibilité | United Kingdom (residents aged 16+) | AT, CY, FR, DE, IT, LU, NL, PT, ES, CH |
| Devises | GBP + optional euro account (USD for limited companies only) | EUR (only supported retail currency) |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg) |
| Création | 2014 | 2020 |
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.
Avantages
- 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
Inconvénients
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Vivid
Vivid is a Berlin-founded money app combining a euro account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though Standard now costs €4.90 a month unless you keep €3,000 or spend €1,000 by card, non-euro payments cost 1%, and it is offered in a limited set of European markets by Vivid Money S.A., a Luxembourg e-money institution.
Avantages
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Inconvénients
- Standard costs €4.90 a month unless you meet the waiver
- 1% on every non-euro card payment
- Euro only: no other currencies or SWIFT
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 3.8 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.