Starling Bank vs Vivid
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Starling Bank | Vivid |
|---|---|---|
| Ocena | 4.5 / 5 | 3.8 / 5 |
| Najlepszy do | Free UK personal and business banking | Cashback, saving and investing in one app |
| Opłata miesięczna | Free personal account | Free plan → paid Prime |
| Kurs wymiany | Mastercard rate, no markup | Interbank on weekdays (limits apply) |
| Wysyłanie / odbiór | Free UK transfers | Free SEPA transfers |
| Wypłaty | Free in the UK and abroad | Free ATM up to a cap, then fee |
| Karta | Yes — debit Mastercard | Yes — Visa debit (metal on premium) |
| Dostępność | United Kingdom | Several EU markets |
| Waluty | GBP (EUR/USD business accounts) | EUR + multi-currency pockets |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | BaFin via partner bank (Solaris); EEA |
| Założono | 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, 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.
Zalety
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Wady
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Vivid
Vivid is a Berlin-based money app combining a multi-currency account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though the strongest perks sit behind its Prime plan and it operates through partner bank Solaris across a limited set of EU markets.
Zalety
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Wady
- Best features on the paid Prime plan
- Relies on a partner bank (Solaris)
- Available only in some EU markets
Podsumowanie
Ogólnie Starling Bank wysuwa się na prowadzenie z wynikiem 4.5 wobec 3.8 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.