Starling Bank vs Volet
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Starling Bank | Volet |
|---|---|---|
| Bewertung | 4.5 / 5 | 3.5 / 5 |
| Ideal für | Free UK personal and business banking | Multi-currency wallet with prepaid cards |
| Monatsgebühr | Free personal account | Free |
| Wechselkurs | Mastercard rate, no markup | Spread on conversions |
| Senden / Empfangen | Free UK transfers | Free wallet-to-wallet; external 0.5–3.5% |
| Auszahlungen | Free in the UK and abroad | SEPA ~EUR 1 flat; card/SWIFT vary |
| Karte | Yes — debit Mastercard | Yes — Visa/Mastercard prepaid (virtual & physical) |
| Verfügbarkeit | United Kingdom | 150+ countries |
| Währungen | GBP (EUR/USD business accounts) | 20+ fiat + major crypto |
| Regulierung | UK PRA/FCA full banking licence (FSCS protected) | EEA registrations; lightly regulated globally |
| Gegründet | 2014 | 2014 |
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.
Vorteile
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Nachteile
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Volet
Volet (formerly AdvCash) is a versatile multi-currency e-wallet that blends fiat and crypto with prepaid cards and free internal transfers. It suits crypto-savvy users in 150+ countries, though external fees and a relatively light regulatory profile are worth weighing.
Vorteile
- Free internal wallet-to-wallet transfers
- Holds 20+ fiat currencies plus native crypto
- Prepaid cards for spending crypto/fiat
Nachteile
- Light/unclear regulatory oversight
- High physical card issuance fee (~$90)
- External transfer fees up to 3.5%
Das Fazit
Insgesamt liegt Starling Bank mit einer Bewertung von 4.5 gegenüber 3.5 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.