Starling Bank vs Volet
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | Volet |
|---|---|---|
| Note | 4.5 / 5 | 3.5 / 5 |
| Idéal pour | Free UK personal and business banking | Multi-currency wallet with prepaid cards |
| Frais mensuels | Free personal account | Free |
| Taux de change | Mastercard rate, no markup | Spread on conversions |
| Envoyer / recevoir | Free UK transfers | Free wallet-to-wallet; external 0.5–3.5% |
| Retraits | Free in the UK and abroad | SEPA ~EUR 1 flat; card/SWIFT vary |
| Carte | Yes — debit Mastercard | Yes — Visa/Mastercard prepaid (virtual & physical) |
| Disponibilité | United Kingdom | 150+ countries |
| Devises | GBP (EUR/USD business accounts) | 20+ fiat + major crypto |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | EEA registrations; lightly regulated globally |
| Création | 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.
Avantages
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Inconvénients
- 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.
Avantages
- Free internal wallet-to-wallet transfers
- Holds 20+ fiat currencies plus native crypto
- Prepaid cards for spending crypto/fiat
Inconvénients
- Light/unclear regulatory oversight
- High physical card issuance fee (~$90)
- External transfer fees up to 3.5%
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 3.5 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.