Starling Bank vs Volet
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Volet |
|---|---|---|
| Оценка | 4.5 / 5 | 3.5 / 5 |
| Лучше всего для | Free UK personal and business banking | Multi-currency wallet with prepaid cards |
| Ежемесячная комиссия | Free personal account | Free |
| Курс обмена | Mastercard rate, no markup | Spread on conversions |
| Отправка / получение | Free UK transfers | Free wallet-to-wallet; external 0.5–3.5% |
| Выводы средств | Free in the UK and abroad | SEPA ~EUR 1 flat; card/SWIFT vary |
| Карта | Yes — debit Mastercard | Yes — Visa/Mastercard prepaid (virtual & physical) |
| Доступность | United Kingdom | 150+ countries |
| Валюты | GBP (EUR/USD business accounts) | 20+ fiat + major crypto |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | EEA registrations; lightly regulated globally |
| Основан | 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.
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
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.
Плюсы
- Free internal wallet-to-wallet transfers
- Holds 20+ fiat currencies plus native crypto
- Prepaid cards for spending crypto/fiat
Минусы
- Light/unclear regulatory oversight
- High physical card issuance fee (~$90)
- External transfer fees up to 3.5%
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.5 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.