Starling Bank vs Volet
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Starling Bank | Volet |
|---|---|---|
| Оцінка | 4.5 / 5 | 3.5 / 5 |
| Найкраще для | Free UK personal and business banking | Multi-currency wallet with prepaid cards |
| Щомісячна комісія | Free personal account | Free |
| Обмінний курс | Mastercard rate, no Starling fee on card payments | Spread on conversions |
| Надсилання / отримання | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free wallet-to-wallet; external 0.5–3.5% |
| Виведення коштів | No Starling fee in the UK or abroad (£300 a day abroad) | SEPA ~EUR 1 flat; card/SWIFT vary |
| Картка | Yes — debit Mastercard | Yes — Visa/Mastercard prepaid (virtual & physical) |
| Доступність | United Kingdom (residents aged 16+) | 150+ countries |
| Валюти | GBP + optional euro account (USD for limited companies only) | 20+ fiat + major crypto |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | EEA registrations; lightly regulated globally |
| Засновано | 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, 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.
Плюси
- 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
Мінуси
- 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.
Плюси
- Free internal wallet-to-wallet transfers
- Holds 20+ fiat currencies plus native crypto
- Prepaid cards for spending crypto/fiat
Мінуси
- Light/unclear regulatory oversight
- High physical card issuance fee (~$90)
- External transfer fees up to 3.5%
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 3.5 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.