Starling Bank vs Wallester
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Wallester |
|---|---|---|
| Оценка | 4.5 / 5 | 4.1 / 5 |
| Лучше всего для | Free UK personal and business banking | Businesses issuing expense & team cards |
| Ежемесячная комиссия | Free personal account | Free (Free plan) |
| Курс обмена | Mastercard rate, no Starling fee on card payments | 2% on foreign currency |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free plan + paid premium tiers |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | 2% on cash/ATM |
| Карта | Yes — debit Mastercard | Yes — Visa (virtual & physical, white-label) |
| Доступность | United Kingdom (residents aged 16+) | EEA-focused |
| Валюты | GBP + optional euro account (USD for limited companies only) | 10 currencies for exchange |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Estonian FSA; Visa Principal Member |
| Основан | 2014 | 2016 |
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.
Плюсы
- 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
Минусы
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Wallester
Wallester is an Estonian, Visa-principal-member platform offering free IBAN business accounts and up to 300 free virtual Visa cards with strong expense-management and accounting integrations. It is built for businesses rather than consumers, with 2% FX and ATM-withdrawal fees as the main cost considerations.
Плюсы
- Up to 300 free virtual Visa cards
- Free IBAN business account & expense controls
- Visa Principal Member, PCI DSS Level 1
Минусы
- 2% FX markup on foreign-currency spend
- 2% fee on cash/ATM withdrawals
- Geared to businesses, not consumers
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 4.1 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.