Starling Bank vs Zelle
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Starling Bank | Zelle |
|---|---|---|
| Puntuación | 4.5 / 5 | 3.9 / 5 |
| Ideal para | Free UK personal and business banking | Instant payments between US bank accounts |
| Comisión mensual | Free personal account | Free |
| Tipo de cambio | Mastercard rate, no Starling fee on card payments | N/A (US) |
| Enviar / recibir | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free bank-to-bank |
| Retiradas | No Starling fee in the UK or abroad (£300 a day abroad) | N/A — funds go straight to your bank |
| Tarjeta | Yes — debit Mastercard | No — works inside your bank's app |
| Disponibilidad | United Kingdom (residents aged 16+) | United States |
| Divisas | GBP + optional euro account (USD for limited companies only) | USD |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | Operated by Early Warning Services (US banks) |
| Fundación | 2014 | 2017 |
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.
Pros
- 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
Contras
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Zelle
Zelle is a US bank-to-bank payment network built into most American banking apps, moving money between accounts instantly and for free with no separate wallet. It is ideal for paying people you know within the US, but offers no payment protection, no balance or card of its own, and is a frequent target of scams.
Pros
- Free, instant transfers between US banks
- Built into most US banking apps
- No separate account or app needed
Contras
- US-only
- No buyer or payment protection
- No balance, card or wallet of its own
En resumen
En conjunto, Starling Bank se adelanta con una puntuación de 4.5 frente a 3.9, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.