Starling Bank vs Zelle
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Zelle |
|---|---|---|
| Оценка | 4.5 / 5 | 3.9 / 5 |
| Лучше всего для | Free UK personal and business banking | Instant payments between US bank accounts |
| Ежемесячная комиссия | Free personal account | Free |
| Курс обмена | Mastercard rate, no Starling fee on card payments | N/A (US) |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free bank-to-bank |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | N/A — funds go straight to your bank |
| Карта | Yes — debit Mastercard | No — works inside your bank's app |
| Доступность | United Kingdom (residents aged 16+) | United States |
| Валюты | GBP + optional euro account (USD for limited companies only) | USD |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Operated by Early Warning Services (US banks) |
| Основан | 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.
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
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.
Плюсы
- Free, instant transfers between US banks
- Built into most US banking apps
- No separate account or app needed
Минусы
- US-only
- No buyer or payment protection
- No balance, card or wallet of its own
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.9 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.