Starling Bank vs Zelle
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Starling Bank | Zelle |
|---|---|---|
| Оцінка | 4.5 / 5 | 3.9 / 5 |
| Найкраще для | Free UK personal and business banking | Instant payments between US bank accounts |
| Щомісячна комісія | Free personal account | Free |
| Обмінний курс | Mastercard rate, no Starling fee on card payments | N/A (US) |
| Надсилання / отримання | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free bank-to-bank |
| Виведення коштів | No Starling fee in the UK or abroad (£300 a day abroad) | N/A — funds go straight to your bank |
| Картка | Yes — debit Mastercard | No — works inside your bank's app |
| Доступність | United Kingdom (residents aged 16+) | United States |
| Валюти | GBP + optional euro account (USD for limited companies only) | USD |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Operated by Early Warning Services (US banks) |
| Засновано | 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.
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
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.
Плюси
- Free, instant transfers between US banks
- Built into most US banking apps
- No separate account or app needed
Мінуси
- US-only
- No buyer or payment protection
- No balance, card or wallet of its own
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 3.9 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.