Starling Bank vs ZEN.com
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Starling Bank | ZEN.com |
|---|---|---|
| Puntuación | 4.5 / 5 | 3.6 / 5 |
| Ideal para | Free UK personal and business banking | Everyday spending with cashback |
| Comisión mensual | Free personal account | Free plan; paid premium tiers |
| Tipo de cambio | Mastercard rate, no Starling fee on card payments | Markup over ZEN rate, lower on paid plans (see ZEN fee page) |
| Enviar / recibir | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free ZEN-to-ZEN |
| Retiradas | No Starling fee in the UK or abroad (£300 a day abroad) | Free ATM allowance by plan, then a % fee |
| Tarjeta | Yes — debit Mastercard | Yes — virtual & physical Mastercard |
| Disponibilidad | United Kingdom (residents aged 16+) | Countries listed by ZEN (check zen.com) |
| Divisas | GBP + optional euro account (USD for limited companies only) | Multiple currencies (see ZEN fee page) |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | UAB ZEN.COM, electronic money institution supervised by the Bank of Lithuania |
| Fundación | 2014 | 2019 |
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
ZEN.com
ZEN.com is a Lithuanian, EEA-licensed money app offering a multi-currency account, virtual and physical Mastercards, cashback and an extended buyer-protection feature. It is a capable everyday-spending option in Europe, with the best rates and perks gated behind paid tiers and a relatively young brand.
Pros
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Contras
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
En resumen
En conjunto, Starling Bank se adelanta con una puntuación de 4.5 frente a 3.6, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.