Starling Bank vs ZEN.com
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | ZEN.com |
|---|---|---|
| Note | 4.5 / 5 | 3.6 / 5 |
| Idéal pour | Free UK personal and business banking | Everyday spending with cashback |
| Frais mensuels | Free personal account | Free plan; paid premium tiers |
| Taux de change | Mastercard rate, no Starling fee on card payments | Markup over ZEN rate, lower on paid plans (see ZEN fee page) |
| Envoyer / recevoir | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free ZEN-to-ZEN |
| Retraits | No Starling fee in the UK or abroad (£300 a day abroad) | Free ATM allowance by plan, then a % fee |
| Carte | Yes — debit Mastercard | Yes — virtual & physical Mastercard |
| Disponibilité | United Kingdom (residents aged 16+) | Countries listed by ZEN (check zen.com) |
| Devises | GBP + optional euro account (USD for limited companies only) | Multiple currencies (see ZEN fee page) |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | UAB ZEN.COM, electronic money institution supervised by the Bank of Lithuania |
| Création | 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.
Avantages
- 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
Inconvénients
- 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.
Avantages
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Inconvénients
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 3.6 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.