Starling Bank vs ZEN.com
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | ZEN.com |
|---|---|---|
| Оценка | 4.5 / 5 | 3.6 / 5 |
| Лучше всего для | Free UK personal and business banking | Everyday spending with cashback |
| Ежемесячная комиссия | Free personal account | Free plan; paid premium tiers |
| Курс обмена | Mastercard rate, no Starling fee on card payments | Markup over ZEN rate, lower on paid plans (see ZEN fee page) |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | Free ZEN-to-ZEN |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | Free ATM allowance by plan, then a % fee |
| Карта | Yes — debit Mastercard | Yes — virtual & physical Mastercard |
| Доступность | United Kingdom (residents aged 16+) | Countries listed by ZEN (check zen.com) |
| Валюты | GBP + optional euro account (USD for limited companies only) | Multiple currencies (see ZEN fee page) |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UAB ZEN.COM, electronic money institution supervised by the Bank of Lithuania |
| Основан | 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.
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
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.
Плюсы
- Multi-currency account with Mastercard
- Cashback on eligible purchases
- Extended buyer-protection feature
Минусы
- Best perks require paid tiers
- Support can be slow
- Newer, less-established brand
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.6 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.