Vivid vs Starling Bank
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Vivid | Starling Bank |
|---|---|---|
| Note | 3.8 / 5 | 4.5 / 5 |
| Idéal pour | Cashback, saving and investing in one app | Free UK personal and business banking |
| Frais mensuels | Free plan → paid Prime | Free personal account |
| Taux de change | Interbank on weekdays (limits apply) | Mastercard rate, no markup |
| Envoyer / recevoir | Free SEPA transfers | Free UK transfers |
| Retraits | Free ATM up to a cap, then fee | Free in the UK and abroad |
| Carte | Yes — Visa debit (metal on premium) | Yes — debit Mastercard |
| Disponibilité | Several EU markets | United Kingdom |
| Devises | EUR + multi-currency pockets | GBP (EUR/USD business accounts) |
| Réglementation | BaFin via partner bank (Solaris); EEA | UK PRA/FCA full banking licence (FSCS protected) |
| Création | 2020 | 2014 |
Vivid
Vivid is a Berlin-based money app combining a multi-currency account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though the strongest perks sit behind its Prime plan and it operates through partner bank Solaris across a limited set of EU markets.
Avantages
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Inconvénients
- Best features on the paid Prime plan
- Relies on a partner bank (Solaris)
- Available only in some EU markets
Starling Bank
Starling Bank is a fully licensed UK app bank with FSCS-protected deposits, no fees on overseas spending or ATM withdrawals, interest on balances 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
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Inconvénients
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
En résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 3.8 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.