Vivid vs Starling Bank
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Vivid | Starling Bank |
|---|---|---|
| Оценка | 3.8 / 5 | 4.5 / 5 |
| Лучше всего для | Cashback, saving and investing in one app | Free UK personal and business banking |
| Ежемесячная комиссия | Free plan → paid Prime | Free personal account |
| Курс обмена | Interbank on weekdays (limits apply) | Mastercard rate, no markup |
| Отправка / получение | Free SEPA transfers | Free UK transfers |
| Выводы средств | Free ATM up to a cap, then fee | Free in the UK and abroad |
| Карта | Yes — Visa debit (metal on premium) | Yes — debit Mastercard |
| Доступность | Several EU markets | United Kingdom |
| Валюты | EUR + multi-currency pockets | GBP (EUR/USD business accounts) |
| Регулирование | BaFin via partner bank (Solaris); EEA | UK PRA/FCA full banking licence (FSCS protected) |
| Основан | 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.
Плюсы
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Минусы
- 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Минусы
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.