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 | Standard €4.90 (waivable); Plus €6.90; Prime €9.90 | Free personal account |
| Курс обмена | 1% over the Visa rate on non-euro card payments | Mastercard rate, no Starling fee on card payments |
| Отправка / получение | Free SEPA and instant SEPA; no SWIFT | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery |
| Выводы средств | €200 / €500 / €1,000 free a month, then 3% (min €1) | No Starling fee in the UK or abroad (£300 a day abroad) |
| Карта | Yes — Visa debit (metal on premium) | Yes — debit Mastercard |
| Доступность | AT, CY, FR, DE, IT, LU, NL, PT, ES, CH | United Kingdom (residents aged 16+) |
| Валюты | EUR (only supported retail currency) | GBP + optional euro account (USD for limited companies only) |
| Регулирование | Vivid Money S.A., e-money institution regulated by the CSSF (Luxembourg) | UK PRA/FCA full banking licence (FSCS protected) |
| Основан | 2020 | 2014 |
Vivid
Vivid is a Berlin-founded money app combining a euro account, cashback, budgeting pockets and in-app investing in stocks, ETFs and crypto. It is feature-rich and well-designed, though Standard now costs €4.90 a month unless you keep €3,000 or spend €1,000 by card, non-euro payments cost 1%, and it is offered in a limited set of European markets by Vivid Money S.A., a Luxembourg e-money institution.
Плюсы
- Cashback and rewards on spending
- Invest in stocks, ETFs and crypto in-app
- Sub-accounts (pockets) for budgeting
Минусы
- Standard costs €4.90 a month unless you meet the waiver
- 1% on every non-euro card payment
- Euro only: no other currencies or SWIFT
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
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.