MuchBetter vs Skrill
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | MuchBetter | Skrill |
|---|---|---|
| Note | 3.7 / 5 | 3.6 / 5 |
| Idéal pour | Mobile deposits & withdrawals | International online payments |
| Frais mensuels | No standard monthly fee | Free; EUR 5/mo after 6 months without a login or transaction |
| Taux de change | ~0.99% on major currencies | 4.49% (Skrill reference rate) |
| Envoyer / recevoir | Free P2P; free SEPA/bank top-ups | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Retraits | ~2% to bank; ~0.99% ATM | 1.75% to a bank account (min EUR 3.50) |
| Carte | Yes — Mastercard plus contactless wearables | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Disponibilité | Most countries (excl. US) | 120+ countries |
| Devises | Multiple major currencies | Multiple currency balances |
| Réglementation | UK FCA (e-money institution) | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Création | 2017 | 2001 |
MuchBetter
MuchBetter is an FCA-regulated, mobile-first e-wallet built around fast mobile deposits and withdrawals, with a slick app, low ~0.99% FX and novel contactless wearables. Free SEPA top-ups and P2P keep costs down, though card-funding fees can climb toward 5% in some markets and it is unavailable in the US. A strong pick for mobile-centric users.
Avantages
- Mobile-first app with dynamic security code
- Low ~0.99% FX on major currencies
- Free SEPA top-ups and P2P transfers
Inconvénients
- Card deposit fees can reach ~1.5–5%
- Not available in the US
- Narrower coverage than Skrill
Skrill
Skrill is a Paysafe e-wallet built for paying online merchants and trading platforms, with several currency balances and an optional prepaid Mastercard. Fees are its weak spot next to neobanks: a 4.49% FX fee, 2.99% to send money to other users and 1.75% (min EUR 3.50) to withdraw to a bank, plus EUR 5 a month after six months of inactivity. Use it where a merchant asks for Skrill, not as your multi-currency account.
Avantages
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Inconvénients
- 4.49% FX fee is high next to neobanks
- EUR 5/mo inactivity fee after 6 months
- 1.75% bank withdrawal fee (min EUR 3.50)
En résumé
Globalement, MuchBetter prend l'avantage avec une note de 3.7 contre 3.6 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.