Skrill vs MuchBetter
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Skrill | MuchBetter |
|---|---|---|
| Bewertung | 3.6 / 5 | 3.7 / 5 |
| Ideal für | International online payments | Mobile deposits & withdrawals |
| Monatsgebühr | Free; EUR 5/mo after 6 months without a login or transaction | No standard monthly fee |
| Wechselkurs | 4.49% (Skrill reference rate) | ~0.99% on major currencies |
| Senden / Empfangen | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion | Free P2P; free SEPA/bank top-ups |
| Auszahlungen | 1.75% to a bank account (min EUR 3.50) | ~2% to bank; ~0.99% ATM |
| Karte | Yes — prepaid Mastercard (EEA, UK, Gibraltar) | Yes — Mastercard plus contactless wearables |
| Verfügbarkeit | 120+ countries | Most countries (excl. US) |
| Währungen | Multiple currency balances | Multiple major currencies |
| Regulierung | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) | UK FCA (e-money institution) |
| Gegründet | 2001 | 2017 |
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.
Vorteile
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Nachteile
- 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)
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.
Vorteile
- Mobile-first app with dynamic security code
- Low ~0.99% FX on major currencies
- Free SEPA top-ups and P2P transfers
Nachteile
- Card deposit fees can reach ~1.5–5%
- Not available in the US
- Narrower coverage than Skrill
Das Fazit
Insgesamt liegt MuchBetter mit einer Bewertung von 3.7 gegenüber 3.6 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.