Starling Bank vs Skrill
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Starling Bank | Skrill |
|---|---|---|
| Puntuación | 4.5 / 5 | 3.6 / 5 |
| Ideal para | Free UK personal and business banking | International online payments |
| Comisión mensual | Free personal account | Free; EUR 5/mo inactivity after 12 months |
| Tipo de cambio | Mastercard rate, no markup | Up to 3.99% |
| Enviar / recibir | Free UK transfers | Free to other Skrill users |
| Retiradas | Free in the UK and abroad | Varies by method |
| Tarjeta | Yes — debit Mastercard | Yes — prepaid Mastercard (region-dependent) |
| Disponibilidad | United Kingdom | 120+ countries |
| Divisas | GBP (EUR/USD business accounts) | 40+ currencies |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (Paysafe Group) |
| Fundación | 2014 | 2001 |
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.
Pros
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Contras
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
Skrill
Skrill is a long-established Paysafe-owned e-wallet popular for online payments, trading and cross-border transfers, holding 40+ currencies with optional crypto and a prepaid Mastercard. It scores well on acceptance and features but its FX markup (up to 3.99%) and assorted withdrawal/inactivity fees make it pricier than newer neobanks. A solid choice where merchant acceptance matters more than cost.
Pros
- Widely accepted by online merchants and trading platforms
- Buy/sell crypto in-wallet
- Holds 40+ currencies
Contras
- FX markup up to 3.99% is high vs neobanks
- EUR 5/mo inactivity fee after 12 months
- Withdrawal fees vary and add up
En resumen
En conjunto, Starling Bank se adelanta con una puntuación de 4.5 frente a 3.6, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.