Starling Bank vs Skrill
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Starling Bank | Skrill |
|---|---|---|
| Bewertung | 4.5 / 5 | 3.6 / 5 |
| Ideal für | Free UK personal and business banking | International online payments |
| Monatsgebühr | Free personal account | Free; EUR 5/mo inactivity after 12 months |
| Wechselkurs | Mastercard rate, no markup | Up to 3.99% |
| Senden / Empfangen | Free UK transfers | Free to other Skrill users |
| Auszahlungen | Free in the UK and abroad | Varies by method |
| Karte | Yes — debit Mastercard | Yes — prepaid Mastercard (region-dependent) |
| Verfügbarkeit | United Kingdom | 120+ countries |
| Währungen | GBP (EUR/USD business accounts) | 40+ currencies |
| Regulierung | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (Paysafe Group) |
| Gegründet | 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.
Vorteile
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Nachteile
- 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.
Vorteile
- Widely accepted by online merchants and trading platforms
- Buy/sell crypto in-wallet
- Holds 40+ currencies
Nachteile
- FX markup up to 3.99% is high vs neobanks
- EUR 5/mo inactivity fee after 12 months
- Withdrawal fees vary and add up
Das Fazit
Insgesamt liegt Starling Bank mit einer Bewertung von 4.5 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.