Starling Bank vs Skrill

Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.

Nuestra elección Starling Bank logo

Starling Bank

4.5

UK bank with strong business accounts

Visitar Starling Bank
Skrill logo

Skrill

3.6

Global e-wallet for online payments

Visitar Skrill
FunciónStarling BankSkrill
Puntuación4.5 / 53.6 / 5
Ideal paraFree UK personal and business bankingInternational online payments
Comisión mensualFree personal accountFree; EUR 5/mo inactivity after 12 months
Tipo de cambioMastercard rate, no markupUp to 3.99%
Enviar / recibirFree UK transfersFree to other Skrill users
RetiradasFree in the UK and abroadVaries by method
TarjetaYes — debit MastercardYes — prepaid Mastercard (region-dependent)
DisponibilidadUnited Kingdom120+ countries
DivisasGBP (EUR/USD business accounts)40+ currencies
RegulaciónUK PRA/FCA full banking licence (FSCS protected)UK FCA (Paysafe Group)
Fundación20142001

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.