Starling Bank vs Skrill
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Starling Bank | Skrill |
|---|---|---|
| Note | 4.5 / 5 | 3.6 / 5 |
| Idéal pour | Free UK personal and business banking | International online payments |
| Frais mensuels | Free personal account | Free; EUR 5/mo inactivity after 12 months |
| Taux de change | Mastercard rate, no markup | Up to 3.99% |
| Envoyer / recevoir | Free UK transfers | Free to other Skrill users |
| Retraits | Free in the UK and abroad | Varies by method |
| Carte | Yes — debit Mastercard | Yes — prepaid Mastercard (region-dependent) |
| Disponibilité | United Kingdom | 120+ countries |
| Devises | GBP (EUR/USD business accounts) | 40+ currencies |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | UK FCA (Paysafe Group) |
| Création | 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.
Avantages
- Full UK bank, FSCS-protected deposits
- No fees on overseas spending or ATM withdrawals
- Excellent free business accounts
Inconvénients
- 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.
Avantages
- Widely accepted by online merchants and trading platforms
- Buy/sell crypto in-wallet
- Holds 40+ currencies
Inconvénients
- 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 résumé
Globalement, Starling Bank prend l'avantage avec une note de 4.5 contre 3.6 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.