Starling Bank vs Skrill
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Starling Bank | Skrill |
|---|---|---|
| Оценка | 4.5 / 5 | 3.6 / 5 |
| Лучше всего для | Free UK personal and business banking | International online payments |
| Ежемесячная комиссия | Free personal account | Free; EUR 5/mo after 6 months without a login or transaction |
| Курс обмена | Mastercard rate, no Starling fee on card payments | 4.49% (Skrill reference rate) |
| Отправка / получение | Free UK transfers; abroad 0.4% + £0.30–£5.50 delivery | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Выводы средств | No Starling fee in the UK or abroad (£300 a day abroad) | 1.75% to a bank account (min EUR 3.50) |
| Карта | Yes — debit Mastercard | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Доступность | United Kingdom (residents aged 16+) | 120+ countries |
| Валюты | GBP + optional euro account (USD for limited companies only) | Multiple currency balances |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Основан | 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, an optional euro account 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.
Плюсы
- Full UK bank, FSCS-protected deposits up to £120,000
- No Starling fees on overseas spending or ATM withdrawals
- Euro account with its own IBAN, no monthly fee
Минусы
- UK-only
- GBP-focused for personal accounts
- Fewer lifestyle perks than some rivals
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.
Плюсы
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Минусы
- 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)
Итог
В целом Starling Bank выходит вперёд с оценкой 4.5 против 3.6 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.