Starling Bank vs Skrill
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Starling Bank | Skrill |
|---|---|---|
| Оцінка | 4.5 / 5 | 3.6 / 5 |
| Найкраще для | Free UK personal and business banking | International online payments |
| Щомісячна комісія | Free personal account | Free; EUR 5/mo after 6 months without a login or transaction |
| Обмінний курс | Mastercard rate, no Starling fee on card payments | 4.49% (Skrill reference rate) |
| Надсилання / отримання | 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 |
| Виведення коштів | No Starling fee in the UK or abroad (£300 a day abroad) | 1.75% to a bank account (min EUR 3.50) |
| Картка | Yes — debit Mastercard | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Доступність | United Kingdom (residents aged 16+) | 120+ countries |
| Валюти | GBP + optional euro account (USD for limited companies only) | Multiple currency balances |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Засновано | 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.
Плюси
- 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
Мінуси
- 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.
Плюси
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Мінуси
- 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)
Підсумок
Загалом Starling Bank вириває перевагу з оцінкою 4.5 проти 3.6 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.