Skrill Alternatives for E-Wallets and Money Transfers

Skrill is a digital wallet from Paysafe, used since 2001 for online payments, money transfers, crypto and a prepaid card. It is still running. Many readers leave because of fees, and they add up fast for anyone who converts currency. The Skrill USA fee page lists an FX fee of up to 3.99% on top of Skrill's own exchange rate, a 1.5% fee on instant bank withdrawals, and a $5 monthly charge once an account has gone 12 months without a login or transaction.

US users also face a newer cost. From August 17, 2026, Skrill USA charges the sender a 2.99% international transaction fee to send money to Skrill users outside the US. Money coming in has its own cost: when a US user receives funds in a foreign currency, converting them to USD carries the 3.99% FX fee. Skrill's site says US services can be viewed only on the Skrill USA website, so fees and features differ by country; check the version for where you live.

The right replacement depends on why you used Skrill: paying online merchants and gaming sites, sending money to family abroad, or getting paid by clients. Availability also varies; every service below checks at sign-up if it can serve your country, and fees on these pages are the base rates for one region.

Prices below are as of November 6, 2026. Our method is on How we review tools.

Quick comparison

Wise

Wise's main difference from Skrill is the exchange rate. Conversions use the mid-market rate, "the one you can check on Google", and the fee is shown up front, starting from 0.24% depending on the currency pair. Skrill adds up to 3.99% on top of its own rate.

The account also gives you local details to receive money in 22 currencies, plus Swift receipts in 19 more, and a debit card. On the UK pricing page, card payments are free and the first £250 of ATM withdrawals each month cost nothing.

Best for: People who send money across borders or hold several currencies and want to see the real rate.

Pricing:

• Account and holding money: free
• Sending and conversion: from 0.24%, varies by currency
• Card: £7 to get one, no subscription; ATM free up to £250 a month, then 2.69%
• Topping up an outside e-wallet with the card: 2%

Watch out for:

• Wise is a transfer account, not a wallet that merchant sites list at checkout, and using its card to top up an e-wallet costs 2%.
• Figures above are the UK page; fees and card prices differ in other countries.

Official site: Wise.

PayPal

PayPal covers the checkout side of Skrill at the many shops that already take it. In the US, sending to friends and family from a PayPal balance or a bank account is free, and standard transfers to your bank are free when no currency changes.

Costs appear when you use a card or cross a border. The US consumer fee page lists 2.90% plus a fixed fee for card-funded payments, and 5% for international personal transfers, with a minimum of $0.99 and a maximum of $4.99.

Best for: US shoppers and people who pay friends in the same country.

Pricing:

• Domestic personal payment (US) from balance or bank: no fee; by card: 2.90% plus a fixed fee
• International personal payment: 5%, min $0.99, max $4.99, plus the domestic fee
• Currency conversion: 4.00% spread on transfers, 3.00% on other transactions
• Instant transfer to bank: 1.75%, min $0.25, max $25

Watch out for:

• The 4% conversion spread is about the same as Skrill's 3.99% FX fee, so PayPal is not cheaper for currency exchange.

Official site: PayPal.

Revolut

Revolut works like a bank account in an app, with a card, multiple currency balances and in-app transfers. On the free Standard plan, Revolut's fees page allows £1,000 of currency exchange a month with no exchange fee, enough for occasional travel spending.

ATM use is free for five withdrawals or £200 in a rolling month, whichever comes first. International payments outside the SEPA area carry a fee that the app calculates in real time and shows before you pay.

Best for: Everyday spending and small conversions from one app, mainly in the UK and Europe.

Pricing:

• Standard plan: free
• Exchange: free up to £1,000 a month, then a 1% fair usage fee
• ATM: free up to 5 withdrawals or £200 a month, then 2% (min £1)
• First card: free, delivery fee shown in the app

Watch out for:

• The £1,000 exchange cap includes crypto and commodities, so active users hit the 1% fee quickly.
• International transfer fees outside SEPA are not printed as a fixed figure; you only see them in the app.

Official site: Revolut.

Payoneer

Payoneer is the pick when Skrill was mainly how clients paid you. It gives receiving accounts in local currencies, and payments into a local-currency account or from another Payoneer balance are free. Clients who pay by card are charged up to 3.99% plus $0.49.

Getting money out to your bank costs $1.50 for same-currency withdrawals, or 1.2% to 4% when currencies differ. Moving funds between your own Payoneer balances costs 0.50%, per the fee page.

Best for: Freelancers, agencies and marketplace sellers who get paid from abroad several times a year.

Pricing:

• Receiving into a local-currency account or from Payoneer: free; non-local currency: 1% (min $1)
• Withdrawal to bank, same currency: $1.50; with conversion: 1.2% to 4%
• Annual account fee: $29.95 if you receive less than $6,000 in 12 months
• Card: $29.95 a year; ATM cash $3.15 plus up to 1.8%

Watch out for:

• Light users pay to stay: under $6,000 a year in receipts triggers the $29.95 annual fee.
• It is built for receiving business payments, not for paying merchants the way Skrill is used.

Official site: Payoneer.

Neteller

Paysafe also owns Neteller, and it is the most Skrill-like option here. It is aimed at the same kind of merchant sites, and the fee page lists 0% to withdraw to merchant sites and free receipts from other users.

The fees are not lower. Sending to another Neteller user costs 2.99% on Standard, or 1.45% on the Neteller True tier, with a $0.50 minimum. Deposits by card cost 2.5% in most countries, and a bank withdrawal is a flat $10.

Best for: Skrill users who mainly pay and withdraw on gaming, betting or trading sites that list Neteller.

Pricing:

• Send to Neteller user: 2.99% (Standard) or 1.45% (True), min $0.50
• Deposits: 2.5% for most methods, 0% to 1% for some local bank methods
• Withdrawals: bank transfer $10, member wire $12.75, to Skrill 3.49%
• FX fee: 4.49%

Watch out for:

• The 4.49% FX fee is higher than Skrill's US rate of up to 3.99%.
• Inactivity bites sooner: the $5 monthly fee starts after 6 months without a login or transaction, versus 12 at Skrill USA.

Official site: Neteller.

Jeton

Jeton is an e-wallet that leans on local payment methods. Its fee page lists free deposits by local bank transfer in EUR and GBP, and by Blik, Bancontact, iDeal, Swish, Twint, Apple Pay and Google Pay in several currencies. Receiving is free in every row shown.

The Jeton Card comes in virtual and physical versions for the UK, Europe and Japan. Card payments carry no per-transaction fee in pounds or foreign currency, and UK cash withdrawals cost 0.5%.

Best for: European users who top up with a local bank method and pay sites that accept Jeton.

Pricing:

• Deposits: free for local bank transfer and several local methods; 2.5% to 5% by card; 6.5% via PayPal
• Virtual card: 0.99 USD or EUR; physical card: 39.99 USD or EUR
• Cash withdrawal: 0.5% in the UK, 0.5% plus 2% outside the UK

Watch out for:

• Jeton does not publish currency exchange, inactivity or user-to-user transfer fees, so ask support before you rely on them.
• Fee rows vary by country and amount, which makes the true cost hard to read in advance.

Official site: Jeton.

How to choose

When to stay with Skrill

Skrill still makes sense if the sites you use list it as a payment or withdrawal method and you keep everything in one currency. In the US, card and bank deposits are free and sending to other US Skrill users costs nothing. Log in at least once a year to avoid the $5 monthly inactivity charge, and look at another option once you start converting currency often.

Frequently asked questions