Updated September 28, 2026 · VaultCue Editorial Team
PayPal Kenya vs Skrill
Skrill
PayPal Kenya
Higher score in this comparison
What sets them apart
| Compare | PayPal KenyaReviewSee alternativesSee alternatives | SkrillReviewVisitVisit |
|---|---|---|
| Transfer fee | 4.99 USD per international personal transfer from PayPal balance or bank account; 4.99 USD + 3.4% + fixed fee if funded by card; free for domestic transfers | Skrill to Skrill 2.99% (min EUR 0.50); Skrill Money Transfer by bank transfer zero fees; international transfer up to 4.99% incl. exchange rate mark-up |
| Exchange rate markup | 3% to 4%Lower | 4.99% |
| Delivery time | In just a few minutes | 24 - 72 hours |
| Payout methods | Bank, Wallet | Bank, Card, WalletCovers more |
| Currencies | 25 | 47Higher |
| Fee to send 1,000 | $4.99 | €0 |
| Licence type | Not confirmed | E money |
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Key differences
- Founded is lower at PayPal Kenya: 1998 vs 2001.
- Skrill is available in 3 more countries.
- Exchange rate markup is lower at PayPal Kenya: 3% to 4% vs 4.99%.
- Payout methods: only Skrill offers Card.
- Currencies is higher at Skrill: 47 vs 25.
- Support channels: only Skrill offers Email, Phone.
Our verdict on each
PayPal Kenya
PayPal Kenya suits people who already hold a balance and want money to land In just a few minutes in a bank account or wallet. Costs are the weaker side: an exchange rate margin of 3% to 4% and a card surcharge on $4.99 per international transfer limit its use abroad.
Skrill
Skrill suits expats, travellers and businesses who want many currencies and no monthly charge, with the monthly fee at €0 and 47 currencies. The trade-off is the pace and cost of moving money: international transfers land in 24 - 72 hours and conversion costs 3.99% on top.
Score breakdown
| Area | PayPal Kenya | Skrill |
|---|---|---|
| Cost | 8.5Exchange rate margin of 3% to 4% sits above the market median of 0.9%, and card funding stacks a percentage on $4.99. | 8.7HigherCost is the weak side: 3.99% to convert, a fee set on the amount sent for transfers, and a mark-up of 4.99% on international ones. |
| Offer | 8.7Money reaches the recipient In just a few minutes and lands in a bank and wallet account, across 25 currencies. | 9.6HigherOffer is strong: 47 currencies, EU deposit protection of EU DGS up to EUR 100,000 and support on help centre, email and phone. |
| Trust | 9.6Higher | 8.9 |
Pick PayPal Kenya if, pick Skrill if
Pick PayPal Kenya if trust and exchange rate markup matter most.
Pick Skrill if offer, payout methods, and currencies matter most.
What it costs in practice
Send 1,000 abroad: exchange-rate markup
PayPal Kenya
30 to 40
3% to 4% of 1,000
Skrill
49.9
4.99% of 1,000
PayPal Kenya comes out 19.9 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | PayPal Kenya | Skrill |
|---|---|---|
| Money transfer services | 265 of 1564 | 4 of 1564 |
Where these facts come from
PayPal Kenya
- paypal.com: 7 facts, checked September 26, 2026
- en.wikipedia.org: 3 facts, checked September 26, 2026
Skrill
- skrill.com: 8 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | PayPal Kenya | Skrill |
|---|---|---|
| Legal entity | PayPal Pte. Ltd. | Paysafe Payment Solutions Limited |
| Headquarters | United States | Ireland |
| Founded | 1998Lower | 2001 |
| Support channels | Help centre | Help centre, Email, PhoneCovers more |
Where each stands against the rest
| Fact | PayPal Kenya | Skrill | Median |
|---|---|---|---|
| Exchange rate markup | 3% to 4%highest quarter | 4.99%highest quarter | 0.64 |
| Currencies | 25highest quarter | 47highest quarter | 6 |
Median across 497 listed accounts.
Pros and cons
PayPal Kenya
Pros
- Money arrives In just a few minutes, so a send rarely holds up a payment.
- Payouts land in a bank account or a wallet, the two options under bank and wallet.
- Covers 25 currencies, above the 5 median across the services on the site.
Cons
- Card funding adds a percentage plus a fixed fee on top of $4.99 for the same international transfer.
- The exchange rate margin of 3% to 4% sits well above the 0.9% median across the market, so cross-border amounts land lighter than sent.
- Support runs on help centre only, with no phone or live chat route listed for a stuck payment.
Skrill
Pros
- The monthly fee is €0, the same as Starling Personal Account Debit Card at £0, so the wallet costs nothing to keep open.
- The stated audience covers expats, travelers and business, so expats, travellers and businesses are the groups the service is built around.
- 47 currencies sit in one wallet, well above the site median of 5.
Cons
- Currency conversion costs 3.99%, against 0% at AXI Card Tarjeta y Credito and 0.5% at XTB.
- An exchange rate mark-up of 4.99% can be added to international transfers on top of the fee.
- The currency conversion fee ranking puts it at 297 out of 312, so exchange is the weak spot.
Who each suits
PayPal Kenya
Who it suits
- People already holding a PayPal balance who value speed over the sharpest exchange rate, since money arrives In just a few minutes.
- Anyone whose recipient can take payment into a bank account or a wallet, as bank and wallet sets out.
- Households sending money within Kenya, where the transfer fee is free on domestic transfers.
Who should look elsewhere
- PayPal Colombia, where the transfer fee from a balance or a linked bank account is a percentage, so the fixed $4.99 here is easier to budget.
- Skrill, whose bank transfers carry no transfer charge and whose card funding runs at a percentage, which suits card funded sends better.
- Paysera, where euro transfers to SEPA and Paysera users are free and other currency routes carry listed charges.
Skrill
Who it suits
- Expats and travellers who need to hold and send money in several currencies, with 47 available.
- Businesses paying suppliers abroad that want no monthly charge, since the monthly fee is €0.
- People who want help on a stuck transfer, since support covers help centre, email and phone.
Who should look elsewhere
- Readers who convert money often, since AXI Card Tarjeta y Credito charges 0% to convert against 3.99% here.
- People hunting for the lowest exchange cost, who would find XTB's 0.5% conversion fee easier to weigh.
Current offers
Skrill
Current offer
Bonus
Final Score: Up to EUR 10,000 every week
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Source, checked September 26, 2026
Country by country
| Country | PayPal Kenya | Skrill |
|---|---|---|
| Brazil | No | Yes |
| Ireland | No | Yes |
| Kenya | Yes | No |
| United Kingdom | No | Yes |
| United States | No | Yes |
Questions about each
PayPal Kenya
What does PayPal Kenya charge to send money abroad?+
An international personal transfer from a PayPal balance or a linked bank account costs $4.99. Funding the same payment with a card adds a percentage plus a fixed fee on top of that amount, so card funding is the costlier route. Transfers that stay within Kenya are free under the same fee schedule.
What is the exchange rate margin on PayPal Kenya?+
The exchange rate margin is 3% to 4%, taken on the amount being converted. The median margin across the services on the site is 0.9%, so the margin here is wide and applies on every cross-currency send, on top of any transfer fee.
Skrill
How much does it cost to keep a Skrill account?+
The monthly fee is €0 and the account is sold as no monthly fee, so holding the wallet costs nothing each month. A bank transfer through Skrill Money Transfer is free, while a transfer to another Skrill wallet takes a fee set on the amount sent and an international transfer can cost more.
What does it cost to change currency?+
Converting between currencies costs 3.99%, and an exchange rate mark-up of 4.99% can apply on international transfers on top. AXI Card Tarjeta y Credito lists 0% for conversion and XTB lists 0.5%, so a wallet holding a single currency costs far less to change.
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Related by the facts
Skrill
PayPal Kenya