Updated September 28, 2026 · VaultCue Editorial Team
Qonto Portugal Business Account vs Skrill
Qonto Portugal Business Account
Skrill
Higher score in this comparison
Qonto Portugal Business Account vs Skrill: the differences
| Compare | Qonto Portugal Business AccountReviewVisitVisit | SkrillReviewVisitVisit |
|---|---|---|
| Monthly fee | €9 | €0Lower |
| Licence type | Payment institution | E money |
| Currency conversion fee | 0.8% to 1.8%Lower | 3.99% |
| Currencies | from 30 | 47 |
| Transfer fee | 30 SEPA transfers/month included, then EUR 0.20 per extra transaction (Basic plan) | 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 |
| Local account details | IBAN | Not confirmed |
Same on both: Deposit protection (EU DGS up to EUR 100,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Skrill scores higher overall: 9.0 vs 8.7.
- Founded is lower at Skrill: 2001 vs 2017.
- Skrill is licensed in 2 more countries.
- Qonto Portugal Business Account is available in 4 more countries.
- Monthly fee is lower at Skrill: €0 vs €9.
- Currency conversion fee is lower at Qonto Portugal Business Account: 0.8% to 1.8% vs 3.99%.
- Support channels: only Qonto Portugal Business Account offers Chat.
- Audience: only Qonto Portugal Business Account offers Freelancer.
- Audience: only Skrill offers Expats, Travelers.
Our verdict on each
Qonto Portugal Business Account
Qonto Portugal Business Account suits small businesses and freelancers who want a euro account with reach into many currencies and EU deposit protection. The trade-off is the €9 monthly fee, against €0 at XTB and €0 at AXI Card every month.
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 | Qonto Portugal Business Account | Skrill |
|---|---|---|
| Cost | 8.5It charges a monthly fee of €9 where €0 is the norm on the site, offset by conversion fees of 0.8% to 1.8%. | 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 | 9.5 | 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 | 8.3 | 8.9Higher |
Positions in our rankings
| Ranking | Qonto Portugal Business Account | Skrill |
|---|---|---|
| Current and checking accounts | 2 of 885 | 4 of 885 |
| Business bank accounts | 6 of 563 | 7 of 563 |
Spending 1,000 abroad
Qonto Portugal Business Account
8 to 18
0.8% to 1.8% of 1,000
Skrill
39.9
3.99% of 1,000
Qonto Portugal Business Account comes out 31.9 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.
Cost in a real example
A year with 1,000 spent abroad
Qonto Portugal Business Account
€116 to €126
12 × €9 + 0.8% to 1.8% of 1,000
Skrill
€39.90
12 × €0 + 3.99% of 1,000
Skrill costs €76.10 less.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Pick Qonto Portugal Business Account if, pick Skrill if
Pick Qonto Portugal Business Account if currency conversion fee matter most.
Pick Skrill if trust and monthly fee matter most.
Where these facts come from
Qonto Portugal Business Account
- qonto.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
Skrill
- skrill.com: 9 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Qonto Portugal Business Account | Skrill |
|---|---|---|
| Audience | Business, Freelancer | Expats, Travelers, Business |
| Pricing model | Not confirmed | No monthly fee |
| Features | Digital only | Not confirmed |
| Legal entity | QONTO | Paysafe Payment Solutions Limited |
| Headquarters | France | Ireland |
| Founded | 2017 | 2001Lower |
| Support channels | Chat, Phone, Email, Help centreCovers more | Help centre, Email, Phone |
Money transfer
| Fact | Qonto Portugal Business Account | Skrill |
|---|---|---|
| Exchange rate markup | Not confirmed | 4.99% |
| Delivery time | Not confirmed | 24 - 72 hours |
| Payout methods | Not confirmed | Bank, Card, Wallet |
| Fee to send 1,000 | Not confirmed | €0 |
Where each stands against the rest
| Fact | Qonto Portugal Business Account | Skrill | Median |
|---|---|---|---|
| Monthly fee | €9highest quarter | €0at the median | €0 |
| Currency conversion fee | 0.8% to 1.8%above the median | 3.99%highest quarter | 0.5 |
| Currencies | from 30highest quarter | 47highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Qonto Portugal Business Account
Pros
- The account covers from 30 currencies, well above the 5 seen across the site.
- Deposits sit under EU DGS up to EUR 100,000, so the working balance stays inside the EU guarantee.
- Support runs on chat, phone and email, including a phone line for urgent payment problems.
Cons
- The €9 monthly fee is the cost rivals skip, with XTB at €0 and AXI Card at €0.
- Currency conversion costs of 0.8% to 1.8% apply to any payment made outside the euro zone.
- The account is digital only, so there is no branch counter and no paper trail outside the app.
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
Qonto Portugal Business Account
Who it suits
- Businesses and freelancers, the audiences the account is built for, billing in euros.
- Companies with customers in several markets, since the account covers from 30 currencies.
- Finance teams that want deposit cover in the same account they pay suppliers from, under EU DGS up to EUR 100,000.
Who should look elsewhere
- XTB, when the monthly fee decides it: XTB lists €0 and this account charges €9.
- AXI Card, for the same reason, with a monthly fee of €0 against €9 here.
- Skrill, if a wallet balance fits the money flow better than a business account carrying €9 a month and 0.8% to 1.8% on conversion.
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
Qonto Portugal Business Account
Current offer
Free trial
1-month free trial: 1 month free
Offered on the self-employed Basic, Smart and Premium plans; prices shown are monthly equivalents on an annual plan
Source, checked September 26, 2026
Bonus
Account remuneration: boosted rate for 2 months: 5% AER for 2 months, then 1.5% AER
Smart and Premium plans; requires at least 5 eligible transactions per month; balance cap EUR 50,000 (Smart) or EUR 100,000 (Premium)
Source, checked September 26, 2026
Skrill
Current offer
Bonus
Final Score: Up to EUR 10,000 every week
6 matches, 6 predictions; free to play; get all 6 right to win EUR 10,000; log in or register; T&Cs apply
Source, checked September 26, 2026
Country by country
| Country | Qonto Portugal Business Account | Skrill |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Brazil | No | Yes |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | No | Yes |
| Italy | Yes | No |
| Netherlands | Yes | No |
8 of 12 countries where either is available.
Questions about each
Qonto Portugal Business Account
What does the account cost each month?+
The account carries a monthly fee of €9 on the Basic plan. Payment activity adds to it: transfers beyond the included bundle each carry a flat charge. Budget for the fee as the baseline cost of keeping the account open.
What do extra SEPA transfers cost?+
On the Basic plan a bundle of SEPA transfers is included each month, and every transfer after that is charged at a flat rate per transaction. The monthly fee of €9 does not cover extra payment volume, so busy months cost more than the headline price.
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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