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Updated September 28, 2026 · VaultCue Editorial Team

Qonto vs Skrill

Qonto scores 8.7 and Skrill 9.0 out of 10. Compare their differences and shared features below.
Qonto

Qonto

8.7/10
Visit
Skrill

Skrill

Higher score in this comparison

9.0/10
Visit

Qonto vs Skrill: the differences

Qonto vs Skrill
CompareQontoQontoReviewVisitVisitSkrillSkrillReviewVisitVisit
Monthly fee€19€0Lower
Licence typePayment institutionE money
Currency conversion fee0.8% to 1.8%Lower3.99%
Currenciesfrom 3047
Transfer fee30 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 detailsIBANNot 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 is available in 4 more countries.
  • Monthly fee is lower at Skrill: €0 vs €19.
  • Currency conversion fee is lower at Qonto: 0.8% to 1.8% vs 3.99%.
  • Support channels: only Qonto offers Chat.
  • Audience: only Qonto offers Freelancer.
  • Audience: only Skrill offers Expats, Travelers.

Our verdict on each

Qonto

Qonto suits businesses and freelancers who want their day to day banking in one app and will not chase the highest rate. The monthly fee of €19 is the trade off, and the 1.5% headline rate ranks 350 of 473 brands.

Read the full Qonto review

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.

Read the full Skrill review

Score breakdown

Qonto vs Skrill
AreaQontoSkrill
Cost8.8HigherA monthly fee of €19 on the standard plan and a minimum deposit of €0, against a site median of €08.7Cost 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.
Offer9.1Headline rate of 1.5% is variable and sits at 350 of 4739.6HigherOffer is strong: 47 currencies, EU deposit protection of EU DGS up to EUR 100,000 and support on help centre, email and phone.
Trust8.38.9Higher

Choosing between them

Pick Qonto if currency conversion fee matter most.

Pick Skrill if offer, trust, and monthly fee matter most.

Spending 1,000 abroad

Qonto

8 to 18

0.8% to 1.8% of 1,000

Skrill

39.9

3.99% of 1,000

Qonto 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.

Sources behind this comparison

Qonto

  • 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

How they place

Qonto vs Skrill
RankingQontoSkrill
Current and checking accounts1 of 8854 of 885
Business bank accounts5 of 5637 of 563

Every fact side by side

Qonto vs Skrill
FactQontoSkrill
AudienceBusiness, FreelancerExpats, Travelers, Business
Pricing modelNot confirmedNo monthly fee
FeaturesDigital onlyNot confirmed
Legal entityQONTOPaysafe Payment Solutions Limited
HeadquartersFranceIreland
Founded20172001Lower
Support channelsChat, Phone, Email, Help centreCovers moreHelp centre, Email, Phone

Money transfer

Qonto vs Skrill
FactQontoSkrill
Exchange rate markupNot confirmed4.99%
Delivery timeNot confirmed24 - 72 hours
Payout methodsNot confirmedBank, Card, Wallet
Fee to send 1,000Not confirmed€0

Where each stands against the rest

Qonto vs Skrill
FactQontoSkrillMedian
Monthly fee€19highest quarter€0at the median€0
Currency conversion fee0.8% to 1.8%above the median3.99%highest quarter0.5
Currenciesfrom 30highest quarter47highest quarter5

Median across 536 listed accounts.

Pros and cons

Qonto

Pros

  • Minimum deposit of €0, so the account opens without tying up money
  • Support runs on chat, phone and email
  • Currency conversion of 0.8% to 1.8% suits frequent international invoicing

Cons

  • The monthly fee of €19 makes it expensive for anyone holding a small balance
  • The account is digital only, so there is no branch to visit
  • The 1.5% rate is only paid while the transaction condition is met

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

Who it suits

  • Freelancers and sole traders billing across borders
  • Small businesses paying and receiving in several currencies
  • Anyone who wants their accounts, cards and invoices in one app

Who should look elsewhere

  • Anyone saving mainly for yield, since the 1.5% rate is variable and ranks 350 of 473
  • People who want to hold a large balance while paying nothing, given the monthly fee of €19
  • Anyone who prefers a branch, as the account is digital only

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

Current offer

  • Bonus

    Up to 5% AER account remuneration for 2 months for new customers: 5% AER for 2 months, then 1.5% AER on the Smart plan

    New customers only, first 2 months of the contract, on plans Smart and above; requires at least 5 eligible payment transactions of at least 1 EUR per month; remuneration capped at 50,000 EUR on Smart and 100,000 EUR on Premium; Account Remuneration currently available in France, Spain, Italy and the Netherlands

    Source, checked September 26, 2026

  • Free trial

    1-month free trial on business account plans: 1 month free

    Offered on the Basic, Smart and Premium business account plans, prices excl. VAT

    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

Qonto vs Skrill
CountryQontoSkrill
AustriaYesNo
BelgiumYesNo
BrazilNoYes
FranceYesNo
GermanyYesNo
IrelandNoYes
ItalyYesNo
NetherlandsYesNo

8 of 12 countries where either is available.

Questions about each

Qonto

How much does Qonto cost each month?+

The standard plan charges a monthly fee of €19. SEPA transfers are included up to a set monthly allowance, and each transfer beyond it carries a small fixed charge. Currency conversion adds 0.8% to 1.8% on converted payments.

Is there a minimum deposit to open a Qonto account?+

There is no minimum, and the stated minimum deposit is €0. The account can therefore be opened and funded with a small balance, which suits a new business or a first freelance invoice.

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.

Other options to compare

Qonto

Visit

Skrill

Visit