Updated September 29, 2026 · VaultCue Editorial Team
Skrill vs Wirex
Skrill
Wirex
Higher score in this comparison
What sets them apart
| Compare | SkrillReviewVisitVisit | WirexReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | $0 |
| Currency conversion fee | 3.99% | 0%Lower |
| Currencies | 47Higher | 40 |
| Transfer fee | 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 | Free |
| Licence type | E money | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Local account details | Not confirmed | IBAN, UK sort code, Us ACH |
| Free ATM withdrawals | Not confirmed | €200 |
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Key differences
- Wirex scores higher overall: 9.2 vs 9.0.
- Founded is lower at Skrill: 2001 vs 2014.
- Skrill is licensed in 2 more countries.
- Currency conversion fee is lower at Wirex: 0% vs 3.99%.
- Currencies is higher at Skrill: 47 vs 40.
- Support channels: only Skrill offers Email, Phone.
- Support channels: only Wirex offers Chat.
- Pricing model: only Wirex offers Low FX.
Our verdict on each
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.
Wirex
Wirex suits travellers and expats who want to hold and spend across borders with local payout details in place. You pay monthly fee of $0 with currency conversion fee of 0% and balances across 40 currencies with transfers at free for daily use.
Score breakdown
| Area | Skrill | Wirex |
|---|---|---|
| Cost | 8.7Cost 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. | 9.4HigherTransfers at free with ATM allowance of €200 for cash access |
| Offer | 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. | 9.5Holds 40 currencies with local details IBAN, UK sort code and us ACH for everyday use |
| Trust | 8.9Higher | 8.8Operated as Wirex Limited based in GB and founded in 2014 |
Pick Skrill if, pick Wirex if
Pick Skrill if currencies matter most.
Pick Wirex if cost and currency conversion fee matter most.
Sources behind this comparison
Skrill
- skrill.com: 9 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
Wirex
- wirexapp.com: 7 facts, checked September 28, 2026
- help.wirexapp.com: 5 facts, checked September 28, 2026
How they place
| Ranking | Skrill | Wirex |
|---|---|---|
| Multi-currency accounts | 4 of 348 | 6 of 348 |
Every fact side by side
| Fact | Skrill | Wirex |
|---|---|---|
| Audience | Expats, Travelers, Business | Not confirmed |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Not confirmed | Free ATM |
| Legal entity | Paysafe Payment Solutions Limited | Wirex Limited |
| Headquarters | Ireland | United Kingdom |
| Founded | 2001Lower | 2014 |
| Support channels | Help centre, Email, Phone | Chat, Help centre |
Money transfer
| Fact | Skrill | Wirex |
|---|---|---|
| Exchange rate markup | 4.99% | Not confirmed |
| Delivery time | 24 - 72 hours | Not confirmed |
| Payout methods | Bank, Card, Wallet | Not confirmed |
| Fee to send 1,000 | €0 | Not confirmed |
Where each stands against the rest
| Fact | Skrill | Wirex | Median |
|---|---|---|---|
| Currency conversion fee | 3.99%highest quarter | 0%below the median | 0.5% |
| Currencies | 47highest quarter | 40highest quarter | 5 |
| Free ATM withdrawals | Not confirmed | €200above the median | €1 |
Median across 536 listed accounts.
Pros and cons
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.
Wirex
Pros
- Pay monthly fee of $0 so the account adds no fixed upkeep between trips
- Exchange balances with conversion fee of 0% which helps frequent cross border spend
Cons
- Support runs on chat and help centre only, which may frustrate those who prefer voice help
Who each suits
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.
Wirex
Who it suits
- Pick Wirex over eToro when you want local details such as IBAN, UK sort code and us ACH for receiving pay abroad
- Pick Wirex over bunq when you want conversion fee of 0% with monthly fee of $0 for travel use
Who should look elsewhere
- Consider Bit2Me instead if your priority is crypto exchange depth rather than everyday multi currency spending
- Consider eToro instead if your main activity is investing rather than holding travel balances
Current offers
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 | Skrill | Wirex |
|---|---|---|
| Brazil | Yes | No |
| Ireland | Yes | No |
| United Kingdom | Yes | No |
| United States | Yes | No |
Questions about each
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.
Wirex
Does Wirex charge a monthly fee for the account+
You pay monthly fee of $0 for the personal account, so there is no fixed upkeep for holding balances. This helps if you keep the account dormant between trips. You still should review transaction linked charges before moving funds.
What does Wirex charge for currency conversion+
Currency conversion fee is 0%, which keeps swapping balances predictable while travelling. Rates can still vary by market and timing. Check the live quote in the app before confirming a larger exchange.
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