Updated September 28, 2026 · VaultCue Editorial Team
Skrill vs XTB
Skrill
XTB
Higher score in this comparison
What sets them apart
| Compare | SkrillReviewVisitVisit | XTBReviewVisitVisit |
|---|---|---|
| Monthly fee | €0 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Currency conversion fee | 3.99% | 0.5%Lower |
| 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 | Deposits free of XTB fee; withdrawals free above 100 EUR/USD, 10 EUR (or 10 USD) below |
| Licence type | E money | Not confirmed |
| Currencies | 47 | Not confirmed |
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
- XTB scores higher overall: 9.3 vs 9.0.
- Founded is lower at Skrill: 2001 vs 2004.
- XTB is licensed in 4 more countries.
- XTB is available in 5 more countries.
- Currency conversion fee is lower at XTB: 0.5% vs 3.99%.
- Support channels: only XTB offers Chat.
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.
XTB
XTB suits savers who want their cash reachable at any moment, and traders who park money between deals. A 4% easy-access rate on uninvested funds, with support by email, chat and phone, makes it a practical holding pot for active investors rather than a rate chaser.
Score breakdown
| Area | Skrill | XTB |
|---|---|---|
| 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. | 9.3HigherA monthly fee of £0 and a minimum deposit of £0 match the savings medians, and the 0.5% conversion fee matches the category median. |
| Offer | 9.6Offer is strong: 47 currencies, EU deposit protection of EU DGS up to EUR 100,000 and support on help centre, email and phone. | 9.6The 4% rate beats the savings median of 3.08% but ranks 142 of 473, and it is variable. |
| Trust | 8.9 | 9.1Higher |
Where each is licensed and available
| Country | Skrill | XTB |
|---|---|---|
| United Kingdom | Financial Conduct Authority (FCA) FRN 522157 | |
| Belize | Not confirmed | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 259400HM2TR4U3LF5D43 |
| Ireland | IE_CBI PSD_EMI IE_CBI!C184986 | Not confirmed |
| Poland | Not confirmed | |
| South Africa | Not confirmed | |
| Spain | Not confirmed | |
| United Arab Emirates | Not confirmed |
Available in 1 country for both. Additional countries for Skrill: 3. Additional countries for XTB: 8.
Spending 1,000 abroad
Skrill
39.9
3.99% of 1,000
XTB
5
0.5% of 1,000
XTB comes out 34.9 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.
Every fact side by side
| Fact | Skrill | XTB |
|---|---|---|
| Audience | Expats, Travelers, Business | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Paysafe Payment Solutions Limited | XTB Limited |
| Headquarters | Ireland | Cyprus |
| Founded | 2001Lower | 2004 |
| Support channels | Help centre, Email, Phone | Email, Chat, Phone, Help centreCovers more |
Money transfer
| Fact | Skrill | XTB |
|---|---|---|
| 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 | XTB | Median |
|---|---|---|---|
| Currency conversion fee | 3.99%highest quarter | 0.5%at the median | 0.5% |
| Currencies | 47highest quarter | Not confirmed | 5 |
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.
XTB
Pros
- The easy access account pays 4% on uninvested funds, with interest calculated daily and paid monthly, and any amount withdrawn straight to a bank account.
- Running costs sit at the floor: a monthly fee of £0 and a minimum deposit of £0 on the easy access account.
- The 4% rate is above the savings median of 3.08% and higher than PayPal Colombia's 3.3%.
Cons
- On the headline rate the account ranks 142 of 473 brands, well behind AXI Card Tarjeta y Credito at 21.59% and Plazo ES at 24.19%.
- The rate is variable, so what a balance earns can shift over the months it sits there.
- Withdrawals below a set threshold carry a flat XTB fee, which matters for anyone moving money out in small bites.
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.
XTB
Who it suits
- Traders and investors who leave cash uninvested inside a brokerage wallet, since interest is calculated daily, paid monthly and any amount can be moved to a bank account.
- Savers who put access and running cost ahead of the top rate, given that the 4% rate ranks 142 of 473 while the £0 minimum deposit ranks 1 of 370.
- UK residents who want regulated oversight alongside a cash balance, holding both the FRN 522157 and MiCA CASP 259400HM2TR4U3LF5D43 registrations in view.
Who should look elsewhere
- Savings hunters sorting purely on the headline number: Plazo ES shows 24.19% and AXI Card Tarjeta y Credito 21.59%, both well ahead of the 4% here.
- Anyone who wants a return locked for a set term, because the rate here is variable and moves with the market.
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
XTB
Current offer
Free trial
Free training account: Free
Test your investing strategies and experience the market without risking your own capital
Source, checked September 26, 2026
Country by country
| Country | Skrill | XTB |
|---|---|---|
| Belize | No | Yes |
| Brazil | Yes | No |
| Chile | No | Yes |
| Cyprus | No | Yes |
| Germany | No | Yes |
| Ireland | Yes | No |
| Poland | No | Yes |
| South Africa | No | Yes |
8 of 12 countries where either is available.
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.
XTB
What does it cost to keep uninvested cash at XTB?+
The monthly fee on the easy access account is £0, and the account runs on a no monthly fee model, so there is no standing charge for holding funds. Deposits are free of XTB fees. Currency conversion runs at 0.5%, matching the savings median of 0.5%.
Is my money protected if the firm fails?+
Deposit protection is listed as FSCS up to GBP 85,000, so anything held above that figure sits outside the scheme. The firm is authorised in the UK by the Financial Conduct Authority under FRN 522157 and registered in Cyprus with the Cyprus Securities and Exchange Commission under MiCA CASP 259400HM2TR4U3LF5D43.
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