Apple Pay vs Skrill
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Apple Pay | Skrill |
|---|---|---|
| Puntuación | 4.4 / 5 | 3.6 / 5 |
| Ideal para | Contactless payments on Apple devices | International online payments |
| Comisión mensual | Free | Free; EUR 5/mo after 6 months without a login or transaction |
| Tipo de cambio | Uses your card's FX terms | 4.49% (Skrill reference rate) |
| Enviar / recibir | Apple Cash P2P free; instant 1.7% | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Retiradas | Standard Apple Cash free; instant 1.7% | 1.75% to a bank account (min EUR 3.50) |
| Tarjeta | No standalone card; tokenises existing cards | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Disponibilidad | Apple Pay in 101 countries and regions (Apple list, 27 Oct 2026); Apple Cash US-only | 120+ countries |
| Divisas | Local card currency; Apple Cash USD | Multiple currency balances |
| Regulación | Apple Cash via Green Dot Bank (US); rides card networks | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Fundación | 2014 | 2001 |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay available in 100+ countries and regions with no Apple fee. Apple Cash adds US-only peer-to-peer payments inside iMessage. Excellent for everyday spending within the Apple ecosystem but offers no standalone account or Android support.
Pros
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Available in 100+ countries and regions
Contras
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
Skrill
Skrill is a Paysafe e-wallet built for paying online merchants and trading platforms, with several currency balances and an optional prepaid Mastercard. Fees are its weak spot next to neobanks: a 4.49% FX fee, 2.99% to send money to other users and 1.75% (min EUR 3.50) to withdraw to a bank, plus EUR 5 a month after six months of inactivity. Use it where a merchant asks for Skrill, not as your multi-currency account.
Pros
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Contras
- 4.49% FX fee is high next to neobanks
- EUR 5/mo inactivity fee after 6 months
- 1.75% bank withdrawal fee (min EUR 3.50)
En resumen
En conjunto, Apple Pay se adelanta con una puntuación de 4.4 frente a 3.6, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.