Apple Pay vs Skrill
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Apple Pay | Skrill |
|---|---|---|
| Ocena | 4.4 / 5 | 3.6 / 5 |
| Najlepszy do | Contactless payments on Apple devices | International online payments |
| Opłata miesięczna | Free | Free; EUR 5/mo after 6 months without a login or transaction |
| Kurs wymiany | Uses your card's FX terms | 4.49% (Skrill reference rate) |
| Wysyłanie / odbiór | Apple Cash P2P free; instant 1.7% | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Wypłaty | Standard Apple Cash free; instant 1.7% | 1.75% to a bank account (min EUR 3.50) |
| Karta | No standalone card; tokenises existing cards | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Dostępność | Apple Pay in 101 countries and regions (Apple list, 27 Oct 2026); Apple Cash US-only | 120+ countries |
| Waluty | Local card currency; Apple Cash USD | Multiple currency balances |
| Regulacja | Apple Cash via Green Dot Bank (US); rides card networks | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Założono | 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.
Zalety
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Available in 100+ countries and regions
Wady
- 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.
Zalety
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Wady
- 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)
Podsumowanie
Ogólnie Apple Pay wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.6 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.