Apple Pay vs Skrill
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Apple Pay | Skrill |
|---|---|---|
| Skóre | 4.4 / 5 | 3.6 / 5 |
| Najlepšia na | Contactless payments on Apple devices | International online payments |
| Mesačný poplatok | Free | Free; EUR 5/mo after 6 months without a login or transaction |
| Výmenný kurz | Uses your card's FX terms | 4.49% (Skrill reference rate) |
| Odoslať / prijať | Apple Cash P2P free; instant 1.7% | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Výbery | 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) |
| Dostupnosť | Apple Pay in 101 countries and regions (Apple list, 27 Oct 2026); Apple Cash US-only | 120+ countries |
| Meny | Local card currency; Apple Cash USD | Multiple currency balances |
| Regulácia | Apple Cash via Green Dot Bank (US); rides card networks | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Založené | 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.
Výhody
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Available in 100+ countries and regions
Nevýhody
- 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.
Výhody
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Nevýhody
- 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)
Záverečné zhrnutie
Celkovo sa Apple Pay dostáva dopredu so skóre 4.4 oproti 3.6 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.