Google Wallet vs Skrill
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Google Wallet | Skrill |
|---|---|---|
| Оценка | 4.3 / 5 | 3.6 / 5 |
| Лучше всего для | Contactless payments & passes on Android | International online payments |
| Ежемесячная комиссия | Free | Free; EUR 5/mo after 6 months without a login or transaction |
| Курс обмена | Uses your card's FX terms | 4.49% (Skrill reference rate) |
| Отправка / получение | No Google fee; send money only in India and Singapore | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Выводы средств | N/A | 1.75% to a bank account (min EUR 3.50) |
| Карта | No standalone card; stores cards, passes & tickets | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Доступность | Countries on Google supported-countries list; tap to pay varies by country | 120+ countries |
| Валюты | Local card currency | Multiple currency balances |
| Регулирование | Rides card networks; licences by region | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Основан | 2011 (Wallet rebrand 2022) | 2001 |
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use in the countries on Google's supported list, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but sending money to friends is only offered in India and Singapore. The natural everyday wallet for Android users.
Плюсы
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Минусы
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
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.
Плюсы
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Минусы
- 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)
Итог
В целом Google Wallet выходит вперёд с оценкой 4.3 против 3.6 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.