Google Wallet vs Skrill
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Google Wallet | Skrill |
|---|---|---|
| Skóre | 4.3 / 5 | 3.6 / 5 |
| Najlepšia na | Contactless payments & passes on Android | 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 | 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 |
| Výbery | N/A | 1.75% to a bank account (min EUR 3.50) |
| Karta | No standalone card; stores cards, passes & tickets | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Dostupnosť | Countries on Google supported-countries list; tap to pay varies by country | 120+ countries |
| Meny | Local card currency | Multiple currency balances |
| Regulácia | Rides card networks; licences by region | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Založené | 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.
Výhody
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Nevýhody
- 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.
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 Google Wallet dostáva dopredu so skóre 4.3 oproti 3.6 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.