Revolut vs Skrill
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | Skrill |
|---|---|---|
| Note | 4.4 / 5 | 3.6 / 5 |
| Idéal pour | Travel spending and an all-in-one app | International online payments |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | Free; EUR 5/mo after 6 months without a login or transaction |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | 4.49% (Skrill reference rate) |
| Envoyer / recevoir | Free between Revolut users | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Retraits | Free up to a monthly limit, then ~2% | 1.75% to a bank account (min EUR 3.50) |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Disponibilité | 40+ markets; cards usable in 160+ countries | 120+ countries |
| Devises | 30+ in-app (spend in 120+) | Multiple currency balances |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Création | 2015 | 2001 |
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Avantages
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Inconvénients
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
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.
Avantages
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Inconvénients
- 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 résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 3.6 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.