Revolut vs Skrill
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Revolut | Skrill |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.6 / 5 |
| Найкраще для | Travel spending and an all-in-one app | International online payments |
| Щомісячна комісія | Free to ~$16.99/mo (Standard→Metal) | Free; EUR 5/mo after 6 months without a login or transaction |
| Обмінний курс | Mid-market weekdays; ~1% weekend on Standard | 4.49% (Skrill reference rate) |
| Надсилання / отримання | Free between Revolut users | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Виведення коштів | Free up to a monthly limit, then ~2% | 1.75% to a bank account (min EUR 3.50) |
| Картка | Yes — virtual & physical debit; Metal on premium | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Доступність | 40+ markets; cards usable in 160+ countries | 120+ countries |
| Валюти | 30+ in-app (spend in 120+) | Multiple currency balances |
| Регулювання | Bank of Lithuania (ECB), UK banking licence, FCA | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Засновано | 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.
Плюси
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Мінуси
- 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.
Плюси
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Мінуси
- 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)
Підсумок
Загалом Revolut вириває перевагу з оцінкою 4.4 проти 3.6 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.