Skrill vs PayPal
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Skrill | PayPal |
|---|---|---|
| Puntuación | 3.6 / 5 | 3.6 / 5 |
| Ideal para | International online payments | Online shopping & buyer protection |
| Comisión mensual | Free; EUR 5/mo inactivity after 12 months | Free |
| Tipo de cambio | Up to 3.99% | ~3–4% above wholesale rate |
| Enviar / recibir | Free to other Skrill users | Free friends/family same currency; goods & services fees apply |
| Retiradas | Varies by method | Free standard bank transfer; ~1% instant |
| Tarjeta | Yes — prepaid Mastercard (region-dependent) | Limited (debit/credit in some markets, e.g. US) |
| Disponibilidad | 120+ countries | 200+ countries/regions |
| Divisas | 40+ currencies | 25 currencies |
| Regulación | UK FCA (Paysafe Group) | FinCEN (US), Luxembourg CSSF (EU) |
| Fundación | 2001 | 1998 |
Skrill
Skrill is a long-established Paysafe-owned e-wallet popular for online payments, trading and cross-border transfers, holding 40+ currencies with optional crypto and a prepaid Mastercard. It scores well on acceptance and features but its FX markup (up to 3.99%) and assorted withdrawal/inactivity fees make it pricier than newer neobanks. A solid choice where merchant acceptance matters more than cost.
Pros
- Widely accepted by online merchants and trading platforms
- Buy/sell crypto in-wallet
- Holds 40+ currencies
Contras
- FX markup up to 3.99% is high vs neobanks
- EUR 5/mo inactivity fee after 12 months
- Withdrawal fees vary and add up
PayPal
PayPal is the most widely accepted online payment service, valued for its buyer protection and near-universal merchant coverage. Its convenience comes at a cost: currency conversion markups of roughly 3–4% and layered international fees make it expensive for cross-border transfers compared with dedicated specialists. Best suited to online shopping rather than low-cost money movement.
Pros
- Accepted by millions of merchants worldwide
- Strong buyer and seller protection
- Easy to set up and use
Contras
- High currency conversion markup (~3–4%)
- International receiving fees add up
- Account freezes/holds reported by some users
En resumen
En conjunto, Skrill se adelanta con una puntuación de 3.6 frente a 3.6, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.