Skrill vs paysafecard

Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.

Notre choix Skrill logo

Skrill

3.6

Global e-wallet for online payments

Visiter Skrill
paysafecard logo

paysafecard

3.4

Prepaid voucher for online payments

Visiter paysafecard
FonctionnalitéSkrillpaysafecard
Note3.6 / 53.4 / 5
Idéal pourInternational online paymentsCash-funded online payments, no bank account
Frais mensuelsFree; EUR 5/mo inactivity after 12 monthsService fee after ~30 days
Taux de changeUp to 3.99%Conversion fee cross-currency
Envoyer / recevoirFree to other Skrill usersN/A — pay with 16-digit PIN
RetraitsVaries by methodN/A for standard vouchers
CarteYes — prepaid Mastercard (region-dependent)Optional — paysafecard Mastercard (select markets)
Disponibilité120+ countries~50 countries
Devises40+ currencies~20+ currencies
RéglementationUK FCA (Paysafe Group)FCA / Austrian FMA (Paysafe Group)
Création20012000

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.

Avantages

  • Widely accepted by online merchants and trading platforms
  • Buy/sell crypto in-wallet
  • Holds 40+ currencies

Inconvénients

  • FX markup up to 3.99% is high vs neobanks
  • EUR 5/mo inactivity fee after 12 months
  • Withdrawal fees vary and add up

paysafecard

paysafecard is a cash-based prepaid voucher that lets users pay online without sharing bank or card details, redeemable via a 16-digit PIN at gaming and digital-goods merchants. Bought at hundreds of thousands of retail outlets, it is ideal for the unbanked or privacy-conscious, though monthly service fees nibble at unused balances and it lacks full wallet features. Best treated as a top-up tool rather than a money-management account.

Avantages

  • No bank account or card needed to pay online
  • Bought with cash at hundreds of thousands of outlets
  • 16-digit PIN keeps your details private

Inconvénients

  • Monthly service fee erodes unused balances
  • Conversion fees on cross-currency payments
  • Not a full wallet — limited send/receive

En résumé

Globalement, Skrill prend l'avantage avec une note de 3.6 contre 3.4 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.