Skrill vs Wise
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Skrill | Wise |
|---|---|---|
| Skóre | 3.6 / 5 | 4.5 / 5 |
| Najlepšia na | International online payments | Cheap, transparent international transfers |
| Mesačný poplatok | Free; EUR 5/mo after 6 months without a login or transaction | Free (one-time card fee in some regions) |
| Výmenný kurz | 4.49% (Skrill reference rate) | Mid-market + transparent fee (often <0.5%) |
| Odoslať / prijať | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion | Low variable fee (~0.33%+) |
| Výbery | 1.75% to a bank account (min EUR 3.50) | Free up to a monthly cap, then small fee |
| Karta | Yes — prepaid Mastercard (EEA, UK, Gibraltar) | Yes — physical & virtual debit Mastercard |
| Dostupnosť | 120+ countries | 160+ countries |
| Meny | Multiple currency balances | 40+ currencies |
| Regulácia | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) | FCA (UK), NBB (Belgium), FinCEN (US) |
| Založené | 2001 | 2011 |
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)
Wise
Wise (formerly TransferWise) is the benchmark for transparent, low-cost international transfers, using the real mid-market rate plus a small visible fee. Its multi-currency account holds 40+ currencies with local account details, making it ideal for freelancers and frequent travellers. It is an e-money provider rather than a full bank, so it lacks credit products and bank-style deposit insurance.
Výhody
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Nevýhody
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
Záverečné zhrnutie
Celkovo sa Wise dostáva dopredu so skóre 4.5 oproti 3.6 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.