Wise vs Skrill
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Wise | Skrill |
|---|---|---|
| Ocena | 4.5 / 5 | 3.6 / 5 |
| Najlepszy do | Cheap, transparent international transfers | International online payments |
| Opłata miesięczna | Free (one-time card fee in some regions) | Free; EUR 5/mo after 6 months without a login or transaction |
| Kurs wymiany | Mid-market + transparent fee (often <0.5%) | 4.49% (Skrill reference rate) |
| Wysyłanie / odbiór | Low variable fee (~0.33%+) | 2.99% to send to Skrill users (min EUR 0.50); receiving free without conversion |
| Wypłaty | Free up to a monthly cap, then small fee | 1.75% to a bank account (min EUR 3.50) |
| Karta | Yes — physical & virtual debit Mastercard | Yes — prepaid Mastercard (EEA, UK, Gibraltar) |
| Dostępność | 160+ countries | 120+ countries |
| Waluty | 40+ currencies | Multiple currency balances |
| Regulacja | FCA (UK), NBB (Belgium), FinCEN (US) | Central Bank of Ireland (EEA: Paysafe Payment Solutions Ltd); FinCEN (Skrill USA, Inc.) |
| Założono | 2011 | 2001 |
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.
Zalety
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Wady
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
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.
Zalety
- Widely accepted by online merchants and trading platforms
- Free bank-transfer top-ups
- Hold several currency balances in one wallet
Wady
- 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)
Podsumowanie
Ogólnie Wise wysuwa się na prowadzenie z wynikiem 4.5 wobec 3.6 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.