How we rate e-wallets
Every wallet on Top E-Wallets is scored the same way, so the numbers are comparable across the board. Here is exactly what goes into a score.
Fees
The all-in cost of using the wallet — account and card fees, exchange-rate markups, send/receive charges and withdrawal costs.
Features
Breadth and usefulness of what's on offer: multi-currency support, cards, crypto, budgeting, integrations and country coverage.
Ease of use
How simple it is to sign up, verify, fund the account and complete everyday tasks across app and web.
Trust
Regulatory status, licensing, track record, security features and overall reputation.
Support
Availability and quality of customer support — channels, responsiveness and self-service help.
Editorial independence
Some links on this site are affiliate links, meaning we may earn a commission if you open an account. This never influences a score or where a wallet ranks — ratings are derived only from published pricing, terms and features. See our affiliate disclosure for details.
Where our data comes from
Fees, limits and features are taken from each provider's official website and public documentation, then re-checked periodically. Pricing can change and may vary by country, so always confirm the current terms on the provider's site before signing up.
Who writes TopEWallets
Reviews and comparisons on this site are researched and written by the TopEWallets Editorial Team, the in-house team that runs topewallets.com. We publish under a team byline rather than individual names, and every page goes through the same process described below.
You can reach the team at [email protected].
How we check fees
- Fees, limits and availability come only from the provider's own official pages: pricing pages, fee schedules, help-centre articles and terms. We do not copy figures from other comparison sites.
- Every figure is recorded together with its source URL and the date we checked it. In-depth comparisons list those sources at the bottom of the page.
- Where pricing differs by country, we check the UK, eurozone and US versions of the provider's site separately and say which region a figure applies to.
- Worked examples apply the provider's published fee rules to round amounts such as €1,000 or £500. Exchange rates move all the time, so the examples show the fee you pay, not a guaranteed final amount.
- If a provider does not publish a figure, we say so instead of estimating it.
Update dates
In-depth comparisons show a visible "Fees checked on" date at the top of the page. It is the day we last verified every fee on that page against the official sources, and it only changes when such a check has actually been done.
We re-check pages when a provider announces a price change and periodically for our most-read comparisons. Shorter wallet overviews without a date should be treated as indicative: always confirm the current terms on the provider's site before opening an account.
In-depth comparisons and their check dates
- Apple Pay vs PayPal — fees checked on
- Monzo vs Revolut — fees checked on
- Revolut vs N26 — fees checked on
- Starling Bank vs Monzo — fees checked on
- Starling Bank vs Revolut — fees checked on
- Starling Bank vs Wise — fees checked on
- Wise vs Apple Pay — fees checked on
- Wise vs OFX — fees checked on
- Wise vs Payoneer — fees checked on
- Wise vs PayPal — fees checked on
- Wise vs Revolut — fees checked on
Corrections
Spotted a fee that has changed? Email [email protected] with a link to the provider's official page. We re-check it, update the page and move its "Fees checked on" date.