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Skrill alternatives: 4 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll digital wallet apps

Top picks

Common reasons people leave Skrill: currency conversion fee is high compared with Wise or Revolut, and monthly fee if the account is inactive for six months. We ranked 4 alternatives by how directly each one replaces Skrill, then by reviews, real visits and how recently each app's facts were checked against its own website. PayPal currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1PayPal logoPayPalFree plan + paid—NoWeb, iOS, Android8 of 868.8
2Cash App logoCash AppFree—NoiOS, Android, Web5 of 561.8
3Wise logoWiseFree—NoWeb, iOS, Android3 of 354.4
4Xoom logoXoomPaid—NoWeb, iOS, Android6 of 651.2
  1. PayPal logo

    1. PayPalTop pick

    Best for: People who pay online often or send money to friends across iPhone and Android

    Free plan + paidWeb, iOS, Android

    68.8

    score / 100

    Why switch from Skrill

    Accepted by far more online shops, with stronger buyer protection for everyday purchases.

    Pros

    • Accepted at a very large number of online stores
    • Works on any phone and in the browser
    • Purchase Protection on eligible purchases

    Cons

    • Fees on some transfers, currency conversion and receiving payments
    • Not a full tap-to-pay phone wallet in most countries
    • Features like Pay Later and crypto vary by country
    Visit PayPal Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is PayPal a good Skrill alternative?

    Verified facts

    8 of 8 verified
    Account cost
    Free to open
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Platforms
    iOS, Android
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Buy now, pay later
    Pay in 4, Pay Monthly (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Buyer protection
    Purchase Protection
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    PayPal Checkout fee
    3.49% + fixed fee (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Card payments fee
    2.99% + fixed fee (US)
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    Fixed fee
    $0.49 per US dollar transaction
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
    International fee
    Extra 1.50% on international commercial payments
    Checked Nov 8, 2026paypal.com(opens source in a new tab)
  2. Cash App logo

    2. Cash App

    Best for: People in the US who want peer-to-peer payments, a debit card, stocks and bitcoin in one app

    FreeiOS, Android, Web

    61.8

    score / 100

    Why switch from Skrill

    Free person-to-person payments and bitcoin buying for people in the US or UK.

    Pros

    • Free peer-to-peer payments and no monthly card fee
    • Commission-free stock and bitcoin buying in the same app
    • Free tax filing and early direct deposit

    Cons

    • Not a bank itself; services run through partner banks
    • Available in the US only
    • Investing and bitcoin balances are not FDIC insured
    Visit Cash App Details and reviews
    How this score is calculated
    Editorial fit ×0.377
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Cash App a good Skrill alternative?

    Verified facts

    5 of 5 verified
    Owner
    Block, Inc.
    Checked Nov 8, 2026cash.app(opens source in a new tab)
    Stock trading
    No commission fees
    Checked Nov 8, 2026cash.app(opens source in a new tab)
    Card fees
    No monthly fees
    Checked Nov 8, 2026cash.app(opens source in a new tab)
    Bank status
    Not a bank
    Checked Nov 8, 2026cash.app(opens source in a new tab)
    Active accounts
    59 million+
    Checked Nov 8, 2026cash.app(opens source in a new tab)
  3. Wise logo

    3. Wise

    Best for: Expats, freelancers and travellers who send, receive or spend money in several currencies

    FreeWeb, iOS, Android

    54.4

    score / 100

    Why switch from Skrill

    Much cheaper currency conversion at the mid-market rate for holding and sending foreign currencies.

    Pros

    • Mid-market exchange rate with fees shown upfront
    • Holds and converts 40+ currencies in one account
    • Local account details for receiving payments abroad

    Cons

    • Not a full bank in most countries, so no overdrafts or loans
    • Per-transfer fees still apply, especially for small amounts
    • Funds are safeguarded rather than covered by deposit insurance in many regions
    Visit Wise Details and reviews
    How this score is calculated
    Editorial fit ×0.352
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Wise a good Skrill alternative?

    Verified facts

    3 of 3 verified
    Currencies
    40+
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Account fee
    Free to open
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Fund protection
    Safeguarded accounts
    Checked Nov 8, 2026wise.com(opens source in a new tab)
  4. Xoom logo

    4. Xoom

    Best for: PayPal users sending money home to bank accounts, wallets or cash pickup points

    PaidWeb, iOS, Android

    51.2

    score / 100

    Why switch from Skrill

    Simple PayPal-backed transfers to bank accounts, wallets or cash pickup abroad, with no wallet balance needed.

    Pros

    • Pays out to banks, debit cards, mobile wallets, UPI, PIX and cash pickup
    • Can be funded straight from a PayPal account
    • Fee and receive amount shown before you send
    • Phone top-ups and bill payments abroad in the same app

    Cons

    • Earns a margin on the exchange rate on top of the fee
    • Card-funded transfers usually cost more than bank-funded ones
    • Fees, limits and speeds vary a lot by country
    Visit Xoom Details and reviews
    How this score is calculated
    Editorial fit ×0.341
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Xoom a good Skrill alternative?

    Verified facts

    6 of 6 verified
    Owner
    PayPal
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    In service since
    2001
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Payout options
    Bank, wallet, UPI, PIX, cash pickup
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Cash pickup and delivery
    Yes
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Exchange-rate margin
    Yes, on top of transfer fees
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Transfer fee to India
    $0 on eligible transactions
    Checked Nov 8, 2026xoom.com(opens source in a new tab)

The best Skrill alternative for…

The highest-ranked app in this list for each need.

PayPal logo

Best Skrill alternative for most people

PayPal

Accepted by far more online shops, with stronger buyer protection for everyday purchases.

Cash App logo

Best Skrill alternative for a free option

Cash App

Free person-to-person payments and bitcoin buying for people in the US or UK.

PayPal logo

Best Skrill alternative for a free plan you can upgrade

PayPal

Accepted by far more online shops, with stronger buyer protection for everyday purchases.

Wise logo

Best Skrill alternative for iPhone and Android

Wise

Much cheaper currency conversion at the mid-market rate for holding and sending foreign currencies.

Xoom logo

Best Skrill alternative for working in the browser

Xoom

Simple PayPal-backed transfers to bank accounts, wallets or cash pickup abroad, with no wallet balance needed.

Skrill alternatives: common questions

What is the best alternative to Skrill?

PayPal ranks first right now. Accepted by far more online shops, with stronger buyer protection for everyday purchases. Cash App and Wise follow it in our ranking.

Skrill vs PayPal: what's the difference?

Both Skrill and PayPal are free with paid plans. Both run on Web, iOS and Android.

Is Skrill free?

Skrill is free with paid plans.

Is there a free alternative to Skrill?

Yes. PayPal (free plan + paid), Cash App (free) and Wise (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Skrill?

None of the 4 alternatives in this list is open source.

Why do people switch from Skrill?

The complaints we hear most: currency conversion fee is high compared with Wise or Revolut; monthly fee if the account is inactive for six months; wallet-to-wallet sends and withdrawals carry fees.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Skrill, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.