Skrill Alternatives: Best Digital Wallets & Money Transfer Options (2026)

Skrill is a digital wallet that helps you send and receive money online. It is especially popular for cross-border transactions. However, the high fees, account blocking, and subpar customer support can make the platform less than ideal for many users.

If you're looking to switch from Skrill - or simply want to compare what else the market offers - you've come to the right place. Here, we'll look at the top Skrill alternatives that offer better rates, useful features, and solid support. We'll also explore the factors to look for to find a platform that fits your business needs in 2025.

Skrill (Paysafe Group) makes cross-border transactions smooth and hassle-free. It also offers a wide global reach. But despite this, many user reviews highlight some common limitations - account blocks, poor customer support, high fees, and unreliable service. These issues push users to explore better options beyond Skrill.

1. Sudden account blocks

Users have reported that the platform restricts their accounts without clear reasons, locking in their money for a long period. This creates unnecessary stress and uncertainty.

2. Unhelpful customer support

Users often struggle to get proper responses. Even when someone replies, the solutions are slow or incomplete.

3. High fees

Many users feel the charges for sending or receiving money are too high, especially for individual users and small businesses.

4. Unreliable service

Account closures, delayed responses, and unresolved issues leave users unhappy with the platform.

When comparing Skrill competitors, you should consider what you need right now as well as what you'll need as your payments grow. Look for currency options, transfer speed, pricing, compliance support, etc.

1. Currency options and local account details

See if the platform lets you receive and hold money in major currencies like USD, EUR, or GBP. Plus, if the platform lets you open local accounts in the regions you operate, it can help you avoid extra conversion charges.

2. Actual transfer speed

Don't just rely on the claims these competitors make. Look at the payment rails they use. If they're using local clearing systems, chances are they'll move money faster and at a lower cost than traditional SWIFT transfers.

3. Pricing

We're not just talking about the transfer fee. While it is important too, don't miss out on the exchange rates and markups. The best providers share transparent pricing information upfront, so you know exactly what you're paying.

4. Payment methods

Not all clients use the same payment method. Select a platform that supports multiple methods to make it easier for them to pay.

5. Marketplace integrations

Do you sell on Amazon, eBay, or similar online platforms? Select a platform that can connect with them without much technical hassle.

6. FIRA and compliance support

This feature is non-negotiable for Indian businesses. Look for platforms that automatically generate Foreign Inward Remittance Advice (FIRA) and GST-friendly fee invoices. This will make it easier to handle export-related paperwork or claim refunds.

7. Ease of use

A good alternative should feel simple from the start. It should offer quick onboarding, simple payment steps, and responsive support.

Some top Skrill alternatives include Xflow, Wise, PayPal, Payoneer, Revolut, Neteller, Stripe, Venmo, Cash App, Zelle, Google Pay, Apple Pay, and Western Union.

1. Xflow

Xflow is a global payment solution that helps businesses collect money from customers through local bank transfers. It supports multiple currencies, settles payments quickly, and lets Indian users withdraw funds with ease. Plus, you get predictable fees, fast transfers, and a compliance-friendly process.

Key features of Xflow:

• Collect payments in 25+ currencies.
• Free USD Receiving Account on sign-up.
• Faster settlements through options like RTP and Fedwire.
• Reliable transfers with no intermediary banks.
• Free eFIRA/FIRC for every withdrawal.
• ISO 27001 and SOC 2 certified.

Pricing:

• Starter (for invoices below 3,500 USD).
• Growth (for invoices ranging from 2,00 USD to 10,000 USD).
• Scale for invoices above 10,000 USD and custom pricing.

2. Wise (TransferWise)

Wise is popular among businesses that work across borders. It has a simple setup process and low costs. Instead of maintaining several bank accounts in different countries, you can receive money like a local in major markets through one Wise account.

Key features of Wise

• Hold 40+ currencies with local account details in 9+ major currencies.
• Uses the mid-market rate with clear, low conversion fees.
• Free or low-cost domestic transfers in supported regions.
• Multi-currency business debit card.

Pricing

Depends on the feature. Typically has a flat fee + a percentage of the transfer amount.

Also read: Wise (TransferWise) alternatives

3. PayPal

PayPal is a popular choice for both personal and business payments. It supports many currencies and works smoothly for cross-border payments. While its fees can be higher than some newer services, it is a good option for businesses looking for convenience and global reach.

Key features of PayPal

• Supports 23 currencies across 150+ markets.
• Accepts major payment methods.
• Automatic currency conversion.
• Central dashboard to track and download payout history.

Pricing: 2.29% + 0.09 USD per transaction.

4. Payoneer

Payoneer is another popular global payment platform. It is a go-to choice for many Indian freelancers, exporters, and online sellers who need to get paid by international clients or marketplaces. Payoneer supports multiple currencies and direct integrations.

Key features of Payoneer

• Local receiving accounts in USD, EUR, GBP, and more.
• Direct payouts from popular marketplaces.
• Digital FIRA.
• Simple cross-border collection.

Pricing

• Transfers from another Payoneer user: Free
• Payments made by your clients: Depends on the payment method, typically starts at 1%.
• Earnings from marketplaces or partner services: Varies based on the platform.
• Funds received via your global receiving accounts: Local currency deposits are free, while other currencies may come with a flat fee or a 1% charge.

Read more: Payoneer review

5. Revolut

Revolut is another strong Skrill alternative, especially for businesses that work with multiple currencies. It brings several financial tools into one account, making it useful for startups, e-commerce sellers, and global teams.

Key features of Revolut

• Manage 25+ currencies with local account details.
• Interbank-like FX rates during market hours, with small markups on weekends.
• Physical and virtual corporate cards for teams.
• Built-in tools for tracking and controlling spend.

Pricing

• Basic: Starting at £10/month
• Grow: Starting at £30/month
• Scale: Starting at £90/month
• Enterprise: Custom

Read more: Revolut alternatives

6. Neteller

Neteller is a digital wallet that helps you make secure payments and get your money quickly. It supports many payment methods and multiple currencies, making it a good option for both personal use and global businesses. Neteller also has good acceptance rates and allows for fast transfers.

Key features of Neteller

• Over 100 payment options.
• Multi-currency accounts.
• Mass payment tools for bulk payouts.
• Supports several currencies.

Pricing

• Transfers to another Neteller user: 2.99% fee
• Bank transfers: $10
• Mobile wallets: 1.45%
• Card withdrawals: Up to 7.5%

7. Stripe

Stripe supports payments in many currencies. It also helps manage subscriptions, billing, and invoices. Plus, it works well with websites and apps, giving you more control over payments.

Key features of Stripe

• Accept payments in 135+ currencies.
• Supports subscriptions and recurring billing.
• Customizable APIs.
• Features to manage taxes and detect fraud.

Pricing

• Pay-as-you-go.
• Domestic card transactions: 2.9% + 0.30 USD

8. Venmo

Venmo started as a peer-to-peer payment app. Now, it also works for small businesses with Venmo for Business. You can set up a free business profile and accept payments online or using QR codes.

Key features of Venmo

• Large US user base.
• QR code payments for in-person checkout.
• Works with PayPal and Braintree.
• Fast payments for personal and business use.

Pricing

• Standard: 1.9% + $0.10
• Tap to pay: 2.29% + $0.09

Read more: Venmo alternatives

9. Cash App

Cash App is an easy-to-use money app that helps you send, receive, and manage your funds. You can use it on the web or through its mobile apps. But, it is only meant for US and U.K. users and doesn't support international transfers.

Key features of Cash App

• Peer-to-peer transfers.
• Automatic bank deposits.
• Offers simple tax tools.
• Uses PCI DSS Level 1 security.

Pricing

• Instant transfers: 0.5% to 1.75%
• Sending money through credit cards: 3%
• Bitcoin transactions: 2% to 3%
• Receiving payments through a business account: 2.75%

10. Zelle

Zelle lets you send and receive money right from one US bank account to another. Since it is built into most major banking apps, you can use it without installing a new app. Transfers usually go through within minutes, making it an easy way to pay anyone who has a US bank account.

Key features of Zelle

• Integrated directly into partner bank apps.
• Works across different US banks.
• Sends money without sharing financial details.
• Transfers between enrolled users happen within minutes.

Pricing: No charges

11. Google Pay

Google Pay is a payment app from Google for Android and iPhone users. You can add your debit or credit card to pay online, in apps, or send money to friends and family. It is popular in the US, India, and Singapore, but it doesn't support international transfers.

Key features of Google Pay

• Make secure online and mobile payments.
• Send money easily to friends and family.
• Link multiple debit or credit cards.
• User-friendly interface.

Pricing: Depends on the card and processor

12. Apple Pay

Apple Pay is a payment service for iPhone, iPad, and Apple Watch users. It helps businesses accept contactless payments without any hassle. You can set it up on your website or app, or use it in-store with a supported payment provider.

Key features of Apple Pay

• Accept payments via iPhone, iPad, or Apple Watch.
• Works with existing credit and debit card processing.
• Easy integration on websites and apps.
• Supports contactless in-store payments.

Pricing: Depends on the provider

13. Western Union

Western Union is a well-known service for sending money worldwide. It has thousands of agent locations and lets you send money to over 200 countries. You can send funds online, through the mobile app, or in person. Depending on where the money is going, recipients can get cash, a bank deposit, or a mobile wallet transfer.

Key features of Western Union

• Multiple payment methods - bank account, credit/debit card, Google Pay, etc.
• Supports transfers in 100+ currencies to 200+ countries.
• Instant or same-day cash pickup and mobile wallet transfers.
• Bank deposits take 0-5 days.

Pricing: Varies depending on the route.

Picking the right Skrill alternative depends on a few things, which currencies you use, the kind of payments you get, and the support you need for compliance. Some platforms are cheaper, while others are faster, support more currencies, or offer more ways for clients to pay. The trick is to select an option that makes cross-border transactions simpler without adding to the cost.

If you're an Indian freelancer or business looking for a simple way to receive international payments, Xflow offers a secure and hassle-free solution with competitive rates. It offers mid-market-linked rates, next-day settlements, a free eFIRA certificate, and strong security features.

Sign up today to see how it can help you simplify international payments.