Updated October 17, 2026 · HodlCue Editorial Team
Skrill vs Wirex Card
Skrill
Wirex Card
Higher score in this comparison
What sets them apart
| Compare | SkrillReviewVisitVisit | Wirex CardReviewVisitVisit |
|---|---|---|
| Monthly fee | €5 | $0 |
| Currency conversion fee | 3.99% | 0%Lower |
| Card type | Prepaid | Debit |
| Card network | Mastercard | Visa |
| Custody | Custodial | Self custody |
| Free ATM withdrawals | Not confirmed | $0 |
| Cashback rate | Not confirmed | 0.5% to 8% |
| Currencies | Not confirmed | from 150 |
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Key differences
- Wirex Card scores higher overall: 9.1 vs 8.1.
- Wirex Card is licensed in 2 more countries.
- Currency conversion fee is lower at Wirex Card: 0% vs 3.99%.
- Features: only Wirex Card offers Self custody, Travel.
Our verdict on each
Skrill
Skrill suits crypto holders who want a prepaid card and a virtual card on one multi-currency balance, and who are comfortable with a custodial provider holding the balance. The catch is cost: a €5 monthly charge and a 3.99% conversion fee, where prepaid rivals such as Bitpanda charge €0.
Wirex Card
Wirex Card suits business users who want to spend stablecoins and crypto from a self-custody account. The monthly fee is $0 and the currency conversion fee is 0%, which keeps everyday card costs low for anyone paying suppliers abroad in many currencies.
Score breakdown
| Area | Skrill | Wirex Card |
|---|---|---|
| Cost | 8.1 | 9.4HigherMonthly fee of $0 and a conversion fee of 0% keep card running costs at the floor of the brands compared. |
| Offer | Not confirmed | 9.2 |
| Trust | Not confirmed | 8.7 |
How they place
| Ranking | Skrill | Wirex Card |
|---|---|---|
| Crypto debit cards | 6 of 145 | 15 of 145 |
Sources behind this comparison
Skrill
- skrill.com: 6 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Wirex Card
- wirexapp.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Skrill | Wirex Card |
|---|---|---|
| Features | Crypto, Virtual card, Multi currency | Multi currency, Crypto, Virtual card, Self custody, TravelCovers more |
| Audience | Not confirmed | Business |
| Legal entity | Paysafe Payment Solutions Limited. | Wirex Limited |
| Headquarters | Ireland | United Kingdom |
| Founded | Not confirmed | 2014 |
| Support channels | Not confirmed | Email, Chat, Help centre, Community |
Where each stands against the rest
| Fact | Skrill | Wirex Card | Median |
|---|---|---|---|
| Currency conversion fee | 3.99%highest quarter | 0%below the median | 0.25% |
| Free ATM withdrawals | Not confirmed | $0at the median | $0 |
| Cashback rate | Not confirmed | 0.5% to 8%highest quarter | 2 |
| Currencies | Not confirmed | from 150above the median | 30 |
Median across 58 listed providers.
Pros and cons
Skrill
Pros
- Spending draws on a multi-currency balance, so holding and using several currencies sits in one place
- The card runs on mastercard, the network most prepaid rivals in this category also use
- A virtual card is offered alongside the physical one, which suits online-only spending
Cons
- A €5 charge applies, while prepaid alternatives such as Bitpanda and Monzo Flex carry €0 and £0
- The 3.99% currency conversion fee is well above the 1% median of the cards compared
- It ranks 228 of 237 on currency conversion fee, so converting often is costly here
Wirex Card
Pros
- A monthly fee of $0 and a currency conversion fee of 0% keep running costs at the floor
- Custody is self custody, so the keys sit with the account holder rather than with the platform
- A debit card on the visa network, with a virtual card among the listed features
Cons
- The free ATM withdrawal allowance is $0, so cash withdrawals cost extra
- Support runs on email, chat and help centre only, so there is no phone line listed
- The listed audience is business, so the card is not aimed at personal account holders
Who each suits
Skrill
Who it suits
- Crypto holders who want to spend from a multi-currency balance without opening a bank current account
- Anyone comfortable with a custodial provider holding the balance and with a prepaid card rather than a debit card
Who should look elsewhere
- People who want a free card: Monzo Flex, Wise and Bitpanda each list £0, £0 and €0
- Travellers who convert often, since the 3.99% conversion fee is heavy next to the 1% median
- Anyone who wants to hold their own keys, as custody is custodial
Wirex Card
Who it suits
- Business users paying suppliers in stablecoins or crypto
- Anyone who wants to hold the keys themselves, with custody listed as self custody
- Multi-currency spenders and travellers, with from 150 listed currencies
Who should look elsewhere
- Monzo Flex, whose monthly fee is £0, suits readers who want everyday banking without touching crypto
- Wise, whose monthly fee is £0, is the fit for multi-currency spending with no digital assets on the account
- Bitpanda, at a monthly fee of €0, is the alternative for a card centred on digital assets rather than business banking
Current offers
Wirex Card
Current offer
Discount code
50% subscription rebates on Wirex One card: 50% back in USD on eligible subscriptions (Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg, Financial Times)
Pay for eligible subscriptions using the Wirex One card; rebate capped at the standard plan price for each service; tiers unlock more subscriptions
Source, checked September 26, 2026
Bonus
Up to 8% cashback on every purchase: 0.5% to 8% back in USD depending on membership tier
Every eligible purchase earns between 0.5% and 8% back in USD depending on tier; credited to Rewards Balance on transaction clearance
Source, checked September 26, 2026
Bonus
Wirex Exclusive Rewards Portal: Up to 16% cashback shopping online with 100+ partner retailers
Via the cashback portal at cashback.wirexapp.com
Source, checked September 26, 2026
Questions about each
Skrill
How much does the Skrill card cost to hold each month?+
The card carries a €5 charge. Prepaid rivals are often free: Monzo Flex lists £0, Wise lists £0 and Bitpanda lists €0. The €0 median across the cards compared is €0, so a free card is the norm in this field and this one is not.
What does it cost to convert currency on the Skrill card?+
Converting costs 3.99%, which is well above the 1% median of the cards compared. Skrill places 228 of 237 on that measure. A multi-currency balance is the practical way round it, since you can hold the currency you want to spend in rather than converting at the till.
Wirex Card
How much does the Wirex Card cost to hold and to use?+
There is no standing charge: the monthly fee is $0 and spending abroad converts at a currency conversion fee of 0%. Cashback on purchases runs at 0.5% to 8%, so the card earns a small return as well.
Is the card aimed at business users?+
The listed audience is business, and the card is built for that group. The monthly fee is $0, so keeping the card costs nothing, and the listed features include multi-currency, crypto, virtual-card, self-custody and travel functions.