Skrill Prepaid Mastercard review
Updated September 29, 2026 · DebitCue Editorial Team · Facts checked September 29, 2026
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Our verdict
Skrill suits you if you want a prepaid Mastercard with points and phone plus chat help for everyday spending and travel. The trade off is currency conversion at 3.99% alongside an annual charge of €10, so frequent overseas spenders may prefer Payit for lower conversion costs.
Key facts
- Best for
- Everyday prepaid spending with points and travel use
- Currency conversion fee
- 3.99% (Source, checked September 29, 2026)
- Card type
- Prepaid (Source, checked September 29, 2026)
- Card network
- Mastercard (Source, checked September 29, 2026)
- Features
- Virtual card, Crypto, Travel
- Official website
- skrill.com
Pros and cons
Pros
- Points rewards through points give ongoing value when you use the card for regular shopping.
- Prepaid prepaid card on Mastercard gives broad shop acceptance while keeping spending within loaded funds.
- Help across phone, chat and help centre gives you phone and chat options alongside written guides.
- Extra flexibility from virtual card, crypto and travel covers virtual card use, crypto related activity and travel spending.
Cons
- Currency conversion of 3.99% sits above Payit at 0%, which matters if you spend abroad often.
- Annual charge of €10 adds a yearly cost to keep the account active.
- Prepaid format of prepaid means you need to load funds before you can spend.
Who it suits
- You want prepaid control with points and accept 3.99% rather than switching to Payit for cheaper conversion.
- You value Mastercard acceptance and virtual card choice and accept €10 rather than moving to Pixpay.
Who should look elsewhere
- You spend abroad very often and prefer Payit because it lists 0% against Skrill at 3.99%.
- You convert balances regularly and prefer FINOM because it lists 1% against Skrill at 3.99%.
Using it day to day
You load funds before you spend with the prepaid format, which helps you stay within a planned budget for groceries, bills and online orders. Acceptance runs on Mastercard, so you can pay at shops, restaurants and cash machines where that network is welcomed, and you can manage routine purchases without linking directly to your main bank balance. Support is available through phone, chat and help centre, giving you phone help when you want to talk through an issue, chat when you want a quick written reply, and a help centre when you want to read guidance at your own pace. That mix suits you if you like having several ways to resolve queries about payments, limits or card management during normal daily use.
Using it abroad
When you pay in another currency, Skrill applies conversion of 3.99%, so you should factor that charge into holiday budgets, hotel bills and restaurant spending. The card runs on Mastercard, which gives you broad acceptance at overseas shops, cash machines and online travel merchants, so you can keep using the same card after you cross borders. You may want to compare that conversion level with your travel frequency, since occasional trips feel different from regular commuting across currency zones or frequent online orders from foreign stores. If you travel often, plan larger purchases carefully and check statements after each trip so you understand how conversion has affected your loaded balance.
Who runs it
The account is operated by Paysafe Payment Solutions Limited, which is the entity named in regulatory records for this service. The head office country is recorded as IE, and the service traces its origins to 2001, giving it a long presence in digital payments and prepaid products. Oversight comes from the Central Bank of Ireland, with authorisation recorded as C184986, so you deal with a regulated provider rather than an informal payment arrangement. Customer help is organised through phone, chat and help centre, so you can reach phone and chat teams or consult the help centre for written explanations about account rules, card use and safety practices.
How Skrill Prepaid Mastercard compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 9.2
8.8 vs 8.8FINOM lists conversion at 1% while Skrill lists conversion at 3.99%, so you could consider FINOM if you convert balances often.
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 9.0
8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.7
8.8 vs 9.2
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 9.6
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 8.9
8.8 vs 8.8
8.8 vs 8.8- 8.8 vs 8.8
- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.3
8.8 vs 8.2
8.8 vs 8.0
8.8 vs 8.0
Frequently asked questions
What yearly charge applies to the Skrill card?+
Skrill charges an annual amount of €10 for the card account. You should weigh that yearly amount against how often you plan to use the card for shopping and cash access.
How much does Skrill charge for foreign spending?+
Skrill applies conversion of 3.99% when spending in another currency. You should check that charge before you travel, since it will raise the cost of meals, transport and shopping abroad.
Is Skrill a debit card or a prepaid card?+
Skrill issues a prepaid card on Mastercard, so you load money before you spend. You can use it where Mastercard is accepted, which suits budgeting and online shopping.
Who operates Skrill and who regulates it?+
Skrill is operated by Paysafe Payment Solutions Limited and authorised by the Central Bank of Ireland under C184986. You get a regulated e-money provider rather than a high street bank relationship.
How can you contact Skrill support?+
Skrill offers help through phone, chat and help centre, covering phone, chat and help centre. You can choose spoken help or written guidance depending on how urgent your query feels.
Does Skrill offer rewards?+
Skrill offers points rewards on eligible activity. You can collect points as you spend, which may appeal if you prefer points over cashback or miles.
Does Skrill support virtual cards or crypto features?+
Skrill lists virtual card, crypto and travel among its features, including virtual card use, crypto related functions and travel use. You can manage online payments with the virtual option while keeping the physical card for shops.
Sources
- skrill.com/en/skrill-prepaid-card checked September 29, 2026
Backs: Card type, Features, Currency conversion fee, Card network
“The Skrill Prepaid Mastercard - Spend your Skrill balance”
Compiled from 1 source page, checked September 29, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.