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Personal Finance · head to head

Moneydance vs Skrill

Moneydance logo

Moneydance

Personal Finance

Cross-platform personal finance management

From
On request
Rated
-
Full reviewWebsite
Skrill logo

Skrill

Personal Finance

Fast and secure money transfer

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Skrill has a free tier, so it costs nothing to try first.
  • Each has a real cost: Moneydance the free trial is limited to 100 manually entered transactions; Skrill a currency conversion fee of 4.49 percent applies to most conversions
  • They diverge on capability: Moneydance covers Bill tracking, Skrill covers Money transfers.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Moneydance and Skrill actually diverge.

Attributes where Moneydance and Skrill differ
AttributeMoneydanceSkrill
Starting priceOn requestFree
Pricing modelone-timetransaction
Free tierNoYes
PlatformsWindows, Mac, Linux, IOS, AndroidWeb, IOS, Android

Identical on both: user rating (Not yet rated), category (Personal Finance), founded (2001).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Moneydance

  • Bill tracking
  • Investment monitoring
  • Budget tracking
  • Financial forecasting
  • Investment accounts
  • OFX import
  • Windows support
  • Mac support

Only in Skrill

  • Money transfers
  • Digital wallet
  • Currency conversion
  • Prepaid card
  • Credit cards
  • Web support

Both cover

  • Bank accounts
  • IOS support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Moneydance

  • Desktop personal finance management on macOS, Windows and Linuxnot Skrill
  • Importing and reconciling bank and credit card transactions locallynot Skrill
  • Tracking investments and budgets without a cloud-only servicenot Skrill

Skrill

  • Sending money internationally from a prepaid digital walletnot Moneydance
  • Funding and withdrawing from online merchants and gaming sitesnot Moneydance
  • Buying and selling cryptocurrency inside a wallet accountnot Moneydance

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Moneydance

  • The free trial is limited to 100 manually entered transactions
  • A one-time Buy Once purchase covers Moneydance 2024 plus one free upgrade to the next major release, not all future versions
  • Bank connection features are sold separately as the Moneydance Plus subscription rather than included in the one-time purchase
  • Business use requires one licence per computer, while the household licence covers personal use only

Skrill

  • A currency conversion fee of 4.49 percent applies to most conversions
  • An inactivity fee of EUR 5.00 is deducted monthly after six months with no login or transaction
  • Card deposits carry a 2.50 percent fee
  • SWIFT bank withdrawals cost 2.80 percent with a minimum fee of EUR 3.5
  • Skrill to Skrill transfers cost 2.99 percent with a EUR 0.50 minimum on standard accounts, reduced to 1.45 percent only for True Skriller accounts
  • Crypto trading fees are tiered by VIP status, from 1.50 percent standard down to 1.30 percent at Gold and Diamond VIP

Pricing, plan by plan

Moneydance

On request
  • Perpetual License$59.99/month
    • Full feature set
    • Free updates

Skrill

Free
  • Free AccountFree
    • Money transfers
    • Digital wallet
  • Premier Account$undefined/month
    • Higher limits
    • Special rates

Which should you pick?

Choose Moneydance if

  • You need bill tracking.
  • You work on Windows, Mac, Linux, IOS, Android.
  • You also want investment monitoring.
Moneydance review

Choose Skrill if

  • You need money transfers.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want digital wallet.
Skrill review

Questions people ask

Is Moneydance or Skrill better?
Neither clearly leads. Moneydance starts at On request and Skrill at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moneydance or Skrill?
Skrill has a free tier; the other does not. Paid plans start at On request for Moneydance and Free for Skrill.
Does Moneydance or Skrill run on more platforms?
Moneydance runs on Windows, Mac, Linux, IOS, Android. Skrill runs on Web, IOS, Android.
Can I use Skrill for free?
Yes. Skrill has a free tier, so you can try it without paying. Moneydance starts at On request.
What is Moneydance best used for?
Moneydance is most often used for desktop personal finance management on macos, windows and linux, importing and reconciling bank and credit card transactions locally, tracking investments and budgets without a cloud-only service. Of those, desktop personal finance management on macos, windows and linux and importing and reconciling bank and credit card transactions locally are not what Skrill is typically brought in for.
What can Moneydance do that Skrill cannot?
Moneydance covers Bill tracking, Investment monitoring, Budget tracking, Financial forecasting. Skrill covers Money transfers, Digital wallet, Currency conversion, Prepaid card. Both handle Bank accounts, IOS support, Android support.

Answered from the vendors’ own pages

Moneydance: How much does Moneydance cost?

Moneydance pricing is not disclosed on the main website; customers must visit the purchase page to view rates. The software includes a 90-day money back guarantee.

Source
Skrill: Is Skrill free to use?

Skrill operates on a freemium model. The digital wallet is free to open and use for basic features. The site refers to a fees page where transfer, conversion, and service fees are disclosed.

Source
Moneydance: Is there a free trial?

Yes, Moneydance offers a free trial that is fully functional but limited to entering up to 100 manually entered transactions.

Source
Skrill: What are Skrill's fees for transfers and conversions?

Skrill lists transfer, conversion, and service fees but does not display the specific amounts on the homepage. Detailed fee structures are available on Skrill's dedicated fees page at /en/siteinformation/fees/.

Source
Skrill: What services does Skrill offer?

Skrill provides international money transfers, online payment processing, cryptocurrency buying and selling, loyalty rewards through the Knect points program, and a mobile app. These services are included in the free account.

Source
Skrill: Is Skrill regulated?

Yes. Skrill Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for issuing electronic money and payment instruments. It is also registered with the FCA as a cryptoasset firm.

Source
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