Personal Finance · head to head
Skrill vs Copilot Money
The short version
- Each has a real cost: Skrill a currency conversion fee of 4.49 percent applies to most conversions; Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
- They diverge on capability: Skrill covers Money transfers, Copilot Money covers AI-powered insights.
Where they differ
Only the attributes on which Skrill and Copilot Money actually diverge.
| Attribute | Skrill | Copilot Money |
|---|---|---|
| Pricing model | transaction | freemium |
| Founded | 2001 | 2020 |
Identical on both: starting price (Free), free tier (Yes), platforms (Web, IOS, Android), user rating (Not yet rated), category (Personal Finance).
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 Skrill
- Money transfers
- Digital wallet
- Currency conversion
- Prepaid card
Only in Copilot Money
- AI-powered insights
- Spending analysis
- Budget optimization
- Financial planning
Both cover
- Bank accounts
- Credit cards
- Web support
- IOS support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Skrill
- Sending money internationally from a prepaid digital walletnot Copilot Money
- Funding and withdrawing from online merchants and gaming sitesnot Copilot Money
- Buying and selling cryptocurrency inside a wallet accountnot Copilot Money
Copilot Money
- Tracking spending across connected accountsnot Skrill
- Budgeting by category with automatic transaction taggingnot Skrill
- Investment and net worth trackingnot Skrill
- Reviewing recurring subscriptionsnot Skrill
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
Copilot Money
- Apple only: web, iPhone, iPad and Mac, with no Android app
- No free tier; $95 a year billed annually, which works out at $7.92 a month
- The trial only starts once accounts are connected
Pricing, plan by plan
Skrill
Free- Free AccountFree
- Money transfers
- Digital wallet
- Premier Account$undefined/month
- Higher limits
- Special rates
Copilot Money
Free- FreeFree
- Basic budgeting
- Spending tracking
- Premium$12.99/month
- AI insights
- Advanced analytics
- Financial planning
Which should you pick?
Choose Skrill if
- You need money transfers.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want digital wallet.
Choose Copilot Money if
- You need ai-powered insights.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want spending analysis.
Questions people ask
- Is Skrill or Copilot Money better?
- Neither clearly leads. Skrill starts at Free and Copilot Money at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Skrill or Copilot Money?
- Skrill starts at Free and Copilot Money at Free.
- Does Skrill or Copilot Money run on more platforms?
- Both run on Web, IOS, Android, so platform support will not decide this one for you.
- Can I use Skrill for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Skrill best used for?
- Skrill is most often used for sending money internationally from a prepaid digital wallet, funding and withdrawing from online merchants and gaming sites, buying and selling cryptocurrency inside a wallet account. Of those, sending money internationally from a prepaid digital wallet and funding and withdrawing from online merchants and gaming sites are not what Copilot Money is typically brought in for.
- What can Skrill do that Copilot Money cannot?
- Skrill covers Money transfers, Digital wallet, Currency conversion, Prepaid card. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Both handle Bank accounts, Credit cards, Web support, IOS support.