Currencies and payment systems skrill. Skrill payment system, service overview

The Skrill payment system (former Moneybookers) came to the Russian Federation a long time ago. And although it has not yet become a convincing alternative to the well-known PayPal, everyone who deals with virtual money can appreciate the many undoubted advantages of creating their own electronic wallet in it. Of course, subject to careful familiarization with the rules for using the system and their steadfast observance.

The Skrill payment instrument was created in 2001 in the UK. Its first owners were replaced by Investcorp Technology Parthers (USA) in 2007, but two years later the system was again taken over by the British and became owned by Gatcombe Park Ventures. Now Skrill is fully controlled by UK law, and all its activities are regulated by the Financial Services Authority - the British Financial Services Authority.

The main important qualities of Skrill: work in more than 180 countries of the world, support for more than 30 different currencies, no possibility of chargeback (cancellation of payment), increased requirements for payment security - the amount of transfers is limited, in case of any suspicion of using an account for any fraud it immediately blocks.

Where is Skrill accepted?

The catalog of online stores and services from around the world that accept payment through the Skrill payment system can also be found on the company's website. Please note that you can sort them by interface language.

How to use

To use Skrill, you do not need to install special software on your computer - any Internet browser that you are used to using to work on the Internet is enough. The entire system interface is located on the Skrill.com website, which you can open from any computer connected to the World Wide Web. The site is Russified, the registration procedure is quite simple, and your email address serves as an identifier in the system. By registering, you can send a money transfer to any recipient directly by email, even if your recipient is not yet a Moneybookers user. True, in order to gain access to this money, he will have to open an account in the system, indicating during registration the email address to which the transfer was sent. There is only one limiting condition for registration: all Moneybookers users must be over 18 years of age. When entering your data into the system, keep in mind that they must correspond to real information - this is necessary for the possibility of further use of the service. The reliability of information at all stages is carefully checked by the security service. When using the system, you can contact the technical support service for any questions - the discussion of problems and their solutions will be held in Russian.

Registering and opening an account only allows you to carry out transactions within the system - transfer funds between Moneybookers accounts. In this case, there will be a restriction that applies to a period of 90 days - during this time you have the right to make transactions for a total amount of not more than 1000 euros.

Residents of the Russian Federation, Ukraine and most other post-Soviet countries can easily send and receive payments through Skrill, withdraw funds to a bank account in their (or another) country.

How to recharge

To send funds to Skrill, you first need to deposit them into your account balance. There are only two main replenishment options: a transfer from a bank card (VISA, MasterCard, etc.) and a transfer directly from a bank account. Both of these methods are paid and can be used only after data verification. However, your account can be funded by other users through transfers from their Moneybookers wallet.

How to withdraw money

You can withdraw funds from Skrill to your bank account or bank card. Several bank accounts can be linked to an e-wallet, but one of them is considered the main one, and withdrawing money to it will cost you about two times cheaper than to other accounts. The main account must be located in a bank located in your country of residence, while the rest of the linked accounts can be opened anywhere. It should be borne in mind that you can use the Skrill wallet withdrawal service only if you pass the verification procedure. Account verification will increase your limit and allow you to use the system more widely.

Account verification

Verification consists in providing evidence about the reality of your personal data. The procedure can be more or less deep. The minimum verification is to provide scanned copies of your civil passport and a document confirming the address: for example, utility bills. Optionally, you can conduct a deeper verification of the address. To do this, Skrill representatives will send a letter to your postal address containing a verification code, which, after receiving it, should be entered on the site in the appropriate field. After completing the above actions, your transaction limit will increase to the amount of 2500 euros, but this will not give you the opportunity to withdraw money to a debit card or bank account. To withdraw funds, you need to verify both the card and the account.

Verification of a bank card not only allows you to deposit and withdraw money with it, but also increases your transaction limit by 3,000 euros. To carry out the procedure, you need to enter the card details on the Moneybookers website, after which a certain amount will be transferred to it, which must also be entered in the field on the website - only then the verification will be considered passed.

Verification of a bank account allows you to freely deposit and withdraw funds using it in the future. To carry out verification, you should make a bank transfer from your account to an electronic wallet, and then enter the transaction code in the field on the site. This will increase your limit by 2500 euros. There is another way: to write off money from an electronic wallet to a bank account, and then within 45 days find out in the bank the code indicated in the comments to the transfer, and enter it on the site. This will increase the transaction limit by 15,000 euros. However, this method is carried out only if there are no other, earlier verifications.

Rates

Skrill's rates can be described as "quite competitive". As well as the range of services provided, they vary depending on the user's country of residence. You can get acquainted with them on the website of the system.

But time goes by and things change. Last year, bookers announced the upcoming rebranding of their brand. The word Skrill was chosen as the new name of the payment system. To be honest, I don’t even know where it came from, what it means and why this rebranding was needed. But, of course, no one asked my opinion, and therefore you will have to receive money through Skrill. Under the name change, the owners of the system also organized a redesign of their site. This summer, a new version became available for use, and so I thought it would make sense to do a little review in terms of how and what for those users who are just starting to use Skrill for their needs.

So, I would like to drop a couple of general phrases about Skrill. The Skrill payment system (formerly Moneybookers) is quite popular among residents of Russia, Ukraine, Belarus and other neighboring countries, primarily due to the restrictions that the PayPal system has set for residents of these countries. If someone is not in the know, then Paypal allows you to pay for something, but receiving money through this system is very problematic. In one of the articles on the blog, I wrote about what is possible through Pioneer cards. But Skrill allows you to work completely normally and without bothering with multi-stage schemes. You can easily send money, receive money, enter money into the system and withdraw from it with minimal commissions. This system is very helpful for photo stockers, as everyone is connected to this system and all earnings can be received through it. By the way, judging by the banners on the system's website, all kinds of online casinos and poker sites are connected to this system. Okay, let's go back to where we started, that is, consider the registration process in Skrill.
First of all, we go to the system website by clicking on the banner in the header of this article. We have a window that looks like this:

If you need to change the interface language, click on the corresponding flag in the upper right corner. If everything is fine, then click on the REGISTER button. A new window will open that looks like this:

Here you will need to specify all the data required for filling. Please note that everything must be filled in in Latin, that is, in English letters. Check the information you provided and if everything is fine, then click on the "Go to Step 2" button. Once again, I would like to draw your attention to the fact that you need to carefully check what you have entered in this form, since then a verification (verification) letter will be sent to you for this data. If the data was incorrect or erroneous, then the letter will not reach you and you will not pass full verification. By the way, if you are registering on the Skrill website as an entrepreneur or a legal entity, that is, you plan to use the system to receive payments or make settlements on your website, then click on the link at the top of the form to register an enterprise account. Let's go back to registration. At the second step, you will see the following window:

Here enter your email, date of birth and password to enter the site. In Skrill, the email is further used as a login at the entrance. Don't forget to put a checkmark next to the item about agreeing to the rules and policies of the system. If you do not want to receive the system's newsletter with all sorts of promotions and news, then uncheck the box next to this item. If everything is done, then click the button at the bottom of the page and the Skrill account will be created. In the window that opens, you will be notified that an email has been sent to your email. In this letter there will be a link on which you will need to go and then the specified email will be verified.

So, the email is verified and you are in your Skrill account. The account overview tab displays transactions for the last 2 weeks, displays your account balance and immediately has buttons for depositing and withdrawing money from Skrill. By the way, do you see how many banners from casinos and poker sites? I mentioned earlier that the system is popular in this category of clients.

As you can see, your data is displayed here and there are links for verification. If you have not received an email from Skrill, then click on the "Verify" link under the email. A window of this kind will open, where you click on the "Go through the verification procedure" button and check your mailbox:

In the window with personal settings, you can also immediately order mail verification. What for? Skrill has certain limits on the turnover of money when entering and withdrawing money from the system. The basic limits are very low, and the increase in limits is tied to the passage of various kinds of verifications, including your address of residence. When this process is activated, a letter with a code will be sent to your home address, which you will need to enter on the system website.
Now let's look at the limits section that I mentioned in the previous paragraph:

As you can see from this screenshot, the basic limits are very small and amount to just over sixty dollars for 3 months. How to increase limits on Skrill? Click on the "Increase limit" link and you will see how you can increase the basic limits on Skrill.

One of them I have already mentioned is the verification of the postal address. The other two are card verification and bank account verification. In fact, the last 2 methods are linking an account and a card to a Skrill account and can be done through the "Cards and Bank Accounts" section, to which I go:

Again, everything is quite simple. Choose in this window that you want to add a card or account and click on the appropriate button. For example, adding a payment card looks like this:

In the window that opens, enter all the necessary data from your bank card. Click on the "Add card and continue" button. After adding the card, it will need to be verified. Card verification on Skrill is a replenishment of the Skrill account with an amount in the range from 1 to 3 dollars. The bottom line is that you will need to find out from the bank how much was transferred and enter it in the appropriate field in your Skrill account. If the amount is correct, then this money will appear on the account balance, and the status of the card will change to verified. After that, the limits will be raised by the amount specified in the account, and it will be possible to withdraw money from the system to the card.
Adding and verifying a bank account is as follows:

Specify your country, SWIFT bank code and bank account number and click on the add button. After adding an account, you will need to verify it. With an account, the verification procedure is slightly different from card verification, since it is not a replenishment that is done, but a trial withdrawal of money to the account. When the money arrives at your bank, the purpose of the payment will contain a verification code, which you will need to enter in your Skrill account and the account will be verified, and the Skrill limits will be increased by the corresponding amount. In principle, these points have not changed since the publication of this information in the corresponding article about Moneybookers, so I will not dwell on this much.

Transfers, deposits and withdrawals from Skrill

So, what else do we have left uncovered? Aha! Deposit, withdrawal and transfer of money through Skrill. Let's see how to do it. In the account overview section on the right side of the window there is information with the balance of your account and 3 buttons for depositing money, transferring and withdrawing.
So, to replenish the account in the system, click on the enter button and see the following window:

Here you will need to specify the input method, the amount and click ok. Replenishment, if it was made using a payment card, will be processed literally within one minute. If you replenish your account from a bank account, then you will have to wait a few days (up to 5 working days).
To transfer money to another Skrill account or to pay for purchases, you need to click on the Transfer button and the following window will open:

Here you need to specify the user's email or ID, the amount of the transfer and the purpose of the transfer. Please note that you can transfer money even to users who do not have an account in the system. Just enter the user's email address. When sending a transfer to the mailbox of this user, a notification will be received about the receipt of money and the need to open an account in the system to credit the transfer amount. The transfer itself is carried out instantly.
To withdraw money from Skrill, click on the withdrawal button:

After that, a window will appear asking you to select a withdrawal method, that is, to a card or to an account.

Also in this window you need to specify the amount and, if the withdrawal from Skrill goes to the card, then you will need to indicate the three-digit code that is located on the back of your card. In the next window, you will also need to indicate the date of birth for additional confirmation and that's it. Now wait for the money. If the withdrawal was made to a bank account, then it will be necessary to wait up to 5 business days. If the withdrawal is made to a bank card, then this is about 4 business days, although the system warns about 7 days. They probably include weekends here as well.
Here, in this way, work is carried out in the Skrill payment system, as for me, nothing complicated. Yes, regarding system tariffs. Transfer inside will cost 1% (but not more than 10 euros) commission for the sender, the recipient does not lose anything. Replenishment of an account in the system through a payment card will cost 1.9% commission, replenishment of a Skrill account from a bank account is not subject to commission. Skrill withdrawals are subject to a €2.95 fee per withdrawal. Please note that these are system commissions, and perhaps there are additional commissions at your servicing bank, but you can inquire about them yourself.
Here, perhaps, and all the necessary information. If anything, ask questions through the comment form, I will answer as much as possible.

The article is available for review in the following sections:,
If you liked my article, then you can receive new materials on RSS or subscribe to receive blog updates at Wikipedia) allows you to carry out secure online financial transactions, which include receiving or sending funds within the system, to a bank account or card, as well as paying for services, online purchases.

most used

• online players or gamblers who make deposits and withdraw funds from poker rooms, casinos and bookmakers;
• traders making operations in the financial markets;
• freelancers.

The system is a convenient platform for cashing out money and making online payments through innovative transaction methods.

How to use Skrill

The Skrill payment system can be used by both businessmen and individuals from more than 200 countries. It is possible to make transactions in 40 types of currencies and use 100 types of payments.

Thanks to the Skrill money transfer system, the user can:

• pay for purchases on the Internet and transfer money to legal entities;
• using your email address, receive and transfer funds to users of the countries where Skrill operates;
• promptly make deposits to gambling sites;
• pay for Skype app products;
• transfer money between .

Skrill reviews

As a responsible internet payment provider, Skrill has long earned the trust of its customers. In the reviews of numerous users, the high security of the system is emphasized, which completely eliminates the possibility of an account being hacked by intruders. Thanks to security mechanisms, everyone can connect additional protection through Google Authentication.

A huge number of users can easily withdraw funds or make deposits to / from all credit and debit plastic cards, as well as send money to anyone using an email address. At the same time, Skrill guarantees complete confidentiality of payments and personal data.

How Skrill is used for Forex

It is the advantages of the Skrill electronic money transfer system that allow financial market participants to either safely, quickly, efficiently and at any time make transactions from a personal account. Reliable and high-quality solutions of the payment system company brought the trading of brokers to a qualitatively new level:

• transaction execution time has been reduced;
• multi-stage verification increased security;
• the number of ways to deposit/withdraw money from a trading account has increased.

Benefits of Skrill for Binary Options

2. Enter your email address and a strong password, click on the "Next" button.

3. In the "Personal data" section, add the first and last name (in transliteration), select the date of birth, then click "Next".

4. On the next page, select the country of residence and account currency (attention! You will not be able to change the account currency later), click "Next".

5. The "Address" section will open, where you need to enter the address of registration or residence in transliteration, and then click the "Next" button to the last step.

6. Add a phone number, put two checkmarks and click on the "Open an account" button.

Important! After completing the registration, fill in the . This will give the user a unique opportunity to connect to the Skrill + VipDeposits program, through which he will receive a lot of bonuses and benefits.

Thus, after completing the registration, you can use the wallet. But its functionality will be somewhat limited. The entire list of Skrill account features will become available after verification.

Skrill account verification

Account verification in the Skrill payment system includes:

• identity verification (for this you need to provide a scan of your passport, international passport or driver's license);
• address verification (carried out upon submission of a document no older than 90 days: utility bill in the name of the account holder, bank statement, certificate from the management company);
• confirmation of ownership of identity documents (selfie with an identity document).

If the verification of the submitted documents ended with a positive result, then for each stage the user will receive a notification letter by e-mail. After the account verification is passed, the wallet limits will increase significantly and its functionality will expand.

Skrill + Vipdeposits Program

To take advantage of the possibility of replenishing and withdrawing funds from the Skrill payment service at favorable commissions and rates, it is better to connect to the VipDeposits program for free.

VIP Silver is free for every new client

Everyone who registers with Skrill and fills out the form will receive:

• accelerated account verification within 24 hours;
• premium VIP status Silver without deposits for a period of a calendar quarter.
• privileges without limitation in the amounts of transfers.

What are the benefits of being a Skrill Wallet Silver user?

• Commission for transfers within the system - 0%.
• Possibility to open a second account in another currency.
• The ability to withdraw funds to a card and a bank account with a commission of 0%.
• Issuing a Skrill Prepaid MasterCard is free of charge and there is a 0% commission for its maintenance.

If the user has an account and has never had a VIP status, then he can connect his account to the Skrill+Vipdeposits program. The only condition is that he must not make any financial transactions on the account for 30 days. After connecting his account to the program, the user will be able to get VIP status on preferential terms.

Preferential conditions for obtaining VIP status for VipDeposits users

One of the most important advantages of the Skrill + VipDeposits program is the prompt Russian-language technical support for users who will answer any questions about working with the payment system and help in case of disputes. Technical support is available through several communication channels: email, live chat, Skype, Facebook, VK, Telegram and Twitter.

Connect to Skrill+VipDeposits and upgrade your wallet profitably!

You are most likely interested in:

How good is the Skrill payment system?

What features does the wallet have?

Is not it?

After reading the review below, you will learn about:

Deposit and withdrawal of money,

commissions,

Login and more.

What is Skrill

Skrill( formerly Moneybookers) is a global payment system that allows individuals and businesses to make transactions quickly and securely via email.

The start took place in 2002 year.

Owner GatcombeParkVentures(London, Great Britain).

Skrill is available in more than 190 countries, and today the number of users is approximately 25 million.

The functionality of an electronic wallet is similar to PayPal, but it is more democratic and loyal.

The company was originally known as Moneybookers.

It wasn't a PayPal challenger - it was an easy way for people to transfer money while gambling or placing bets online.

More 120 000 sellers use their solutions for settlements.

Key features:

• No setup or monthly subscription costs,

Direct processing over 60 local payment options,

One contract and one interface for all payment and banking services,

A wide range of payment methods similar to Payer, SolidTrustPay, Bitcoin and PerfectMoney,

Multiple integration points ( Hosted payment or XML page),

Quick checkout, wallet, regular billing, virtual terminal and other vital services through one account,

Free digital wallet.

The Skrill eWallet provides a simple and secure payment solution with very competitive rates.

With an e-wallet, you will have access to the highest conversion payment gateway with a high degree of data protection and high competitiveness.

Commissions:

• There is no fee for receiving money,
• The fee for sending funds is 1% from the sent amount ( maximum 10 euros),
• Transferring money to a personal account is usually free, but in some cases a small fee is included,
• Payment in the store or transfer of funds is free,
• Deposits to a personal account with a credit card have a commission of 1,9% from a transaction
• Withdrawal from the account: credit cards ( only VISA): 2,28 US dollar; Bank transfer: 2,28 USD; Examination: 4.43 USD.

Deposit and withdrawal of funds:

Replenishment:

bank transfer,

Credit / debit card,

Instant banking (eg. giropay, eNETS, Netpay, Inteligo, P24, Nordea, POLi).

Conclusion:

Bank account,

Visa credit card, checks.

Advantages:

• Instant deposits and withdrawals,
• The highest level of security
• high competitiveness,
• Exclusive bonuses for Skrill users,
• More 36 million trustees,
• IOS and Android applications.

Minuses:

• Many projects do not accept Skrill,
• Rather, a limited number of withdrawal methods,
• Not very fast customer support.

Complaints and Services

Currently on different sites you can find more 200 public complaints against Skrill, many of which accuse the company of fraud or failure to provide services.

Most claims refer to:

• frozen money
• funds held,
• Unauthorized and fraudulent payments,
• Poor or unavailable customer service,
• Suspicions of fraudulent sales methods.

Many of these complaints were submitted by users, but most of them were written by sellers.

In general, merchants are leery of keeping money in the system for a long time, especially due to the excessive authentication process required by the company.

The most interesting:

Many customers reported that they were unable to contact anyone in Skrill for several days in a row.

In many cases, people's claims have been rebutted by Skrill confirming that users have violated the terms of use, but the way support communicates with their customers and terminates their service seems to be a major source of frustration.

We cannot give the payment system a favorable rating given the high number of complaints citing long-term fund delays and zero communication with the company.

Positive reviews:

You won't find many amazing Skrill reviews.

This is a common problem:

Many people who have bad experiences are happy to comment, but those for whom the service works do not always brag about it.

However, I am happy to say that I have at least found a couple of positive reviews about this payment system.

Mostly people write about how easy it is to use Skrill or how convenient it is.

Moreover:

You will see that the company has business relationships with big names like Skype, BigStock Photo, GoDaddy and freelance platform Upwork, all of which confirm my belief that Skrill is legal... just not the best choice.

If you had a positive experience with the wallet, don't forget to leave us a comment!

Conclusion

Skrill is rated as a poor quality payment service provider according to our criteria.

Customers report sudden account freezes and hold funds, but more importantly, they also state that it is very difficult to resolve these issues in a timely manner through customer service.

These statements are confirmed by the fact that the company does not respond in a timely manner to a significant part of the complaints in its direction.

Often, freelancers, photographers, stock market players, buyers abroad or online goods and gambling enthusiasts have to deal with foreign sites that have a limited number of directions for money circulation, among which the Skrill payment system is periodically found. Previously, the payment system was popular only abroad, but recently (since 2016) the popularization of the Skrill wallet began to spread to the Russian audience, including nearby Russian-speaking countries. Therefore, we will consider the main features of Skrill, its functionality, registration procedure, advantages and disadvantages, in order to have one more reliable online payment tool in stock for doing business and work.

An interesting fact is that earlier, until 2011, the Skrill payment system was known as Moneybookers until the transition to new owners. Currently, Skrill is fully controlled by UK law.

Skrill wallet registration and verification

To start registering a wallet on the main page of the official website of the payment system, click the " Open a free account"- in this case, the registration form with the Russian language will immediately load. Otherwise, the language version can be changed in the upper right corner.

1. At the first stage, you need to specify a valid e-mail (I recommend the Google mail service), come up with and confirm a complex password.
2. At the second stage, you will need to enter your first name, last name and date of birth. It is necessary to indicate all the data in transliteration, since the system does not let the Russian language through.
3. At the third stage - an indication of the country and the choice of currency. Please note that it is not possible to change the currency in the future.
4. At the fourth stage, more accurate information about the address of residence is filled in.
5. At the fifth and final stage of registration, you need to enter your phone number, solve the captcha and check the box to agree with the Skrill rules.

Upon completion, a notification will be sent to the specified e-mail, activate the profile by clicking on the link in the message.

By default, the created profile is limited in actions and has a set of strict limits on the operations performed. To remove the restrictions, you must go through the identity verification procedure. Verification will provide a higher level of trust to the user on the part of the Payment System Administration, removing the existing functional framework.

Skrill verification is allowed only at the time of withdrawal of funds from the wallet account. For full instructions (with pictures), go to " Settings", then select the section " Personal information and click "Verify" at the bottom.

Security setup

Before you start using your Skrill account, you will be advised to set up security every now and then. Do not put this matter on the back burner - an important factor for a competent owner of an electronic wallet. To prevent an attacker from getting your money, go to the " Settings", "Account Settings" tab and enable the "".

For implementation, you will need to install the Google Authenticator application on your smartphone. After confirming 2-Step Verification, 5 backup codes will be displayed on the screen (each can only be used once). They must be kept in a safe place. They are necessary in the event that it is not possible to use Google Authenticator.

Additionally, Skrill insists on setting up a pin for operations - this will further increase the security of the payment system wallet. Use this opportunity.

Deposit and withdrawal of money

Withdrawing money from a Skrill e-account depends on the country of residence, the following methods are most in demand:

• bank account, up to 5 working days;
• debit/credit card (VISA), up to 7 working days;
• through to another payment system, on average within an hour.

The amount of the commission depends on the chosen action.

Advantages and disadvantages of Skrill

The list of positives is obvious:

• transfers to bank cards;
• availability of an affiliate program;
• own plastic card;
• mobile app for iOS and Android platforms.

But when there is a plus, there are always minuses:

• a large commission for transactions compared to similar payment systems;
• preferential work with foreign portals;
• limit on the total amount of transactions carried out without verification (as soon as the withdrawal amount reaches 2500 euros, you will have to confirm your identity, otherwise the funds will remain frozen on the wallet);
• recently no longer accepts or makes money transfers to bank accounts in US dollars.

Conclusion

While being Moneybookers, the Skrill payment system has successfully carved its niche in the field of e-commerce. And although a lot of water has flowed since then, modern entrepreneurs who successfully make money on photo stocks, sellers and buyers of sites like eBay and offline foreign merchants resort to the services of Skrill.

If you had to deal with the selected payment, do not waste time and immediately set up security and verify yourself. Periodically change passwords, and if you leave your wallet idle for a long time without work, withdraw all the money in your account.