Skrill Money Transfer Terms and Conditions

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[Version 1. – December 2019]

1.Skrill USA Money Transfer Service 
The “Skrill USA Money Transfer Service” is an additional service offered by Skrill USA, Inc. (“Skrill USA”) to enable Skrill USA Members to send money to another person that is known to the Skrill USA Member (the “Recipient”). Money will be transferred using the Skrill USA Member’s selected Payment Method (as defined in section 12.2 below) to the bank account of the Recipient. Skrill USA may enable other money transfer options as Payment Methods from time to time as may be shown on the Skrill USA Website.

2.Scope of Skrill USA Money Transfer Terms and Conditions
2.1 By accessing and using the Skrill USA Money Transfer Service, you are agreeing to these terms and conditions (these “Skrill USA Money Transfer Terms and Conditions”).

2.2 These Skrill USA Money Transfer Terms and Conditions shall apply to your use of the Skrill Money Transfer Service, in addition to the Skrill Digital Wallet Service Terms of Use (the “Skrill USA Terms of Use”). 

2.3 In the event of any inconsistency between the Skrill USA Terms of Use and these Skrill USA Money Transfer Terms and Conditions, these Skrill USA Money Transfer Terms and Conditions will, to the extent of this inconsistency, prevail.

3.Accessing the Service
Existing Skrill USA Members can use the Skrill USA Money Transfer Service by logging into their Skrill USA Account and selecting ‘Skrill Money Transfer’. New customers are required to open a Skrill USA Account before they can use the Skrill USA Money Transfer Service. Skrill USA Members will need to select a Payment Method to make transactions using the Skrill USA Money Transfer Service. 

4.Sending Money
4.1 We strongly advise you to only send money to people you know.

4.2 To send money, simply log into your Skrill USA Account and select ‘Skrill Money Transfer’. You will then be required to enter your payment instructions which will include: (a) the amount of money you wish to send, (b) the currency in which you wish to make the transfer, and (c) the Recipient’s details, including the country in which the Recipient resides. 

4.3 You can send money using any of the Payment Methods available to you. To view available Payment Methods, please click here. You cannot use your Skrill USA Account balance or any other payment options that are otherwise available to upload money to your Skrill USA Account to send money using the Skrill USA Money Transfer Service.

4.4 For Skrill USA to complete your payment instruction, the funds will be debited using your selected Payment Method and will pass through Skrill USA’s bank account before being transmitted to the Recipient via one of our payment partners, as applicable (see section 4.5 below for further details). This means all transactions made using the Skrill USA Money Transfer Service will be shown in the ‘Transaction History’ of your Skrill USA Account. 

4.5 To send money using the Skrill USA Money Transfer Service, we may use one or more of our payment partners to complete the transfer to a Recipient. In those instances, when providing you this service, the funds will be instantly credited to the applicable payment partner. The payment partner shall then be responsible for ensuring the onward transmission of the payment to the Recipient.

4.6 You can send money to Recipients residing in any of the countries currently supported by the Skrill USA Money Transfer Service. To view a list of these countries, please click here. We may make changes to the list of receiving countries from time to time. 

5. Transaction Times and Limits
5.1 If you send money using your debit card, credit card or bank transfer to the Recipient, funds will usually be debited from your card or bank account, as applicable, immediately and will usually be credited to the Recipient’s account within one to two business days. Transactions may be delayed (a) if the Recipient is required to identify their self in accordance with section 8.2 of these Skrill USA Money Transfer Terms and Conditions and fails to do so, (b) if the Recipient’s account has been restricted by their bank or other payment service provider, or (c) for any other reason described in section 9.2 of these Skrill USA Money Transfer Terms and Conditions. 

5.2 Transaction limits apply to the Skrill USA Money Transfer Service and vary depending on the status of your Skrill USA Account, selected Payment Method and the country you are sending funds to. We reserve the right to vary the transaction limits from time to time, in our sole discretion. If the amount you wish to transfer exceeds the applicable transaction limit, we will notify you immediately and you will not be able to continue with the payment instruction unless you lower the amount in accordance with the applicable transaction limit. The current limits are:

Receive Country

Limit

Per Transaction Limit

Daily

Weekly

Monthly

India

USD 1,000

USD 2,500

USD 3,500

USD 4,500

6. Prohibited Activities
In addition to any illegal transactions or transactions that violate any of Skrill USA’s policies, the following transactions are also prohibited when using the Skrill USA Money Transfer Service: (a) transferring funds on behalf of a third-party; and (b) using the Skrill USA Money Transfer Service to make a cash advance from your credit card. We reserve the right, in our sole discretion, to add categories of prohibited transactions for the Skrill USA Money Transfer Service by adding such categories either to these Skrill USA Money Transfer Terms and Conditions or an acceptable use policy published on the Website.

7. Fees
7.1 Subject to section 2.4 above, fees for the Skrill Money Transfer Service will be charged in accordance with section 9 of the Skrill Account Terms of Use and the Skrill Money Transfer page of our Website. Where you transfer money in one currency to be received by the Recipient in another currency, Skrill may make a small profit based on the difference between the exchange rate at which Skrill buys foreign currency and the exchange rate provided to you. Additionally, there may be delays, additional charges, or different exchange rates when you transfer money from one currency to be received in another currency. We will disclose to you prior to your authorization of a transaction whether a foreign currency exchange rate applies and the amount of money expected to be delivered abroad. Additional fees and foreign taxes may apply.

7.2 You, and not the Recipient, will pay any applicable fees in accordance with sections 7(b)(ii) and 9 of the Skrill USA Terms of Use. The Recipient will be liable for any fees that may be charged by their bank or payment service provider for receiving funds. 

8. Personal Information of Recipients
8.1 You must obtain consent from the Recipient to share their personal information with Skrill USA prior to entering their details into the Skrill USA Money Transfer Service. Personal information includes, but is not limited to, name, address, date of birth, email address, telephone number and such other information as may be required by us from time to time to provide the Skrill USA Money Transfer Service or to comply with applicable law or regulatory requirements. By submitting your payment instruction, you are confirming that you have obtained such consent from the Recipient.

8.2 If required by applicable law or regulatory requirements, the Recipient may be required to verify their identity prior to receiving the transferred funds. In any such instance, if the Recipient does not verify their identity within thirty-one (31) days the transfer will be declined and the funds will be refunded using your previously selected Payment Method in accordance with section 9.3 below.

9. Suspending or Cancelling a Payment Instruction
9.1 You can cancel a payment instruction for a full refund within 30 minutes of payment by clicking on “My Transfers” in your Skrill USA Account, and selecting the relevant payment instruction, unless the funds have been picked up or deposited. Your full refund includes your payment, including any fees and taxes, and will be paid to you within three business days of receiving your request to cancel. 

9.2 In addition to any suspension or cancelation rights of Skrill USA set forth in the Skrill USA Terms of Use, Skrill USA may suspend or cancel your payment instruction if: (a) we are required to do so under applicable law or regulation; (b) Skrill USA or a payment partner is unable to verify the identity of the Recipient; (c) your payment instruction is incomplete or inaccurate; (d) the transaction is rejected by the Recipient’s bank or other payment service provider or by our payment partner; (e) we have reasonable grounds to believe the money transfer constitutes an illegal transaction in accordance with Section 6 of these Skrill Money Transfer Terms and Conditions; or (f) is otherwise prohibited under applicable law.

9.3 In the event we are unable to complete your payment instruction, we will make three (3) separate attempts to refund the amount using your previously selected Payment Method. If our third attempt at refunding the amount using your previously selected Payment Method is unsuccessful, we will credit the equivalent amount to your Skrill USA Account balance. Please note that if the refunded funds are credited to your Skrill USA Account balance, you will no longer be able to use those funds for the Skrill USA Money Transfer Service. However, you may spend those funds with online merchants or withdraw the funds in accordance with section 21 (a) of the Skrill USA Terms of Use. 

10. Error Resolution

You have a right to dispute errors in your Transaction. If you think there is an error, contact us within one hundred and eighty (180) days at 855-719-2087 or at www.skrill.com/en_us/support. You can also contact us for a written explanation of your rights. We will investigate promptly and determine if an error occurred within ninety (90) days of you notifying us. Within three (3) business days after our investigation has concluded, we will advise you of the results of our investigation.

For questions or complaints about Skrill USA, contact your State Regulatory Agency. Information is available here.

You can also contact the Consumer Financial Protection Bureau, 855-411-2372, 855-729-2372 TTY/TDD), www.consumerfinance.gov

11. Amendment

We may amend these Skrill USA Money Transfer Terms and Conditions at any time by delivering written notice of such amendment to the email address you have provided to us in connection with your Skrill USA Account, or by posting any such amendment on the Skrill USA Website. You will be given at least twenty-one (21) days’ notice prior to the effective date of any amendment that results in an increase in your liability.

12. Definitions
12.1 Any capitalized terms used but not otherwise defined in these Skrill Money Transfer Terms and Conditions shall have the respective meanings assigned to such terms in the Skrill USA Terms of Use. 

12.2 “Payment Method” means bank transfer and payment instruments including, but not limited to, credit cards and debit cards that Skrill USA enables from time to time as stated on the Skrill USA Website.