The Beginning

If you’ve used Skrill in Nigeria for any length of time in receiving payments from a forex broker, a betting platform, or a client abroad, you’ve almost certainly come across the term or seen it on your Skrill account dashboard: “Skrill to Skrill transfer.”

Skrill to Skrill is a transfer method behind everything from peer payments to how Nigerian users convert Skrill funds to naira through exchangers like fnfSwap Digital.

But most explanations of it are either too basic (“just send to an email address”) or too generic to be useful for Nigerian users specifically.

This guide covers everything that actually matters: how the transfer works, what it costs, what limits apply, why transfers fail and how to fix them, and exactly how long you should wait.

Let’s get started with the basics.

What is a Skrill-to-Skrill Transfer?

A Skrill-to-Skrill transfer is a direct wallet-to-wallet payment between two Skrill account holders, executed instantly using the recipient’s registered Skrill email address as the destination point.

With this method, no bank account number, no SWIFT code, or third-party processing is needed. Just email address to email address, Skrill balance to Skrill balance.

[image of Skrill top Skrill]

And in terms of the fastest method, Skrill to Skrill is the fastest and most direct way to move funds between Skrill users anywhere in the world.

For Nigerian users specifically, it’s the most practical method for converting Skrill funds to naira since it connects you directly with a verified Nigerian exchanger (like fnfSwap) who receives your Skrill funds and pays naira to your bank account in return.

Think of your Skrill email address as your digital account number; whoever has it can send you funds, exactly the way a bank account number works for a wire transfer, but without the bank’s processing delays.

How to initiate a Skrill-to-Skrill transfer: using the Skrill App

This is the method I recommend for Nigerian users.

1. Log in to your Skrill account.
2. Tap Send
3. Select Skrill to Skrill
4. Enter the recipient’s Skrill email address – double-check this; there’s no recall once sent
5. Enter the amount you want to send
6. Review the transaction summary – fee, amount deducted, amount received
7. Tap Confirm

Skrill immediately sends you a confirmation notification and email. The recipient’s balance updates in real time.

If you are using a browser, here is how to do it.

On the Skrill web browser version:

1. Log in at skrill.com
2. Click Send Money.
3. Select Send to Skrill Account.
4. Enter the recipient’s email and amount.
5. Review and confirm

The process is identical, although the app version is slightly faster to navigate for most users, and both routes execute the same transfer.

Skrill to Skrill transfer fees: the full breakdown

This is where most guides get it wrong or oversimplify it, and where it matters most to get it right before you send it.

Skrill distinguishes between two types of Skrill-to-Skrill transfers when calculating fees:

1. Domestic Skrill-to-Skrill transfer (same country)

When both the sender and recipient are registered Skrill accounts in the same country, Skrill applies its domestic transfer fee of approximately 1.45% of the transaction amount, with a minimum fee of €0.50.

For Nigerian Skrill users sending to a Nigerian exchanger like fnfSwap, this is the applicable fee. Both accounts are Nigeria-based, which means the transfer is treated as domestic, and the 1.45% rate applies.

[image of transfer fee]

2. International Skrill-to-Skrill transfer (different countries)

When the sender and recipient are in different countries, an international fee applies.

Since April 2024, Skrill has updated this to 6.98% on international wallet-to-wallet transfers, a significant increase that affects users sending to exchangers or recipients based outside Nigeria.

[image of the fee to vgs]

This is why the exchanger you use matters: sending to a Nigerian-based exchanger (same country) costs 1.45%, while sending to an exchanger registered in a different country costs 6.98%, nearly five times more, before the exchange rate is even factored in.

In summary, Skrill to Skrill for foreign accounts is, at times, free. Like, USA to USA.