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You can choose the method of withdrawal when submitting your withdrawal request. Electronic money accounts are not bank accounts. In the unlikely event that we become insolvent, you may lose the electronic money held in your Skrill Account. However, the European Communities Electronic Money Regulations apply to us and these are designed to ensure the safety and liquidity of funds deposited in electronic money accounts. The electronic money on a Skrill Account belongs to the person or legal entity which is registered as the Skrill Account holder.

No person other than the Skrill Account holder has any rights in relation to the funds held in a Skrill Account, except in cases of succession. You may not assign or transfer your Skrill Account to a third party or otherwise grant any third party a legal or equitable interest over it. Your Skrill Account may be subject to upload, payment and withdrawal limits, depending on your country of residence, the verification status of your Skrill Account and other factors used by us to determine such limits from time to time at our sole discretion.

In order to use our payment services you must first open a Skrill Account by registering your details on our Website. As part of the signup process you will need to accept these Terms of Use and our Privacy Notice and you must have legal capacity to accept the same. If you order additional services, you may be asked to accept additional terms and conditions.

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If you are an individual, you must be 18 years or older to use our services and by opening a Skrill Account you declare that you are 18 years or older. This does not apply to products for which we set a different age limit. We may require at any time that you provide evidence of your age. You may only open one Skrill Account unless we explicitly approve the opening of additional accounts. You may only open a Skrill Account if it is legal to do so in your country of residence.

By opening a Skrill Account you represent and warrant to us that your opening of a Skrill Account does not violate any laws or regulations applicable to you. You shall pay us the amount of any losses we incur in connection with your breach of this section. All information you provide during the signup process or any time thereafter must be accurate and truthful. If you do not provide such information or cooperate as instructed by us within six 6 months of opening your Skrill Account or within such other deadline as we may notify to you at any time thereafter we may charge you an administration fee as displayed in the "Fees" section of the Website.

You may only add Payment Methods to your Skrill Account if you are the named holder of the account for that Payment Method. We take any violation of this requirement very seriously and will treat any attempt to add a Payment Method of which you are not the named holder as a fraudulent act.

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During signup you will be asked whether you intend to use your Skrill Account for private or commercial purposes. If you have any intention to use your Skrill Account for commercial purposes, you must tell us, even if you use it also for private purposes. If you have stated that you will use your Skrill Account for private purposes only, you must tell us immediately before, at any point in the future you use it for commercial purposes by contacting Customer Service. You are using your Skrill Account for commercial purposes if you are receiving payments for or in connection with any business activity.

We reserve the right to determine whether, in our reasonable opinion, you are using your Skrill Account for commercial purposes. If you are using your Skrill Account for commercial purposes, in addition to these Terms of Use, you shall be bound by our Merchant Terms and Conditions. If you are in any doubt about whether or not an activity amounts to a commercial activity, you should contact Customer Service.

Within 14 days of the date of opening your Skrill Account, you may close your Skrill Account at no cost by contacting Customer Service, however, if you have uploaded funds into your Skrill Account, you may be required to provide identification documents before being able to withdraw funds. Transactions and fees for transactions undertaken before you close your Skrill Account including those transactions that are not revocable and have been initiated but not completed before closure of your Skrill Account will not be refunded. You must ensure that the information recorded on your Skrill Account is always accurate and up to date and we shall not be liable for any loss arising out of your failure to do so.

We may ask you at any time to confirm the accuracy of your information or to provide documents or other evidence. We may contact you by e-mail or in other ways described in section 18 with information or notices regarding your Skrill Account. We shall not be liable for any loss arising out of your failure to do so.

Fund uploads, payments received, payments sent and fund withdrawals are displayed in your online transactions history together with the date of receipt or transmission the debit value date , the fees charged and, where applicable, any exchange rate used. Each transaction is given a unique transaction ID and shown in the transaction history.

We will not alter or amend information displayed in your online transaction history.

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You should quote this transaction ID when communicating with us about a particular transaction. You should check your Skrill Account balance and transaction history regularly.

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You should report any irregularities or clarify any questions you have as soon as possible by contacting Customer Service. Subject to the provisions of section 8 below and without prejudice to the provisions of section 9. You must take all reasonable steps to keep your Skrill Account password and any other security features safe at all times and never disclose them to anyone.

Our personnel will never ask you to provide your password to us or to a third party. Any message you receive or website you visit that asks for your password or other security features, other than the Skrill Website or a Skrill payment gateway on a merchant website, should be reported to us. If you are in doubt whether a website is genuine, you should contact Customer Service. It is advisable to change your password regularly at least every three 3 to six 6 months in order to reduce the risk of a security breach in relation to your Skrill Account. We also advise you not to choose a password that is easily guessed from information someone might know or gather about you or a password that has a meaning.

Except as stated in section 9. A, you must never allow anyone to access your Skrill Account or watch you accessing your Skrill Account. You must comply with the security procedures we tell you about from time to time. If you have any indication or suspicion of your Skrill Account, login details, password or other security feature being lost, stolen, misappropriated, used without authorisation or otherwise compromised, you are advised to change your password.

You must contact Customer Service without undue delay on becoming aware of any loss, theft, misappropriation or unauthorised use of your Skrill Account, login details, password or other security features. Any undue delay in notifying us may not only affect the security of your Skrill Account but may result in you being liable for any losses as a result where your failure to notify us is intentional or grossly negligent. If you suspect that your Skrill Account was accessed by someone else, you should also contact the police and report the incident.

We may suspend your Skrill Account or otherwise restrict its functionality on reasonable grounds relating to the security of the Skrill Account or any of its security features or if we reasonably suspect that an unauthorised or fraudulent use of your Skrill Account has occurred or that any of its security features have been compromised.

We will notify you of any suspension or restriction and of the reasons for such suspension or restriction in advance or, where we are unable to do so, immediately after the suspension or restriction has been imposed, unless notifying you would be unlawful or compromise our reasonable security interests.

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If we think your Skrill Account is at risk of fraud or a security threat, we will use the fastest and most secure way of contacting you using the details you have provided to tell you what you need to do to help deal with that risk. You must take all reasonable care to ensure that your e-mail account s are secure and only accessed by you, as your e-mail address may be used to reset passwords or to communicate with you about the security of your Skrill Account.


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In case any of the e-mail addresses registered with your Skrill Accounts are compromised, you should without undue delay after becoming aware of this contact Customer Service and also contact your e-mail service provider. Irrespective of whether you are using a public, a shared or your own computer to access your Skrill Account, you must always ensure that your login details are not stored by the browser or cached or otherwise recorded. You should never use any functionality that allows login details or passwords to be stored by the computer you are using.

Additional products or services you use may have additional security requirements and you must familiarise yourself with those as notified to you.

You may close your Skrill Account at any time by contacting Customer Service. Fees relating to ongoing management of inactive accounts will continue to be charged following closure of your Account. This provision shall survive termination of the relationship between you and us. If your Skrill Account holds a balance at the time of its closure, we will ask you to withdraw your funds within a reasonable period of time, during which your Skrill Account will be accessible for the purpose of withdrawing the remaining balance only. After the expiry of this period you will not be able to access your Skrill Account but you may withdraw any remaining funds by contacting Customer Service and requesting that the funds are sent to you in a manner that is reasonably acceptable for us.

If you want to access your transaction history after the closure of your Skrill Account, you will need to contact Customer Service and request the information. You may do so for a period of six years from the date of closure of your Skrill Account but we suggest that you withdraw your remaining funds as soon as possible as they will not earn any interest while in your Skrill Account. Your obligations with regards to keeping your Skrill Account safe as set forth in section 6 shall continue to apply. We reserve the right to carry out any necessary money laundering, terrorism financing, fraud or other illegal activity checks before authorising any withdrawal of your funds, including in relation to returning any funds to you after you have closed your Skrill Account.

We recommend that you reclaim any funds in your Skrill Account as soon as possible after your Skrill Account is closed. You can upload funds by visiting the Website, logging into your Skrill Account and following the relevant upload instructions. You may be presented with a number of different upload methods, depending on which Payment Methods you have added to your Skrill Account and which Payment Methods are available in your country of residence.

Upload methods are payment services provided by third party financial institutions for example, the issuer of the payment card you use to upload funds or third party direct banking service providers and are not part of our service. We do not guarantee the use of any particular upload method made available, and may make changes to or discontinue the acceptance of any particular upload method at any time without following the procedure set out in section Notwithstanding section 8. You may be asked to answer security questions or to complete other activities that we or the payment service provider you use to upload funds to your Skrill Account may reasonably require to ensure proper authorisation of an upload transaction.

If you choose to upload funds using a Payment Method that may be subject to a right to claim funds back a "Chargeback" such as but not limited to credit or debit card or direct debit, you declare that you will not exercise such Chargeback other than for unauthorised use of the Payment Method or for a breach by us of these Terms of Use which would result in you having a right to a refund of the uploaded amount. Otherwise, you may not Chargeback any upload transaction or allow Chargeback of any upload transaction for reasons for which we are not responsible including but not limited to disputes with merchants for non-delivery of goods or services or insufficient balance on the Payment Method account.

We reserve the right to charge you fees and expenses we incur in connection with such Chargeback and any action undertaken to challenge the same. We may also charge you a Chargeback fee as displayed in the "Fees" section of the Website. You may allow a merchant that you wish to pay through us on a regular basis e. In this case you authorise us to debit the Payment Method e. In order to cancel recurring payments for the future, you should a contact us and b notify the merchant from which you have purchased the goods or services that you have cancelled the recurring payment.

Subject to section 8. We will refund any past recurring payment s initiated by or through the merchant provided that a the original authorisation given to us or the merchant did not specify the exact amount of the payment and b the amount of the payment exceeded the amount that you could reasonably have expected taking into account your previous spending pattern and the circumstances of the case. You must request such a refund within eight 8 weeks from the date the funds were debited from your Skrill Account. You agree to provide us with such information as is reasonably necessary to ascertain whether the conditions for a refund described in this section 8.

Within ten 10 Business Days of receiving a request for a refund or, where applicable, of receiving any further information we requested from you, we will either refund the full amount of the payment or provide you with justification for refusing to refund the payment indicating that you have a right to refer the matter to the Financial Services and Pensions Ombudsman details in section 21 if you do not accept the justification provided.

If a chargeback or reversal of an upload transaction results in a negative balance in your Skrill Account, you will be required to repay such negative balance by uploading sufficient funds into your Skrill Account. Failure to do so is a breach of these Terms of Use. Repayment of the negative balance is due immediately without notice. We reserve the right, at any time, to send you reminders or to take other debt collection measures including but not limited to mandating a debt collection agency or solicitors or to pursue the claim in court.

We reserve the right to charge you the expenses we reasonably incur in connection with any debt collection or enforcement efforts. Uploaded funds will be credited to your Skrill Account after the funds have been received by us. Some upload transactions, such as those by credit or debit card, direct debit or direct banking will be credited to your Skrill Account immediately, but are subject to reversal if the actual funds do not reach us within a reasonable time in which case we will deduct such reversed transaction from the balance of your Skrill Account.

If your Skrill Account balance is insufficient, we reserve the right to require repayment from you. For the purposes of an upload transaction through a Payment Method, we are an e-money issuer and will issue e-money in exchange for the uploaded funds.