If you want the lowest typical FX markup, start with Wise (mid-market rate; conversion fee shown upfront). For a feature-packed super-app, choose Revolut. PayPal is everywhere but conversion fees can apply. Skrill suits gaming/online payments with 40+ currencies. For self-custody crypto, pick Trust Wallet (huge multi-chain support) or Crypto.com Onchain Wallet (non-custodial with DeFi tools). Ratings and currency counts are pulled from official app-store and product pages cited below.
How we selected (methodology)
- Verified current store ratings on Google Play and/or Apple App Store (Aug 2025).
- Checked currency support, fees language, and security/regulatory notes on official pages.
- Cross-referenced mainstream editorial roundups to align with market consensus.
The Top 6 Multi-Currency Digital Wallets (2025)
1) Wise — best overall for low, transparent FX
User rating snapshot: 4.7★ on Google Play, ~1.42M reviews; 10M+ downloads.
Currencies & core features: Hold and convert 40+ currencies; mid-market exchange rate; multi-currency card; local account details in multiple regions.
Fees & rates: Wise uses the mid-market rate with a clearly shown conversion fee (no hidden rate markup).
Best for: Global travelers, freelancers, and anyone who prioritizes price transparency over “bundled” perks.
Watch-outs: ATM fees/limits and some regional availability nuances (varies by country—see app notes).
2) Revolut — best all-round super-app (travel, budgeting, investing)
User rating snapshot: 4.5★ on Google Play, ~3.56M reviews; 50M+ downloads.
Currencies & core features: Request or send in 25+ currencies, travel spending with competitive rates, budgeting/analytics, vaults, junior accounts. U.S. disclosures and FCA e-money authorization noted in app listing.
Fees & rates: Competitive FX; exact fees/allowances depend on tier (Standard vs Premium/Metal). App notes indicate fees may apply.
Best for: Users who want everything in one app (travel money, cards, analytics, investing).
Watch-outs: Tiered pricing and fair-use limits; customer-support variability (see store reviews).
3) PayPal — best for ubiquitous acceptance
User rating snapshot: Apple App Store 4.8★ (6.3M ratings); Google Play 4.3★, 100M+ downloads.
Currencies & core features: PayPal supports 25 currencies globally; excellent merchant acceptance; robust P2P and checkout.
Fees & rates: Currency conversions typically include a percentage added above the base rate (varies by market); PayPal documents this on consumer-fees pages.
Best for: Everyday online checkout and P2P where acceptance matters most.
Watch-outs: FX markups can be higher than mid-market; review fees before converting.
4) Skrill — best for online payments with 40+ currencies
User rating snapshot: 4.6★ on Google Play, ~222K reviews; 10M+ downloads.
Currencies & core features: Hold/manage multiple currencies and exchange 40+ within the wallet; fast online payments and international transfers; loyalty (Knect).
Fees & rates: Described as competitive rates; specifics vary by corridor and method—check before converting.
Best for: Gaming/online merchants and multi-currency spending without a bank tie-in.
Watch-outs: Feature availability varies by jurisdiction; always confirm local terms.
5) Trust Wallet — best for self-custody and massive multi-chain support
User rating snapshot: 4.5★ on Google Play, ~2.39M reviews; 50M+ downloads.
Currencies & core features: Self-custody wallet supporting 100+ blockchains and 10M+ assets, plus NFTs and in-wallet dApp/browser.
Security notes: You control the keys (non-custodial). Good practices are essential (back up seed phrase, avoid phishing).
Best for: Users who want on-chain control across many networks.
Watch-outs: No centralized recovery—you are responsible for keys and backups.
6) Crypto.com Onchain Wallet (DeFi) — best for DeFi tools and staking
User rating snapshot: 4.6★ on Google Play, ~41K reviews; 1M+ downloads.
Currencies & core features: Non-custodial wallet with multi-chain support, token swaps, DeFi access, staking; integrates with the broader Crypto.com ecosystem.
Best for: Crypto users who want a mobile DeFi hub with a polished UI.
Watch-outs: On-chain actions incur network fees; self-custody requires good security hygiene.
Quick comparison (at a glance)
| Wallet | Store rating (primary) | Multi-currency highlight | Ideal for |
|---|---|---|---|
| Wise | 4.7★ (Google Play) | Hold/convert 40+ currencies at the mid-market rate | Low-cost FX, travel, freelancers |
| Revolut | 4.5★ (Google Play) | Request/send 25+ currencies with a feature-packed app | Super-app convenience |
| PayPal | 4.8★ (App Store), 4.3★ (Google Play) | 25 currencies + ubiquitous checkout | Universal acceptance |
| Skrill | 4.6★ (Google Play) | 40+ currencies with online payments and transfers | Gaming/online spenders |
| Trust Wallet | 4.5★ (Google Play) | 100+ blockchains, 10M+ assets (self-custody) | Web3/DeFi users |
| Crypto.com Onchain | 4.6★ (Google Play) | Multi-chain, DeFi, staking (self-custody) | DeFi power users |
Citations: (Google Play, Apple)
What to look for in a multi-currency wallet (buying guide)
- Exchange rate policy: Mid-market with a separate fee (e.g., Wise) vs. markup baked into the rate (common with PayPal conversions). This is the single biggest cost driver.
- Currency coverage: Ensure the currencies you actually need are supported (e.g., 40+ at Wise, 40+ at Skrill; 25 at PayPal).
- Custody model (crypto): Centralized convenience vs self-custody responsibility (Trust Wallet/Crypto.com Onchain).
- Cards & spending limits: Check ATM fees, monthly allowances, and fair-use terms.
- Regulatory posture & safety: Look for clear disclosures (e.g., Wise MSB/Fincen note; Revolut FCA e-money authorization) and use built-in security (2FA, biometrics).
- Independent picks: Editorial lists (Money.com, NerdWallet) are helpful context for reputation and features.
Frequently asked questions
Which wallet has the lowest typical FX cost?
Wise is widely recognized for using the mid-market rate and showing a separate conversion fee—so you see the real rate and the fee upfront.
Why do some wallets feel more expensive when I convert?
Many providers add a rate markup over the base exchange rate. PayPal documents percentage add-ons for currency conversion on its fee pages; exact amounts vary by market.
How current are the ratings?
All ratings above were taken from the official app listings on August 19, 2025 (Kuala Lumpur time).
Editor’s picks by use case
- Best overall transparency: Wise.
- Best “one-app-does-it-all”: Revolut.
- Best acceptance at checkout: PayPal.
- Best for online gaming/merchants: Skrill.
- Best for on-chain power users: Trust Wallet or Crypto.com Onchain (self-custody).
References (key sources)
- App-store listings for Wise, Revolut, Skrill, PayPal, Trust Wallet, Crypto.com Onchain (ratings, features).
- Official docs: Wise mid-market rate & pricing; PayPal currency-conversion fee pages.
- Editorial roundups: Money.com, NerdWallet (contextual validation).
