Best Digital Wallets — Pay, Send & Store Money Online
Digital wallets work on any internet-enabled device — desktop, tablet, or smartphone. Compare the top platforms for online payments, international transfers, and multi-currency accounts.
Works on any device
Desktop, laptop, tablet, or phone — no NFC chip required.
Built for online & cross-border payments
Send money internationally, pay in e-commerce stores, hold multiple currencies.
Different from mobile wallets
Mobile wallets use NFC for in-store tap-to-pay. Digital wallets focus on online and app-based payments.
Top 10 Digital Wallets Compared
PayPal
The world's most trusted digital wallet
PayPal works on any internet-enabled device — desktop, tablet, or phone. Send money, pay online, and receive payments globally. With 430M+ active users, it's the dominant digital wallet for e-commerce worldwide.
Skrill
Send, spend and exchange in 40+ currencies
Skrill is a digital wallet built for international payments, online shopping, and currency exchange. Popular with traders, freelancers, and anyone making cross-border payments.
Klarna
Pay now, pay later — your way
Klarna is a digital wallet and buy-now-pay-later platform accepted at over 500,000 online retailers. Split purchases into interest-free installments or pay in full with a single tap.
Revolut
The all-in-one digital finance app
Revolut is a full-featured digital wallet and neobank. Hold and exchange 30+ currencies, send money internationally, invest in stocks and crypto — all from one app on any device.
Venmo
The social way to pay and get paid
Venmo is the go-to digital wallet for splitting bills, paying friends, and shopping online in the US. Owned by PayPal, it combines payments with a social feed.
Wise
Mid-market rates, zero hidden fees
Wise (formerly TransferWise) is a digital wallet and money transfer service that holds 40+ currencies at the real exchange rate. Ideal for international freelancers, expats, and businesses.
Neteller
Fast digital wallet for global payments
Neteller is a digital wallet popular for online gaming, forex, and international payments. Send money, pay online, and withdraw to your bank in 200+ countries.
Payoneer
The freelancer & marketplace payment wallet
Payoneer is the digital wallet of choice for freelancers, agencies, and marketplace sellers. Receive payments from platforms like Amazon, Upwork, Fiverr, and Airbnb directly into your Payoneer balance.
Alipay
Asia's leading digital payment ecosystem
Alipay is one of the world's largest digital wallets with 1B+ users, dominant in China and expanding globally. Pay in stores, send money, earn interest, and access financial services all in one app.
Zelle
Bank-to-bank transfers in minutes
Zelle is a US digital payment network built directly into most major bank apps. Send money directly to any US bank account using just an email or phone number — no fees, instant delivery.
Digital Wallets vs Mobile Wallets — What's the Difference?
A digital wallet is a broad category of payment technology that stores your card details, bank account information, and funds digitally — accessible from any internet-enabled device including desktops, laptops, tablets, and smartphones.
A mobile wallet is a specific type of digital wallet designed for smartphones and wearables, equipped with NFC (Near Field Communication) technology that enables contactless in-store payments — like tapping your phone at a checkout terminal.
In practice, digital wallets like PayPal, Skrill, and Wise are primarily used for online shopping, international money transfers, and cross-border commerce. They work from your browser and don't require a specific phone model or operating system.
How to Choose a Digital Wallet
- →Online shopping: PayPal and Klarna are widely accepted at e-commerce stores worldwide.
- →International transfers: Wise and Revolut offer the best exchange rates for sending money abroad.
- →Freelancers & marketplaces: Payoneer is built to receive payments from platforms like Amazon, Upwork, and Fiverr.
- →P2P & social payments: Venmo and Zelle are ideal for splitting bills and paying friends instantly.
- →Trading & crypto: Skrill and Neteller are popular for funding trading accounts and crypto exchanges.
Looking for in-store tap-to-pay? Compare NFC mobile wallets instead.
View Mobile Wallets →