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Pick two e-wallets. We'll break them down.

Every number on this page comes directly from our 2026 reviews — so the fees, VIP thresholds and pros/cons you see here are the same ones we publish on each wallet's full review page. No drift, ever.

Wallet A

Wallet B

L

Luxon Pay

4.6/5

FCA-regulated · Since 2018

Best for: High-volume multi-currency players who want the lowest possible FX burn

The youngest FCA-regulated gambling e-wallet — and the only one that reaches genuinely zero FX fees at its top Noir VIP tier.

Open Luxon Pay accountFull Luxon Pay review
M

MiFinity

4.6/5

FCA + MFSA regulated · Since 2002

Best for: European and multi-currency players who want lower deposit fees than Skrill or Neteller

The cheapest mainstream e-wallet at the cashier — 1.8% card deposits, 2.99% FX, free verified-bank withdrawals, and casino acceptance that has doubled since 2023.

Open MiFinity accountFull MiFinity review

Head to head

Score
4.6 / 5
4.6 / 5
Countries
170
170
Currencies
30
18
Trading since
2018
2002

Fee schedule

Standard deposit
FreeAll VIP tiers
1.8%Verified customers · Free via virtual IBAN in EEA/UK
Bank withdrawal
FreeAll VIP tiers
Free
FX / currency conversion
2% Standard · 1% Classic · 0.5% Premium · 0% Noir
2.99%Flat rate for all users
ATM withdrawal
1%
—

Top VIP tier

Noir

€30,000+ merchant deposits / quarter

  • 0% FX rate (unique in the industry)
  • All withdrawals free
  • Physical Mastercard free
No tiered VIP programme — flat fees for every user.

Luxon Pay · Pros

  • 0% FX fee at Noir VIP — the lowest in the category
  • Free SEPA and UK Faster Payments withdrawals at all VIP tiers
  • Free merchant deposits and withdrawals across the board
  • Three-tier VIP programme with accessible €3,000/quarter entry point
  • FCA-regulated (UK Financial Conduct Authority, Luxon Pay Limited)

MiFinity · Pros

  • 1.8% on most EEA card deposits — the lowest of any mainstream wallet
  • 2.99% FX fee beats Skrill and Neteller's 3.99% at Standard tier
  • Free verified-bank withdrawals (no VIP required)
  • Free virtual IBAN for EEA and UK customers
  • Up to 9 multi-currency eWallets (Gaming, Forex, Travel, eCommerce categories)

Luxon Pay · Watch-outs

  • Smaller casino / sportsbook network than Neteller, Skrill or MiFinity
  • Card and instant-bank deposit fees apply at Standard and Classic VIP
  • No in-wallet crypto buy / sell product
  • Not available to US residents or sanctioned territories
  • Newer brand with less long-run track record than Paysafe wallets

MiFinity · Watch-outs

  • Casino coverage smaller than Neteller / Skrill (fewer sportsbooks)
  • Non-EEA card deposits jump to 2.5–4.5%
  • No prepaid Mastercard (unlike every major rival)
  • PayPal deposits cost a punishing 6.5%
  • 2.99% FX is still higher than Luxon Pay's 0% Noir VIP

Our verdict

Luxon Pay

Luxon Pay is a 2018-vintage London e-wallet that has quietly turned into the category's price leader for anyone willing to grind the VIP ladder. At Standard tier the economics are broadly Neteller-equivalent (2% FX, fees may apply on card deposits), but at Noir — reached via €30,000 in quarterly merchant deposits — every fee drops to zero: 0% FX, free cards, free ATM withdrawals on eligible transactions, free SWIFT. The poker-first legacy means coverage is deepest at GGPoker and the major Curaçao casinos (20Bet, HellSpin, Rizk), with integration accelerating at the Boomerang and 1x Entertainment stables through 2025–2026. Smaller merchant network than Neteller or Skrill but the fee savings are real for mid-to-high rollers.

MiFinity

MiFinity is the low-fee challenger that has finally moved from 'promising newcomer' to 'serious Neteller alternative' in 2026. The core pitch is simple: 1.8% on most card and SEPA deposits (vs Neteller's 2.5%), a 2.99% FX fee (vs 3.99% at Skrill/Neteller), free verified-bank withdrawals, and a multi-wallet architecture that lets you hold up to nine currencies side by side. The catch is casino coverage — still a tier below Neteller and Skrill, though the 2025–2026 integrations with 1x Entertainment, SkillOnNet and Boomerang brands have closed the gap meaningfully. No VIP programme means everyone pays the same prices, which is genuinely refreshing.

Deep-dive comparison articles

Long-form head-to-heads with real-world context beyond the fee grid. Great if you want the story, not just the numbers.

49 articles · updated 2026