Top e-Wallets in 2025

Payeer  

It is a universal e-wallet for storing funds in dollars, euros, as well as Bitcoin, Ethereum, USDT, and other cryptocurrencies. Users can make instant transfers and exchanges, as well as trade digital assets on the spot market through the built-in exchange. You can register an account anonymously, but verification is required to increase transaction limits. The mobile app is convenient for daily operations.

Payeer operates globally, supporting transactions in over 200 countries. It is also available in Ukraine, but restrictions apply. For example, deposits and withdrawals can only be made using the Volet service and crypto wallets. However, if you need to transfer dollars from Payeer to a card or cash, you can use ObmenAT24 services. The same methods are available for deposits. 

Payoneer  

Payoneer is another convenient service for managing finances, ranking among the top e-wallets. The service is most popular among Ukrainian freelancers and businesses working with international clients. With Payoneer, you can: 

• receive payments from marketplaces and platforms (Amazon, Upwork, Fiverr); 
• store funds in different currencies and withdraw them to Ukrainian banks; 
• apply for virtual and physical cards; 
• make bulk payments; 
• issue invoices and pay supplier bills. 

Transfers between users within the system are instant, and withdrawals to bank accounts take 1–3 days. Commissions range from 1% to 3%. The service complies with international security standards, two-factor authentication, and 3D Secure. 

Capitalist 

It is a multi-purpose payment system for businesses and private users, available in Ukraine and worldwide. The service allows you to quickly transfer money to bank accounts, e-wallets, and crypto wallets, as well as issue virtual cards and manage multi-currency accounts (USD, EUR). 

For businesses, Capitalist offers integration with websites and marketplaces, bulk payments to contractors, and transaction analytics. Users can work with cryptocurrencies (BTC, ETH, USDT, USDC), convert assets within the wallet, and keep track of transactions. 

There are no fees for account replenishment and transfers within the Capitalist platform. 2% is charged for transfers to Ukrainian bank cards, and 2–3% for third-party services (e.g., Payoneer). 

Through ObmenAT24, you can top up Capitalist from a hryvnia Visa/Mastercard, as well as using cash and cryptocurrency.  

We provided more details about the Capitalist payment system here. 

Revolut 

The rating of the best e-wallets also includes the Revolut neobank, which has been available to Ukrainian users since February 2025. The service offers multi-currency accounts, physical and virtual cards, fast transfers, currency exchange, and cryptocurrency transactions. 

There are some features and restrictions for Ukrainians: the service does not yet have an NBU license, so hryvnia accounts are not available, and registration of new customers has been suspended. Deposits can only be made from currency cards (EUR or USD), and outgoing transfers are limited to UAH 100,000 per month from a single card. 

Withdrawals to Ukrainian cards and accounts are made via SWIFT, but you can also withdraw euros from Revolut to cryptocurrency via ObmenAT24.

Revolut is convenient for freelancers, businesses, and Ukrainians who receive income from other countries, as well as for users temporarily residing abroad. 

Volet  

This is a unique financial hub that allows you to transfer money to other users, including abroad via SWIFT (30+ currencies), make bulk payments without commission, and buy or sell cryptocurrency (BTC, ETH, BNB, SOL, POL, AVAX, LTC, XRP, DASH, and others).  

You can top up your account and withdraw money by a bank transfer, using a Visa/MasterCard currency card (USD, EUR), cryptocurrency, and cash using ObmenAT24.

Volet is suitable for personal payments and business. For convenient payments, you can apply for a prepaid virtual or plastic card.  

Wise  

It is an international transfer service operating in 160+ countries and regulated by the FCA (UK). It uses a P2P model, enabling you to send money abroad at the interbank rate without hidden fees.

The service is available to Ukrainians, but restrictions apply due to currency controls imposed by the NBU. Since 2023, you cannot send UAH directly, and the transfer limit is 100,000 UAH per month. Multi-currency accounts and card issuance are also not yet available in our country. Wise international transfers are made in EUR and USD via SWIFT. The transfer speed depends on the currency and country, from a few minutes to 2–3 business days. 

Despite the restrictions, Wise remains on the list of "Best e-wallets in Ukraine" thanks to its fair exchange rate, transparent fees, and security. 

PayPal 

It is one of the most famous e-wallets worldwide, operating in over 200 countries. The service allows you to pay for purchases abroad, subscriptions, and services, as well as send and receive transfers from foreign clients and partners. The commission for international transactions to Europe, the US, and Canada is EUR 1.99 + 3.4%. 

There are special features for Ukrainian users. UAH is not supported within the wallet, so all transactions are converted into available currencies (USD or EUR). You cannot top up your balance in Ukraine directly from a card or bank account, but you can receive transfers from other wallet users or exchange cash USD to PayPal USD through ObmenAT24. You can withdraw money to a bank card, but such a transfer will be made with a conversion (3-4% fee). 

UnionPay 

UnionPay is a Chinese international payment system operating in 180+ countries. It issues cards (debit and credit) that are accepted at many ATMs and retail outlets worldwide. For Ukrainians, it is an alternative to Visa and Mastercard: it can be used to pay for purchases online and offline, as well as to withdraw cash abroad. The main drawback is limited support in Ukraine and a few partner banks. 

Alipay

Alipay is China's largest e-wallet and mobile payment ecosystem. It is integrated into marketplaces such as AliExpress and supports payments in millions of stores worldwide. The service is convenient for online shopping, transfers, and working with QR codes. Access is limited for users from Ukraine: the wallet cannot be topped up directly in hryvnia, but it can be used for purchases on Chinese platforms where Alipay is connected as a payment method. 

What Is an e-Wallet? 

An e-wallet is a digital tool for storing and using money online. It functions as a virtual equivalent of a bank account or card, but with significantly broader functionality. Opening a wallet and making a transfer is faster, cheaper, and more convenient than going through a financial institution. 

The Essence of e-Wallets: Why Are They Needed? 

Electronic services provide more convenient and faster online payments. They are in demand among freelancers, online business owners, online shoppers, and crypto investors. With their help, you can safely receive payment for services, transfer funds abroad, pay for goods, and store and convert currencies in one account. 

Types of e-Wallets 

E-wallets come in many forms, from simple money storage services to multifunctional platforms with cards and cryptocurrency support. Each format serves its purpose: some people choose a wallet for online shopping, others opt for one for international transfers, business, or working with digital assets. The key is to choose the option that suits your goals. 

Anonymous wallets 

These services allow you to make payments without providing personal data. Registration is conducted without documents or identity verification, meaning transactions remain anonymous. Volet, Payeer, and Capitalist can also function as anonymous e-wallets (without a passport) in 2025. This is convenient for those who value privacy, but it is important to consider the limitations. For example, Capitalist does not allow withdrawals without verification, and Payeer has a daily transaction limit of $999. 

An e-wallet with a card 

Some payment systems issue their own cards linked to an e-wallet. It's convenient: you can freely transfer funds between your card and wallet, pay for purchases online, and withdraw cash worldwide. Virtual cards supporting different currencies are often available, making such solutions particularly advantageous for travel and online shopping. 

The list of "E-wallets in Ukraine 2025" also includes services with cards, including Payeer, Payoneer, Capitalist, Revolut, and Volet. 

Which e-Wallet Should You Choose? 

First, you need to figure out which e-Wallets work in Ukraine and what restrictions they have. You should make your choice based on your needs. If you work on freelance exchanges or trading marketplaces, Payoneer is the most convenient option — it is officially connected to the platforms and allows you to receive payments quickly. For cryptocurrency transactions, Payeer, Capitalist, or Volet are more suitable — they support BTC, ETH, and other top coins. If you make frequent transfers, pay attention to wallets with low or zero commissions within the system. 

How to Create an e-Wallet? 

Registration usually takes 3-5 minutes: 

1. Go to the website or download the app. 
2. Click "Register." 
3. Enter your email or phone number. 
4. Fill out a short form. 
5. Confirm your details via SMS or email. 
6. Save your login details in a safe place.  

Most services allow you to start working immediately after registration. However, to withdraw large amounts, you must undergo verification — upload a photo of your passport or other document. It is a standard security measure and protection against fraud. 

How to Deposit Money into an e-Wallet? 

You can deposit money in different ways: 

• From a bank card directly in the app; 
• Via internet banking (Privat24, Monobank, Oschad24); 
• In cash via terminals or partner networks; 
• By transfer from a mobile account; 
• From a crypto wallet. 

The list of available methods varies by country. Some international wallets, such as PayPal, do not allow you to top up your balance directly from Ukraine — only another user can transfer funds to you. 

How to Withdraw Money from an e-Wallet? 

The main options are: 

• to a bank card (Visa, MasterCard, UnionPay); 
• to cryptocurrency via exchanges or converters; 
• to accounts of other payment systems (for example, from Payeer to Volet). 

Withdrawals are almost always subject to a commission, the amount of which depends on the service. 

Need to exchange Payoneer USD to cash quickly?
Through ObmenAT24, you can make withdrawals conveniently, securely, and with minimal fees. We also work with Payeer, Volet, Capitalist, Wise, and other e-wallets.