Europe’s first FCA-regulated e-money issuer, London based Skrill has been at the top of the payment service provider charts for years. Serving a global audience, this desktop and app service charges a 1.45% fee for money transfers. They also charge 3.99% for currency conversion. Other fees are your own credit card or bank fees. You have to log in at least once a year (!), otherwise Skrill also charge you £3 every month. For e-commerce accounts, this should not be a problem. Highly recommended.