Skrill

Skrill offers online payment and money transfer services, including a prepaid Visa card for spending. While it facilitates international money transfers and mentions 'low and transparent fees', it explicitly states a 'Skrill exchange rate' and a foreign exchange fee of up to 3.99%, which indicates it does not use the mid-market exchange rate without markup. It also doesn't clearly offer a multi-currency account for holding balances in dozens of currencies, but rather allows sending in 40 currencies. The focus seems to be more on digital wallet payments for online gaming/betting and person-to-person transfers rather than comprehensive multi-currency management for businesses or individuals requiring mid-market rates.