I’m sharing this experience, so you can take care.
I opened an account with Skrill (formerly moneybookers) about 10 years ago, they were a good option at the time for many countries, it was a personal account and I used it to withdraw money from my main envato account and other stockphotos markets sites.
Then they decided to change my account to a commercial (merchant) account although I don’t use it on a merchant website, but that was fine.
About a year ago, they suddenly prevented me from login to my account and asked me to some verification, I managed to pass this verification and got my account back after about 2 weeks but I decided not keep large amount of money in my balance because I started to lose my trust with them.
I withdraw all my balance and kept about $400 just in case I need to pay someone or buy something, I stop using it to receive payments from envato and other sites.
Recently, I was checking my skrill account and noticed that there is about 240 USD is missing from my balance, in transactions there was 100.00 EUR Fees (about $120) and the description says “Merchant service fee” that happens for 2 months.
I contact their support asking for fixing this and get my money back but they said that the account was used commercially therefore you were charged with the inactivity fee. I replied that there is no mention to such huge amount of fees neither in your fees page nor in the terms and conditions, and I asked them for any reference, they replied with the same previous reply and they said that the inactivity fee is non refundable.
I withdraw the remaining part of my money and I will not use Skrill again.