Whether to use an E-Wallet or a debit or credit card depends mostly on what you want to get out of your payment method, and your bank. E-Wallets tend to process faster than most bank transactions, however, despite their assurances, they have less advanced safeguards in place than banks do. E-Wallets are also subject to sites going down, errors in processing and possible hidden fees. While your bank may also attract fees for certain transactions, these are often far easier to navigate. If you favour speed over security and value, then you should choose an E-Wallet.