Payoneer Fee Calculator
Calculate fees for receiving payments (credit card, ACH, PayPal), bank withdrawals, and international transfers. See what each Payoneer transaction type costs on Payoneer's published pricing with our free calculator.
Visit Official Payoneer WebsiteCredit Card Payment
up to 3.99% + $0.49
Paying or getting paid across borders?Wise Business isn’t a card processor. It’s for the other side of the money: hold and convert 40+ currencies, and pay overseas contractors or suppliers, with the fee shown before you convert.
See Wise BusinessAbout Payoneer Fees
Payoneer has been around since 2005, serving freelancers and businesses that need to move money across borders. If you're getting paid by international clients, selling on Amazon, or working through platforms like Upwork, Payoneer is probably one of your payment options.
Most of what Payoneer earns comes from two moments: when money arrives, if your client pays by card, and when it leaves, if it changes currency on the way to your bank. A client who pays by US bank debit, followed by a withdrawal in the same currency, keeps both small. A card payment that is converted on the way out pays at both ends.
Two smaller charges catch out occasional users: the annual account fee, which falls on accounts that receive little in a year, and the card's ATM fee, which makes the Payoneer card an expensive way to get cash.
Payoneer Fees at a Glance (2026)
| Receive by credit card | up to 3.99% + $0.49 |
| Receive by ACH bank debit (US) | 1% |
| Receive via PayPal (US) | up to 3.99% + $0.49 |
| Receiving account in another currency | 1% (min $1.00); free in your local currency |
| Receive from a marketplace (Upwork, Fiverr) | Varies by marketplace |
| Receive from another Payoneer user | Free |
| Bank withdrawal (same country and currency, listed countries) | $1.50 |
| Bank withdrawal in local currency, elsewhere | 1.2%–4% (minimum up to $20 in some countries) |
| Bank withdrawal (different currency) | 1.2%–4% |
| ATM withdrawal | $3.15 + up to 1.8% (up to 3.5% with conversion) |
| Send to another Payoneer user | up to $4.00 (same country); up to 1% + $4.00 (another country) |
| Card purchases | up to 1.8% (free in the card's issuing country); up to 3.5% with conversion |
| Currency conversion | 0.5% between balances; up to 3.5% on the card |
| Annual account fee | $29.95 (only if you receive under $6,000 in 12 months) |
| Annual card fee | $29.95 |
| Card replacement | $12.95 (€9.95 / £9.95) |
| Monthly fee | Typically $0 (some regions require an annual plan; a registration fee may apply in certain countries) |
Payoneer publishes most of these as maximums that vary by country, currency and corridor; the exact fee is shown before you confirm. For certain US accounts the $1.50 withdrawal fee covers up to $50,000 a month, with up to 0.5% above that. Verify current rates on Payoneer's pricing page.
How Payoneer Fees Are Calculated
Payoneer charges at the points where money changes hands: on the way in, between accounts, and on the way out. A single payment can therefore pay twice, once when your client sends it and again when you withdraw it, and the example below follows one card payment through both steps.
Real Example - Freelancer Getting Paid:
Client pays you $1,000 via credit card:
- • Client payment: $1,000
- • Payoneer fee (up to 3.99% + $0.49): -$40.39
- • Balance in your account: $959.61
- • Bank withdrawal fee (a US bank, in dollars): -$1.50
- • Final amount in your bank: $958.11
Total cost: $41.89 (4.19% of $1,000).
Using the Payoneer Fee Calculator
The calculator prices one step at a time. To see what a client's payment leaves in your bank, run it twice: first with the way your client pays, then with the withdrawal you plan to make, on the amount the first step left you.
Where Payoneer gives a fee as a range or a maximum, the calculator charges the top of it, so the fee Payoneer shows you at checkout can only match the result or come in under it.
Comparing Payoneer with Other Payment Platforms
On a card payment, Payoneer's receiving fee of up to 3.99% + $0.49 sits beside 3.49% + $0.49 through PayPal Checkout or Guest Checkout and 2.99% + $0.49 for PayPal's standard credit and debit card payments, with 1.5% more on an international payment; price a card processor on our Stripe calculator. Payoneer earns its place after the payment instead: receiving accounts in other currencies, and payouts straight from the marketplaces.
Paid through Deel? Withdrawing your Deel balance to Payoneer costs 1%, min $12 on Deel's side, from $50; the Deel fee calculator compares it with Deel's other withdrawal methods.
If you sell on Amazon or Etsy from the UK or Europe, WorldFirst does much the same job as Payoneer: its World Account takes marketplace payouts free in 20+ currencies, and the WorldFirst fee calculator prices what it charges to send that money on. WorldFirst doesn't take US-based businesses directly. For the wider choice, including when a card gateway or an ordinary bank wire makes more sense, see our guide to accepting international payments.
Payoneer vs Competitors:
Payoneer Advantages:
- • Free to receive from other Payoneer users
- • Get paid in 70+ currencies
- • Marketplace integrations (Amazon, Upwork)
- • Mass payout capabilities
- • Typically no monthly fee for active accounts
- • Local receiving accounts globally
Payoneer Disadvantages:
- • A card payment costs several times what a bank debit does to receive
- • Most fees are published as maximums, so the exact price shows only at checkout
- • An annual fee on accounts that receive little
- • Not built for paying friends or everyday spending
- • Account verification can be lengthy
Tips to Save on Payoneer Fees
Use Account-to-Account
A client who already has a Payoneer balance can pay you from it, and you receive the whole amount; the sending fee is theirs. Ask before they reach for a card.
Avoid Currency Conversion
Hold each currency in its own balance and withdraw it to a bank account in that currency where you have one. Converting only when you need to spend the money saves the 1.2%–4% a cross-currency withdrawal costs.
Batch Withdrawals
The $1.50 withdrawal fee in the listed countries is flat, so it weighs most on small withdrawals: four weekly withdrawals pay it four times, while one monthly withdrawal of the same money pays it once.
Avoid the Annual Account Fee:
If you use Payoneer only now and then, this is the fee to watch: route enough income through it to clear the threshold in the table, or close an account you no longer need.
Factor Fees Into Your Rates:
As a freelancer or business, increase your rates to account for Payoneer's receiving fee. If you need to net $1,000 from a card payment (up to 3.99% + $0.49), quote $1,042.07 to cover the transaction cost.
Frequently Asked Questions
How much does Payoneer charge for payments?
Most of it depends on how your client pays you: up to 3.99% + $0.49 by credit card, 1% by US ACH bank debit, up to 3.99% + $0.49 through PayPal, and nothing when the money comes from another Payoneer balance. Getting it out to your bank is a separate charge, from a flat $1.50 in the countries Payoneer lists.
What are Payoneer international transfer fees?
A client abroad can pay into one of your Payoneer receiving accounts in their own currency, which costs 1% (min $1.00) unless that currency is your local one, and the money then waits in that currency until you decide what to do with it. Paying a Payoneer user in another country costs up to 1% + $4.00. The conversion itself is priced on its own, at the moment the money changes currency.
Does Payoneer charge monthly fees?
Payoneer says opening an account typically does not require a monthly subscription fee. There is an annual account fee of $29.95, charged only if your account receives less than $6,000 (or equivalent) in 12 consecutive months. Some account types in some regions require an annual plan, and in certain countries a registration fee may apply; Payoneer shows both during registration.
How do Payoneer withdrawal fees work?
A withdrawal to a bank in your own country, in its currency, in the countries Payoneer lists (the US, the EU, the UK, Canada, Australia, Japan, the Philippines and others) costs $1.50 (e.g., USD to USD in the US). In countries not on Payoneer's list (India and Pakistan, for example) the flat fee does not apply: a withdrawal to a bank in the recipient's local currency costs 1.2%–4%, and in some countries a minimum fee of up to $20 may apply. For certain US accounts that flat fee covers up to $50,000 of withdrawals and payments a month, and above that a fee of up to 0.5% applies. A withdrawal in a different currency costs 1.2%–4% instead, depending on the corridor.
How much does Payoneer charge for $1,000?
It depends on how the money moves. If a client pays you $1,000 by credit card, Payoneer takes up to 3.99% + $0.49 ($40.39); by US ACH bank debit it is 1% ($10.00), and a dollar withdrawal to a US bank then leaves you $988.50. Marketplaces such as Upwork or Fiverr take their own fees before the money reaches Payoneer at all.
What is the Payoneer currency conversion fee?
Payoneer's currency conversion fee depends on the operation. Moving money between your own Payoneer currency balances costs 0.5%; withdrawing to a bank account in a different currency costs 1.2%–4% depending on the corridor; and a card transaction in another currency costs up to 3.5%. Payoneer shows the exact charge before you confirm.
What is the Payoneer-to-Payoneer transfer fee?
It is free to receive and costs the sender: up to $4.00 when the recipient is in the same country and up to 1% + $4.00 when they are in another one. Those are ceilings, and Payoneer shows the exact fee before the sender confirms.
What are Payoneer's card and ATM fees?
The Payoneer card has an annual card fee of $29.95. ATM withdrawals cost $3.15 in the US (EUR 2.50 / GBP 1.95) per transaction plus up to 1.8%, or up to 3.5% when a currency conversion is involved, and a replacement card is $12.95. Card purchases cost up to 1.8% without a currency conversion (free where the merchant is in the country that issued the card) and up to 3.5% with one.
Last Updated: Fees checked October 2026 against Payoneer's pricing page | Payoneer fees are subject to change. Always verify current rates on the official Payoneer website before making financial decisions. How we check figures
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