Payoneer fees explained: the annual fee, receiving, withdrawal and card costs

Payoneer is the default for freelancers and marketplace sellers in many countries, and its fees are the second most searched thing about it after the login page. The fees are spread over receiving, converting, withdrawing and the card. This guide lists each one from Payoneer's own pricing page, read on 1 November 2026.

Payoneer says its figures are estimates and vary by country, payment method and account type. Your own fees are in the Fees section of your account.

The annual account fee

Payoneer charges 29.95 USD a year only when the account receives less than 6,000 USD, or the equivalent, in 12 consecutive months. It is not charged in the first year for customers on paid annual plans.

If you receive more than 500 USD a month on average, you will normally not pay it. If you use Payoneer for one client a quarter, you probably will.

Fees to receive money

What you pay to receive depends on how the payer sends it.

The cheapest route by far is a client paying your local receiving details by bank transfer in the same currency.

Conversion and withdrawal fees

This is where most of the cost sits.

• Moving money between your own Payoneer balances in different currencies costs 0.50%.
• A same-country withdrawal in the local currency, where supported, costs 1.50 USD.
• A withdrawal that involves a currency conversion costs 1.2% to 4%.
• Some countries have minimum withdrawal fees of up to 20 USD.

The spread from 1.2% to 4% is wide, and it depends on your country. Check your own Fees page before you plan around it.

Card fees

A worked example: 5,000 USD

A designer in Pakistan is paid 5,000 USD by a US client into Payoneer USD receiving details, then withdraws to a PKR bank account.

1. Receiving: free, because it is USD into USD details.
2. Withdrawal with conversion: 1.2% to 4%, so 60 to 200 USD.
3. Annual fee: not charged, because the account receives more than 6,000 USD a year.

The total runs from 60 to 200 USD, plus whatever rate the conversion uses. The true cost of international payments guide explains how to compare rates as well as fees.

When a business account costs less

Payoneer is good at platform payouts. A registered company that bills clients directly often pays less with account details in its own name, a published FX margin, and no withdrawal step. On Rivet, USD details come with the free Starter plan, FX is from 0.80% on Starter and 0.50% on Growth, and there is no annual or withdrawal fee. The Payoneer vs Rivet comparison runs the numbers side by side, and Pricing lists every fee.