Payoneer Fee Calculator

Guide

About the Payoneer Fee calculator

Our Payoneer fee calculator is a free tool that shows what Payoneer takes when you get paid and how much actually reaches your balance. Payoneer is a favourite of freelancers, agencies and online sellers who get paid by overseas clients and marketplaces — but its fees vary a lot depending on how the money arrives, which makes the real cost easy to misjudge. Pick how you're paid, enter the amount, and see the fee and your net instantly.

Payoneer's fee depends on how you're paid

The single most important thing to understand about Payoneer is that there isn't one fee — there are several, and the method decides which applies. Receiving into a local-currency receiving account (your US, UK, EU or other receiving details), getting paid out by a marketplace such as Upwork, Fiverr or Amazon, or receiving from another Payoneer account is typically free. A client who pays you via ACH bank debit in the US, or by a regular bank transfer, is charged about 1%. The costly route is asking a client to pay a Payoneer "payment request" with a credit/debit card or PayPal — that carries a 3.99% + $0.49 fee. Selecting the right method above gives you the accurate figure for your situation.

Currency conversion

If the money arrives in one currency and you need it in another, Payoneer converts your balance at a 0.5% fee above the mid-market rate — far cheaper than most banks. Toggle the conversion option to include it. Note this 0.5% applies to converting between your own Payoneer balances; if instead the conversion happens at the moment you withdraw to a foreign bank, it's bundled into the withdrawal fee band below rather than charged separately, so the calculator doesn't double-count it.

Withdrawing to your bank — why it's a range

Receiving money is only the first step; moving it to your own bank account has its own cost, and this is where Payoneer is genuinely hard to pin to a single number. Withdrawing to a bank in the same currency as your balance is a flat $1.50. Withdrawing in a different currency — which involves a conversion — runs roughly 1.2% to 4% depending on the currencies and country, and Payoneer doesn't publish a fixed figure per route. Rather than show false precision, we model the receiving fee exactly and tell you the withdrawal band; Payoneer always displays your exact withdrawal fee before you confirm, so check it there.

Who this tool is for

Freelancers comparing how to ask clients to pay (card versus bank transfer can be a 3-point swing), agencies budgeting the cost of getting paid by international clients, and sellers reconciling marketplace payouts all use this to see Payoneer's real cut. It's especially useful for deciding payment methods: steering a client from a card payment request to an ACH or bank transfer can save nearly 3% on every invoice. Everything runs in your browser with no signup.

Accuracy and important notes

Payoneer updates its fee schedule periodically — the current schedule moved to a flat $1.50 same-currency withdrawal and a $29.95 annual account fee — so we store every rate in a dated file and stamp it with a "last verified" date. Remember the annual account fee ($29.95) applies only if you receive below a country-dependent threshold (commonly $2,000–$6,000) in a year, and Payoneer card holders pay separate card and ATM fees; these are periodic, not per-payment, so they're explained here rather than baked into each transaction. Always confirm the exact figure in your Payoneer account before relying on it, but for a fast, honest estimate of what you'll keep when you get paid, this calculator gives you a clear answer in seconds.