Payoneer: fees, availability and limits
A cross-border payments service for businesses, freelancers and online sellers: you receive payments from clients and marketplaces into a Payoneer account and withdraw to a bank account.
Every fact on this page was checked against its source on October 14, 2026. Official website
Availability by country of residence
Türkiye
Not verifiedWe found no official Payoneer page that says whether residents of Türkiye can open an account or withdraw TRY to a local bank. Payoneer lists TRY only among currencies it can receive by SWIFT wire.
United Arab Emirates
Not verifiedWe found no official Payoneer page that says whether UAE residents can open an account. AED is listed as a currency you can receive by local transfer.
Saudi Arabia
Not verifiedWe found no official Payoneer page that says whether residents of Saudi Arabia can open an account, and SAR is not listed among receiving currencies.
Egypt
Not verifiedWe found no official Payoneer page that says whether residents of Egypt can open an account, and EGP is not listed among receiving currencies.
Company and regulation
Payoneer says it is regulated in 8 jurisdictions and is not a bank or deposit-taking institution.
Source: Payoneer: Global business account, read October 14, 2026Payoneer says customer funds are held in segregated accounts, separate from its own operating accounts.
Source: Payoneer: Global business account, read October 14, 2026In the United States, Payoneer is registered with FinCEN as a Money Services Business.
Applies to: United States
Source: Payoneer: Multi-jurisdictional licenses, read October 14, 2026Payoneer lists its licensed jurisdictions as the US, EU, UK, Hong Kong, Japan, Australia and Singapore.
Source: Payoneer: Multi-currency business account (receiving accounts), read October 14, 2026Not all Payoneer products are available in all jurisdictions in the same way.
Source: Payoneer: About Payoneer, read October 14, 2026
Receiving money
Payoneer offers receiving account details in 22 currencies.
Source: Payoneer: Multi-currency business account (receiving accounts), read October 14, 2026Payoneer says it connects directly with marketplaces such as Amazon, Walmart, eBay, Upwork and Fiverr.
Source: Payoneer: Receive payments, read October 14, 2026Clients can pay by wire, ACH, local bank transfer and other methods.
Source: Payoneer: Receive payments, read October 14, 2026Some account types in some regions require a paid Annual Plan; Payoneer does not name the regions on its pricing page.
Source: Payoneer: Pricing, read October 14, 2026
Fees
Payoneer says prices and fees can differ by territory, account type and sign-up channel; the fees that apply to you are shown when you register.
Source: Payoneer: Pricing, read October 14, 2026Receiving money through a receiving account that is not in your local currency costs 1% (minimum 1.00 USD or equivalent).
Source: Payoneer: Pricing, read October 14, 2026Marketplace payments: the fee varies by marketplace.
Source: Payoneer: Pricing, read October 14, 2026When a client pays by credit card, the fee is up to 3.99% + 0.49 USD or equivalent.
Source: Payoneer: Pricing, read October 14, 2026Currency conversion rates are based on wholesale market rates at the time of the transaction.
Source: Payoneer: Pricing, read October 14, 2026An annual account fee of 29.95 USD applies only if the account receives less than 6,000.00 USD or equivalent in any 12 consecutive months.
Source: Payoneer: Pricing, read October 14, 2026
Withdrawing money
Withdrawing to a bank account in the same country, in local currency, costs 1.50 USD in supported countries.
Source: Payoneer: Pricing, read October 14, 2026Withdrawals in another currency or with currency conversion cost 1.2%–4%, and in some countries a minimum fee of up to 20.00 USD or equivalent may apply.
Source: Payoneer: Pricing, read October 14, 2026If currency conversion applies to a withdrawal, the fee is included in the rate.
Source: Payoneer: Withdraw funds to a local bank account, read October 14, 2026Payoneer says most withdrawals reach the local bank account within two business days.
Source: Payoneer: Withdraw funds to a local bank account, read October 14, 2026In some regions local rules require a same-day automatic withdrawal to your default bank account.
Source: Payoneer: Withdraw funds to a local bank account, read October 14, 2026
Verification
New accounts are typically reviewed and activated within three business days.
Source: Payoneer: Withdraw funds to a local bank account, read October 14, 2026
Limits, holds and checks
Payoneer does not serve some lines of business (its restricted and prohibited list), though it may pre-approve some of them.
Source: Payoneer: Restricted and prohibited businesses, read October 14, 2026
What we could not verify
- Whether residents of Türkiye, the UAE, Saudi Arabia and Egypt can open an account and withdraw in their local currency: Payoneer’s help centre pages that may answer this refuse automated reading, and we have not yet checked them by hand.
- The exact withdrawal fee for each country: Payoneer shows it in the account before you confirm.
- Which annual-fee threshold applies to which account: Payoneer’s help centre gives a different threshold from the pricing page.
We have no affiliate or business relationship with Payoneer.
Seen a change on Payoneer’s pages? Tell us through the contact page and we will re-check the source.
This is general information, not financial, legal or tax advice. Providers change their terms; check the linked official page before you act.