Payoneer calculator

Payoneer fees calculator

Payoneer is built for freelancers and marketplace sellers: clients and platforms pay into your Payoneer balance, and you withdraw to a local bank in your own currency.

Send money with Payoneer — compare against 14 services

Live mid-market rates

Enter the details below and tick the services you want — the ranking refreshes on its own.

How much money leaves your pocket, e.g. 1000
How you pay
Fees differ for bank, debit and credit
Currency you are paying with
Currency your recipient gets paid in

About the figures: exchange rates are mid-market rates pulled from free public APIs and refreshed about every 30 minutes. Fees and margins come from each provider's published pricing and are comparison estimates — always confirm the live price with the provider before you send.

Fee breakdown

How Payoneer charges you

Every Payoneer transfer has four cost components. Here is exactly what each one means.

Fixed fee

Receiving money from clients or marketplaces carries a small fixed handling charge on some routes, and withdrawing to a local bank adds a flat withdrawal fee.

Percentage fee

Receiving a bank-transfer payment costs around 1% of the amount, while card-funded payments can cost up to roughly 3%.

Exchange rate offered

Payoneer converts between your receiving currency and your withdrawal currency at its own desk rate.

Markup vs mid-market

Currency conversion is priced roughly 1.5%–2% above the mid-market rate — confirm the live rate inside your account before withdrawing.

Why people choose Payoneer

  • Popular with major marketplaces
  • Multi-currency balance
  • Mastercard spending card

What to watch out for

  • Conversion margin on withdrawals
  • Withdrawal fees add up for small balances
Typical speed: 2–3 business days to a local bank account Best for: Freelancers paid by marketplaces and overseas clients Configured in assets/js/fees.js
FAQ

Payoneer fees — common questions

How much does Payoneer charge to send money?

Payoneer charges a fixed fee of 1.5 plus 1% of the amount on bank-funded transfers (figures from our editable fee config). Debit and credit-card funding are priced in the calculator above.

Does Payoneer add an exchange-rate markup?

Yes. Payoneer applies a markup of 1.5% on bank transfers, 1.5% on debit cards and 2% on credit cards over the mid-market rate. The calculator shows both the offered rate and the difference from mid-market in your send currency.

How long do Payoneer transfers take?

2–3 business days to a local bank account. Delivery also depends on the destination country, the payout method and when you start the transfer.

What payment methods can I use with Payoneer?

The calculator compares bank transfer, debit card and credit card funding. Card payments almost always cost more, which is why the ranking can change when you switch methods.

How is the total cost of a transfer calculated?

Total cost combines two things: the fees charged by the provider (fixed fee + percentage fee) and the exchange-rate markup over the mid-market rate. The calculator adds both and expresses the result in the send currency, then shows exactly how much the recipient receives.

What is the mid-market rate?

The mid-market rate (also called the interbank rate) is the midpoint between the buy and sell prices of two currencies on the global market. It is the rate you see on Google or Reuters before any bank or provider adds a margin.

Compare Payoneer with other providers

See how Payoneer stacks up against Wise, Revolut, Western Union and the rest — or open another calculator below.

Browse all calculators

Wise fees calculator

True mid-market rate with one transparent, upfront fee.

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Remitly fees calculator

Fixed transfer fees with express delivery in minutes.

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Western Union fees calculator

Huge global agent network for cash pickup and delivery.

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MoneyGram fees calculator

Competitive cash pickup with frequent online fee discounts.

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OFX fees calculator

No transfer fees — costs are baked into a tight exchange margin.

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Revolut fees calculator

App-based transfers at interbank rates on weekdays.

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