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.
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 ratesEnter the details below and tick the services you want — the ranking refreshes on its own.
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.
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
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.
Wise fees calculator
True mid-market rate with one transparent, upfront fee.
Open calculator →Remitly fees calculator
Fixed transfer fees with express delivery in minutes.
Open calculator →Western Union fees calculator
Huge global agent network for cash pickup and delivery.
Open calculator →MoneyGram fees calculator
Competitive cash pickup with frequent online fee discounts.
Open calculator →OFX fees calculator
No transfer fees — costs are baked into a tight exchange margin.
Open calculator →Revolut fees calculator
App-based transfers at interbank rates on weekdays.
Open calculator →