Payoneer
★ 3.8Payoneer is a cross-border account for freelancers and businesses - best for freelancers receiving cross-border payments. Receiving accounts + marketplace payouts (Upwork, Amazon).
Reviewed by Market Minute · Updated June 2026 · ✓ Fact-checked · how we rate
Our take
Built for freelancers getting paid across borders. For casual personal transfers, Wise is cheaper and clearer.
- Market Minute
FeesATM $3.15+; conversion up to ~3.5%; card $29.95/yr
Minimum to start$0
Available inUS + EU
Pros
- + Built for freelancer/business payouts
- + Multi-currency receiving
- + US + the EU
Cons
- − Higher/opaque FX fees than Wise
- − Weak for casual personal transfers
Good to know
Conversion fees stack and account-hold complaints are common.
This is an independent review - we don't have a live partner link for Payoneeryet, so there's nothing to click here. Search for it directly if you want to explore.
Source: payoneer.com
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