Payoneer fees (2026): every charge explained, with a calculator

Payoneer fee calculator

Invoice amount

Your client pays from

You live in

Modelled for bank transfers: your client pays by transfer to your account details.

Payoneer fees by where your business is based

You are based in	Receiving	Cross-border	FX markup	Payout
United States	1% to receive	—	1.2%	1.50 (same ccy)
EEA / eurozone	1% to receive	—	1.2%	1.50 (same ccy)
United Kingdom	1% to receive	—	1.2%	1.50 (same ccy)
Canada	1% to receive	—	1.2%	1.50 (same ccy)
Australia	1% to receive	—	1.2%	1.50 (same ccy)

Who Payoneer suits

People paid by marketplaces and platforms (Upwork, Fiverr, Amazon and many others pay into it) and anyone who needs receiving details in currencies their bank does not offer.

On the calculator's two reference payments, Payoneer takes 2.19% of $5,000.00 from a US client to a Spanish business, and 1.15% of €1,000.00 between Germany and Spain, where there is no currency to convert.

What to watch out for

Receiving a payment from a client costs a percentage of the gross, before any conversion.
The conversion fee on withdrawal starts at the lowest published rate and can go higher; the calculator uses the lowest one, so your real cost may be above it.
There is an annual account fee below a yearly receiving threshold, which a single-payment calculator does not spread.

How to pay less with Payoneer

Use it where it is the platform's cheapest payout option, and move direct clients to a cheaper bank-transfer account.
Withdraw in the same currency where possible to avoid the conversion fee, and convert with a cheaper provider.
Check your volume against the annual-fee threshold at the start of each year.

Payoneer fees: questions

What are Payoneer's fees?

1% to receive a payment from a client, from 1.2% (up to 4%) to convert on withdrawal, a small fixed fee to withdraw in the same currency, and an annual account fee if you receive less than $6,000 a year.

How much does Payoneer take from a $5,000 client payment?

Into a euro account, $109.40 at the lowest published conversion rate: the receiving fee plus the conversion. Kept in dollars and withdrawn to a dollar account, $51.50.

Is there a Payoneer fee calculator?

This page has one: enter the amount, where your client pays from and where you live, and it shows each Payoneer fee and the cheapest alternative on that route. It uses the lowest published conversion rate, so treat the result as a floor.

Payoneer fees