How much does Payoneer take from a $100 payment?

It depends on how the money arrives. Into a receiving account in your own currency, or from another Payoneer balance, nothing: you keep the full $100. Into a receiving account in a different currency, 1% with a minimum of $1.00, so $1.00 on $100 and you keep $99.00. From a payer using a credit or debit card, or PayPal, up to 3.99% plus a fixed $0.49, which is $4.48 on $100 and leaves $95.52.

Does Payoneer charge a fee to receive money?

Only for some routes. Payments from another customer's Payoneer balance and payments into a receiving account in your local currency are free. A receiving account in a currency that is not your local one costs 1%, with a minimum fee of $1.00. A payer using US ACH bank debit, or an EU or UK bank account, costs 1%. A payer using a credit card or PayPal costs up to 3.99% plus $0.49.

What does Payoneer charge to withdraw to my bank account?

To a bank account in the same country and currency as yours, in a supported country, $1.50 per withdrawal. To the recipient's local currency without a conversion, or to another currency with one, Payoneer publishes a range of 1.2% to 4% rather than a single rate, and notes that some countries add a minimum of up to $20.00. Moving funds between your own Payoneer balances costs 0.50%.

What are Payoneer's fees for Upwork, Fiverr or Amazon payouts?

Payoneer does not publish one. Its pricing page lists payments from marketplaces and integrated platforms as “varies by marketplace”, so the rate is set in the deal between Payoneer and that platform and the marketplace states it. Most such payouts arrive through a Payoneer receiving account, so the two receiving-account rows above — free in your local currency, 1% in another — are the closest published equivalent. Check the marketplace's own payout page for its rate.

Does Payoneer charge an annual fee?

Only on a quiet account. Payoneer charges an annual account fee of $29.95, and states that it applies only if the account receives less than $6,000.00 or the equivalent in any 12 consecutive months. Receive more than that in a rolling year and it is not charged. Switch it on in the calculator to see what one payment costs if it is the only one that year.

Are these Payoneer fees up to date?

Every rate here is quoted verbatim from Payoneer's official pricing page, which the platform marks as last updated on 1 January 2026, and was checked on 3 September 2026. The schedule is marked medium confidence because no second source restates the receiving, withdrawal or annual-fee rates, and it is re-verified at least every 60 days.

Payoneer fee calculator

As of 3 September 2026, Payoneer charges US accounts 1% (minimum $1.00) to receive into a receiving account in another currency, nothing in your local currency, and up to 3.99% + $0.49 from a card payer.

Verified 3 September 2026 against Payoneer’s official fee page. Effective from 1 January 2026. ChangelogSingle source

Your country

How you get paid

Withdraw to your bank

Charged on the balance left after the receiving fee, not on what the payer sent. Some countries add a minimum.

Payoneer charges in USD; your bank’s conversion is not included.

Add the annual account fee

$29.95 once a year, not per payment, and charged only on an account with low activity over the past 12 consecutive months.

You keep

$99.00

You charge

$100.00

Receiving account — different currency (marketplace or client payout): $1.00
Total fees: $1.00
Effective rate: 1%

Payoneer fees by country

Every rule on Payoneer’s official schedule for United States, the market this calculator covers, as of 3 September 2026. Payoneer's own page lists a separate “From marketplaces and integrated platforms” row as “varies by marketplace” with no rate, so it is not in this table; the receiving-account rows are the closest quantified equivalent. The two percentage withdrawals are published as a range, 1.2% to 4%, and the calculator starts at the 4% ceiling.

United States

Payoneer fees for United States, effective 1 January 2026. Amounts in USD.
Fee	Applies to	Rate
Receiving account — different currency (marketplace or client payout)1% of the amount, or 1.00 USD, whichever is greater — modelled as a flat 1.00 USD fee under 100.00 USD and 1% at or above it, since 1% of 100.00 USD is exactly the 1.00 USD floor.	Cross-currency receiving account	1% ($1.00 up to $99.99)
Receiving account — local currency (marketplace or client payout)Payoneer's local-currency receiving accounts (US bank details, UK sort code, EU IBAN, etc.) are the mechanism most marketplaces and freelance networks — Upwork, Fiverr, Amazon among them — use to pay a seller when the payout currency matches the receiving account's currency. Payoneer's own page also lists a separate, unpriced 'From marketplaces and integrated platforms — Varies by marketplace' row; see the file header.	Local-currency receiving account	No fee
From another Payoneer balance (P2P transfer)	Another Payoneer balance	No fee
Payer uses a credit or debit cardPayoneer states this as an 'up to' rate; the fee for a given transaction may be lower depending on the card network and corridor. The upper bound is used here as the conservative estimate.	Credit or debit card	3.99% + $0.49
Payer uses US ACH bank debit	US ACH bank debit	1%
Payer uses an EU or UK bank account	EU or UK bank account	1%
Payer uses PayPalPayoneer states this as an 'up to' rate; the upper bound is used here as the conservative estimate.	PayPal	3.99% + $0.49
Optional and sender-paid fees (not deducted unless selected)
Withdraw to a bank account in the same country and currencyApplies per withdrawal to a supported country (the page lists the EU, USA, UK, Australia, Canada and others). Payoneer's note adds that for certain US customers (depending on registration date) this 1.50 USD fee applies up to 50,000.00 USD in withdrawals or payments per month, after which a percentage-based fee of up to 0.5% applies; that monthly-cumulative tier is not modelled — this rule is the flat per-withdrawal fee only.	All payments	$1.50
Withdraw to the recipient's local currency (no currency conversion)Payoneer publishes a range, 1.2%–4%, rather than a single rate; the upper bound (4.00%) is used here as the conservative estimate. Some countries carry a minimum fee of up to 20.00 USD or equivalent.	All payments	4%
Withdraw to the recipient's non-local currency (with currency conversion)Same 1.2%–4% range as the local-currency withdrawal row; the upper bound (4.00%) is used here as the conservative estimate.	All payments	4%
Currency conversion (moving funds between Payoneer balances)	All payments	0.5%
Annual account fee (low-activity accounts)Waived once the account receives at least 6,000.00 USD (or equivalent) in any rolling 12-month period; also not charged in the first year for paid annual plans.	All payments	$29.95

Source: www.payoneer.com/pricing/, verified 3 September 2026.

How much does Payoneer take from a $100.00 payment?

For cross-currency receiving account in United States, Payoneer charges a flat $1.00 up to $99.99, and 1% of the amount above that. Each fee line is rounded half-up to the nearest cent, as the platform bills it, and what you keep is the amount minus the sum of those lines.

A cross-currency receiving account payment: on $100.00 you pay $1.00 (receiving account — different currency (marketplace or client payout)), and keep $99.00, an effective rate of 1%.

The same $100 from a payer using a credit or debit card: on $100.00 you pay $4.48 (payer uses a credit or debit card), and keep $95.52, an effective rate of 4.48%.

A $50 cross-currency receipt, where the $1.00 minimum bites: on $50.00 you pay $1.00 (receiving account — different currency (marketplace or client payout)), and keep $49.00, an effective rate of 2%.

The same $100 received, then withdrawn to a bank with currency conversion at the top of Payoneer's range: on $100.00 you pay $1.00 (receiving account — different currency (marketplace or client payout)) and $3.96 (withdrawal with currency conversion), $4.96 in total, and keep $95.04, an effective rate of 4.96%.

Frequently asked questions

How much does Payoneer take from a $100 payment?: It depends on how the money arrives. Into a receiving account in your own currency, or from another Payoneer balance, nothing: you keep the full $100. Into a receiving account in a different currency, 1% with a minimum of $1.00, so $1.00 on $100 and you keep $99.00. From a payer using a credit or debit card, or PayPal, up to 3.99% plus a fixed $0.49, which is $4.48 on $100 and leaves $95.52.
Does Payoneer charge a fee to receive money?: Only for some routes. Payments from another customer's Payoneer balance and payments into a receiving account in your local currency are free. A receiving account in a currency that is not your local one costs 1%, with a minimum fee of $1.00. A payer using US ACH bank debit, or an EU or UK bank account, costs 1%. A payer using a credit card or PayPal costs up to 3.99% plus $0.49.
What does Payoneer charge to withdraw to my bank account?: To a bank account in the same country and currency as yours, in a supported country, $1.50 per withdrawal. To the recipient's local currency without a conversion, or to another currency with one, Payoneer publishes a range of 1.2% to 4% rather than a single rate, and notes that some countries add a minimum of up to $20.00. Moving funds between your own Payoneer balances costs 0.50%.
What are Payoneer's fees for Upwork, Fiverr or Amazon payouts?: Payoneer does not publish one. Its pricing page lists payments from marketplaces and integrated platforms as “varies by marketplace”, so the rate is set in the deal between Payoneer and that platform and the marketplace states it. Most such payouts arrive through a Payoneer receiving account, so the two receiving-account rows above — free in your local currency, 1% in another — are the closest published equivalent. Check the marketplace's own payout page for its rate.
Does Payoneer charge an annual fee?: Only on a quiet account. Payoneer charges an annual account fee of $29.95, and states that it applies only if the account receives less than $6,000.00 or the equivalent in any 12 consecutive months. Receive more than that in a rolling year and it is not charged. Switch it on in the calculator to see what one payment costs if it is the only one that year.
Are these Payoneer fees up to date?: Every rate here is quoted verbatim from Payoneer's official pricing page, which the platform marks as last updated on 1 January 2026, and was checked on 3 September 2026. The schedule is marked medium confidence because no second source restates the receiving, withdrawal or annual-fee rates, and it is re-verified at least every 60 days.

Sources and last verified

Every rate above is quoted from Payoneer’s official fee page and checked by a person on 3 September 2026. Cross-checked against the official page at payoneer.custhelp.com/app/answers/detail/a_id/44821/~/pricing-and-fees. Single source: not every rate is restated by a second official page, so some rest on the official page alone.

Standard published rates only. Your account may have negotiated, promotional or legacy pricing, and the platform can change fees at any time. Confirm figures that matter with Payoneer before relying on them. See the methodology and disclaimer.

Cite this page

Fees.tools. "Payoneer fee calculator". https://fees.tools/payoneer-fee-calculator. Fee data verified 2026-09-03.

APA: Fees.tools. (2026). Payoneer fee calculator. Retrieved 2026-09-03, from https://fees.tools/payoneer-fee-calculator