What are the Payoneer withdrawal fees in 2026?

Withdrawing to a bank account in the same currency costs a flat $1.50. Withdrawing with currency conversion costs 2% of the transfer amount on top of the mid-market exchange rate. There's also a $29.95 annual account maintenance fee if you don't have at least one transaction in 12 months.

How does the Payoneer transaction fee calculator work?

Per-transaction fees depend on how money was sent. Receiving from a marketplace (Upwork, Fiverr, Amazon, Airbnb) is free. Receiving via Payoneer Billing Service costs 1% (ACH/eCheck) or 3% (credit card). Withdrawing to a bank or other Payoneer account uses the rates above.

How is the Payoneer exchange rate margin calculated?

Payoneer uses the mid-market rate plus a 0.5–2% margin depending on currency pair. The 'exchange rate fee' you see when withdrawing is the spread between the mid-market rate and what Payoneer pays you. Use this calculator's currency-conversion mode to see the true total cost.

Is Payoneer income taxable?

Yes. Payoneer is just a payment processor — earnings received via Payoneer are taxable as self-employment income in your country of residence. The platform reports US-source freelancer earnings to the IRS via Form 1099-K above $600/year. Set aside 25–30% for federal + self-employment tax (US) or your local equivalent.

How to avoid double currency conversion on Payoneer withdrawals

If you receive USD and withdraw to a USD bank account, the fee is only $1.50. Double conversion happens when you receive USD but withdraw to a non-USD account — you pay 2% conversion. To avoid it, hold a Payoneer USD receiving account and withdraw to a USD bank, or use a multi-currency bank like Wise.

What is the minimum Payoneer withdrawal?

The minimum withdrawal to a bank account is $50. Below this, Payoneer holds funds until you reach the minimum.

¿Cómo funciona la calculadora de Payoneer? (Calculadora Payoneer)

Esta calculadora calcula la comisión de retiro de Payoneer. En la misma moneda son $1.50 fijos; con conversión de moneda es el 2% del monto. Selecciona el modo de retiro y verás cuánto recibes en tu banco después de comisiones.

Payoneer Fee Calculator

Payoneer fee calculator: $1.50 same-currency bank withdrawal, 2% currency conversion. Calculate withdrawal & transfer fees instantly. Calculadora Payoneer.

Type

Mode

Withdrawal Amount ($)

Enter a sale price to see the fee breakdown.

Frequently asked questions

Payoneer Fee Calculator 2026 — Withdrawal, Transfer & Exchange Rate Fees

Calculate every Payoneer fee in one place: bank withdrawal ($1.50 same-currency or 2% conversion), receiving payments (free from marketplaces, 1% ACH, 3% credit card via Billing Service), exchange-rate margin (0.5–2%), and tax-on-fee for freelancers. Whether you're an Upwork freelancer, Fiverr seller, Amazon vendor, or remote contractor — this calculator shows your real net payout for 2026 fee schedules. También disponible para usuarios hispanohablantes como calculadora Payoneer.

All fee types

Withdrawal, transfer, currency conversion, and Billing Service receive fees in one tool.

2026 fee schedule

Updated for current Payoneer rates including the $29.95 annual maintenance fee.

Net received

See exactly what arrives in your bank account in your local currency.

Calculadora Payoneer

Same calculator works for Spanish-speaking users — fees are global.

Fee rates verified and updated May 2026. Rates may change — verify directly with the platform before transacting.

Example Calculations

Withdrawal Amount ($)	Total Fees	Your Net Earnings
$10.00	$1.50	$8.50
$50.00	$1.50	$48.50
$100.00	$1.50	$98.50
$500.00	$1.50	$498.50
$1,000.00	$1.50	$998.50

Based on default settings. Use the calculator above for your exact figures.