Payoneer · 0% receiving + 1.2% withdrawal
Payoneer Fee Calculator
Calculate Payoneer's receiving fee, withdrawal costs, and FX markup.
I want to send (Gross)
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Receiving fee: 0% from marketplaces. Withdrawal to local bank: 1.2%. Annual account fee ($29.95) only applies when account has minimal activity and balance.
Payoneer — You keep
$973.00
of 1,000 USD received · 97.3% kept
Fee Breakdown
Receiving Fee0.0%
$0.00fee
Withdrawal to Local Bank1.2%
-$12.00withdrawal
Currency Conversion Markup1.5%
-$15.00fx
Total Deducted
$27.00
Effective fee ratio2.70%
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Frequently asked questions
The mid-market rate (also called interbank rate) is the midpoint between global buy and sell prices for a currency pair. It's the rate you see on Google, Xe and Reuters. Payment providers almost never pass this rate through — they typically add a 2–4% markup on top.
Wise generally has the lowest total cost (transparent fee + true mid-market rate). PayPal is the most expensive (transaction fee + $0.49 + FX markup). Payoneer sits in the middle and varies by corridor. Use our calculators for an apples-to-apples comparison on your exact amount.
Yes. Every calculator on FlowRate is free. No signup required. We may earn a small affiliate fee from partner providers when you open an account — but our calculators show the same estimate regardless of affiliation.
Payoneer charges an annual account fee of roughly $29.95 if your account has minimal receiving activity. It's not related to a single payout, so we don't include it in our per-payout calculator — but it's worth knowing if you only receive occasionally.
No. Payoneer applies an FX markup (typically 1.2–1.5% depending on corridor) on top of the mid-market rate. This is separate from the withdrawal fee and is often the largest single cost for Amazon sellers.