Payoneer
multi currency account
Payoneer is a global payment platform headquartered in the United States, widely used by freelancers, digital agencies, and e-commerce sellers in emerging markets to receive payments from international clients and marketplaces including Amazon, Upwork, Fiverr, and Airbnb. It provides receiving accounts in USD, EUR, GBP, JPY, CAD, AUD, and other currencies, enabling users to receive funds locally in those regions and convert or withdraw globally. Available in 190+ countries with no monthly fee on standard accounts; a Mastercard debit card facilitates spending. Particularly valued in markets where traditional banking access is limited.
Details
- Headquarters
- United States
- Currencies
- 70
- Monthly Fee
- Free
- Non-Residents
- Accepted
- US Persons
- Accepted
- Debit Card
- Available
- Business Account
- Available
Opening Requirements
- •Government ID
- •Proof of address
- •Active receiving payments
Restricted Nationalities
Not available to nationals of: cuba, iran, north-korea, syria, crimea
Nationality Acceptance Matrix
Who this provider will and will not onboard. Refusals are listed first. Sourced from the provider's own published terms and recent public onboarding reports — confirm with the provider before applying.
| Nationality | Accepted | Notes |
|---|---|---|
| russia | NO | Russian nationals restricted; Payoneer suspended services in Russia and Belarus following February 2022 sanctions. |
| iran | NO | Blocked — OFAC Iran sanctions. |
| cuba | NO | Blocked — OFAC Cuba sanctions. |
| north korea | NO | Blocked — OFAC DPRK sanctions. |
| syria | NO | Blocked — OFAC Syria sanctions. |
| us | YES | US persons accepted; Payoneer is US-headquartered and fully US-compliant. |
| uk | YES | UK nationals fully accepted. |
| eu | YES | EU nationals fully accepted; 190+ countries served. |
| china | YES | Chinese nationals accepted; very popular among Chinese cross-border e-commerce sellers (Amazon, AliExpress payouts). |
| myanmar | YES | Accepted; Payoneer serves freelancers and sellers in 190+ countries including FATF grey-list nations; individual screening applies. |
Similar Banking Options
Options matched on type and jurisdiction — not a recommendation.
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