Last Updated: January 14, 2026
Cheapest Payoneer Withdrawal in Pakistan: A Practical Guide for Freelancers
Quick Platform Comparison for Pakistan
| Platform | Best For | Commission | Payment Methods | Min. Payout |
|---|---|---|---|---|
| Fiverr | Beginners | 20% | Payoneer, Bank | $10 |
| Upwork | Professionals | 10-20% | Payoneer, Wire | $100 |
| Freelancer | Variety | 10% | Payoneer | $30 |
| PeoplePerHour | UK Clients | 20% | Payoneer | $50 |
As a Freelancer in Pakistan, receiving payments from international clients can often feel like navigating a maze. With PayPal not available in Pakistan, many freelancers turn to Payoneer as a reliable alternative. However, the cost of withdrawing funds can vary significantly depending on the method you choose. In this guide, we will explore the cheapest ways to withdraw your Payoneer funds in Pakistan, ensuring you maximize your earnings.
Understanding Payoneer and Its Importance for Pakistani Freelancers
Payoneer is a payment platform that allows freelancers to receive payments from clients around the world. It's particularly popular among Pakistani freelancers due to its ability to facilitate transactions in multiple currencies and its ease of use. Here’s why Payoneer is essential for you:
- Global Reach: Accept payments from companies like Upwork, Fiverr, and direct clients in various currencies.
- Multi-Currency Accounts: Hold and manage funds in USD, EUR, and other currencies, reducing conversion fees.
- Local Bank Withdrawals: Easily transfer your funds to Pakistani banks.
Withdrawal Methods from Payoneer in Pakistan
When it comes to withdrawing your Payoneer funds, you have several options. Here are the most common methods:
1. Local Bank Transfer
This is one of the most cost-effective ways to withdraw your funds. You can transfer your balance directly to your Pakistani bank account. Here’s how:
- Log in to your Payoneer account.
- Navigate to the "Withdraw" section and select "To Bank Account."
- Add your local bank account details. Ensure you choose a bank that offers competitive withdrawal rates, such as HBL, MCB, or UBT.
- Select the amount you wish to withdraw and confirm the transaction.
Fees: Payoneer typically charges a fee of $1.50 for local bank withdrawals, which is relatively low compared to other methods.
2. ATM Withdrawal
You can also withdraw funds using a Payoneer Prepaid Mastercard at ATMs in Pakistan. Here are the steps:
- Order your Payoneer Prepaid Mastercard through your Payoneer account.
- Once received, activate it and link it to your Payoneer account.
- Visit an ATM that accepts Mastercard (most banks in Pakistan do).
- Insert your card, enter your PIN, and select the amount to withdraw.
Fees: Typically, ATM withdrawals incur a fee of $3.15 per transaction, plus any fees charged by the ATM operator.
3. Mobile Wallets
Another option is to use mobile wallets like JazzCash or Easypaisa, which can be linked to your Payoneer account. This is especially useful for freelancers who prefer handling smaller amounts. Here’s how to set it up:
- Link your Payoneer account to your JazzCash or Easypaisa account.
- Withdraw funds directly to your mobile wallet.
- Transfer the funds from your wallet to your bank account or use them directly for payments.
Fees: Check the specific fees associated with your mobile wallet as they can vary. This method can sometimes be cheaper than bank withdrawals.
How to Minimize Withdrawal Costs
To maximize your earnings, consider the following tips for minimizing withdrawal costs:
- Consolidate Withdrawals: Instead of withdrawing small amounts frequently, consolidate your withdrawals to minimize transaction fees.
- Choose the Right Bank: Research banks that offer the best conversion rates and lower fees for international transactions.
- Use Mobile Wallets Wisely: If you frequently make smaller transactions, mobile wallets can save you money on withdrawal fees.
Register for Payoneer and Get Started
If you haven't signed up for Payoneer yet, now is the perfect time! By registering through this link, you can receive a $25 bonus when you receive your first $1000. This is a great way to kickstart your freelancing journey and maximize your earnings.
Sign up for Payoneer and start receiving international payments today!
Conclusion
For Pakistani freelancers, Payoneer offers a reliable solution for receiving international payments. By understanding your withdrawal options and choosing the cheapest methods, you can significantly reduce your costs and increase your profits. Remember to consider local bank transfers as your primary option, utilize mobile wallets for smaller transactions, and always be mindful of fees. With these strategies in place, you'll be well on your way to a successful freelancing career!
Key Takeaways
- PayPal is not an option in Pakistan; Payoneer is a great alternative.
- Local bank transfers are the cheapest withdrawal method.
- Consider using mobile wallets for smaller transactions.
- Sign up for Payoneer to receive a $25 bonus on your first $1000!
Frequently Asked Questions
Does Payoneer work in Pakistan?
Yes, Payoneer works perfectly in Pakistan. You can receive payments from Fiverr, Upwork, and other platforms to Payoneer and transfer to your Pakistani bank.
How do I transfer from Payoneer to Pakistani bank?
Log into Payoneer, select Withdraw > To Bank Account, choose your Pakistani bank, enter amount. Funds arrive in 2-5 business days.
What are Payoneer fees?
Payoneer charges about 2% for withdrawal to Pakistani banks. ATM withdrawal costs $3.15. Currency conversion has a 2% fee.