Last Updated: January 14, 2026
TL;DR (Quick Summary)
This guide covers everything you need to know about payoneer atm withdrawal pakistan. Includes practical steps and tips for Pakistani freelancers.
Payoneer ATM Withdrawal in Pakistan: A Comprehensive Guide for Freelancers
Payment Methods Comparison for Pakistani Freelancers
| Method | Withdrawal Fee | Transfer Time | PKR Support | Rating |
|---|---|---|---|---|
| Payoneer | 1% | 1-2 days | Yes | Best Overall |
| Wise | 0.5-1% | 1-3 days | Limited | Best Rates |
| Bank Wire | $25-50 | 3-5 days | Yes | Large Amounts |
| Western Union | $10-20 | Minutes | Cash | Urgent Only |
As a Freelancer in Pakistan, one of the biggest challenges you face is receiving payments from clients around the globe. With PayPal not operational in Pakistan, you often find yourself searching for viable alternatives. Enter Payoneer—a trusted payment platform that offers convenient solutions for freelancers. This guide will walk you through the process of withdrawing your Payoneer funds at ATMs in Pakistan, along with practical tips and insights tailored to our local context.
Why Choose Payoneer?
Before diving into the withdrawal process, let's discuss why Payoneer is a preferred choice for many Pakistani freelancers:
- Global Reach: Payoneer enables you to receive payments from international clients effortlessly.
- Multiple Payment Options: In addition to ATM withdrawals, you can also transfer funds to your local bank account.
- Low Fees: Compared to other services, Payoneer generally offers competitive rates for currency conversion and transactions.
- ATM Accessibility: You can withdraw cash locally using your Payoneer card at ATMs across Pakistan.
Setting Up Your Payoneer Account
To get started with Payoneer, you first need to create an account. Here’s how:
- Visit the Payoneer website: Go to Payoneer.com and click on “Sign Up.”
- Select a plan: Choose the plan that best suits your needs. You’ll primarily be looking at the “Freelancer” option.
- Fill in your details: Provide your personal information, including your name, email address, and country of residence.
- Verification: Complete the identity verification process by providing necessary documents such as your CNIC or passport.
- Receive your Payoneer card: Once your account is approved, you’ll receive your Payoneer ATM card at your registered address within a few weeks.
Withdrawing Funds from ATMs in Pakistan
Once your Payoneer account is set up and you’ve received your ATM card, you are ready to withdraw funds. Here’s a step-by-step guide:
Step 1: Find an ATM
Look for ATMs that accept MasterCard, as your Payoneer card is a MasterCard. Major banks like:
- HBL (Habib Bank Limited)
- MCB (Muslim Commercial Bank)
- UBL (United Bank Limited)
- Allied Bank
- Meezan Bank
These banks typically have ATMs that accept international cards.
Step 2: Insert Your Card
Go to the ATM, insert your Payoneer card, and enter your PIN. Make sure to use a secure PIN that you can remember.
Step 3: Select Withdrawal Amount
Choose the currency (PKR) and the amount you wish to withdraw. Keep in mind that ATMs usually have a withdrawal limit, often ranging from PKR 5,000 to PKR 20,000 per transaction.
Step 4: Confirm and Collect Cash
After selecting the amount, confirm your transaction. The ATM will dispense the cash, along with a receipt. Always keep this receipt for your records.
Practical Tips for ATM Withdrawals
- Know Your Fees: Be aware that ATMs may charge a withdrawal fee (ranging from PKR 200 to PKR 500) in addition to Payoneer’s fees. Always check beforehand.
- Limit Withdrawals: To minimize fees, consider withdrawing larger amounts less frequently.
- Check Your Balance: Before making a withdrawal, check your Payoneer account balance to avoid any surprises.
- Security First: Use ATMs located in well-lit, secure areas, especially at night.
Tax Considerations for Pakistani Freelancers
As a freelancer, it’s important to be aware of the tax implications of your earnings. In Pakistan, freelancers are subject to tax regulations under the Federal Board of Revenue (FBR). Here are a few points to keep in mind:
- FBR Registration: Register yourself with the FBR to benefit from favorable tax treatments that freelancers enjoy.
- Document Your Earnings: Keep a record of all your income, including payments received via Payoneer, as this will be essential for tax returns.
Conclusion: Key Takeaways
Withdrawing funds from your Payoneer account via ATMs in Pakistan is a straightforward process, allowing you to access your hard-earned money easily. Remember to choose ATMs wisely, be aware of any fees, and keep your financial records in order for tax purposes.
Payoneer is an excellent alternative for Pakistani freelancers looking to receive international payments. If you haven’t signed up yet, take this opportunity to start receiving payments with ease. Sign up for Payoneer and begin your journey today! Plus, when you receive your first $1000, you’ll earn a $25 bonus!
By leveraging Payoneer, you can focus on what you do best—delivering exceptional work to your clients—while ensuring that receiving payments is the least of your worries.
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.