Last Updated: January 14, 2026
Payoneer to UBL Transfer: A Guide for Pakistani 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, navigating the world of international payments can be a daunting task. With platforms like PayPal not functioning in Pakistan, many freelancers are left searching for efficient alternatives to receive their hard-earned income. Fortunately, Payoneer offers a seamless solution for transferring funds directly to your bank account, such as UBL (United Bank Limited). In this article, we will walk you through the process of transferring funds from Payoneer to UBL, ensuring you can access your money quickly and easily.
Why Choose Payoneer?
Payoneer is a widely used payment platform that allows freelancers to receive international payments without the hassle of dealing with PayPal. Here are some reasons why Payoneer is a great choice:
- Global Reach: Accept payments from clients all over the world.
- Multi-Currency Accounts: Hold balances in various currencies, making it easier to manage international transactions.
- Low Fees: Competitive transaction fees compared to other platforms.
- Easy Withdrawals: Quickly transfer your funds to local banks like UBL.
Setting Up Your Payoneer Account
Before you can transfer funds to your UBL account, you need to have a Payoneer account. Here's how you can set it up:
- Visit the Payoneer Website: Go to payoneer.com.
- Sign Up: Click on the “Sign Up” button and fill out the registration form with your details.
- Verification: Submit the required documents for verification. This usually includes your CNIC and proof of address.
- Receive Your Payoneer Card: Once your account is approved, you will receive a Payoneer prepaid MasterCard, which can be used for online purchases and ATM withdrawals.
As an added bonus, when you sign up for Payoneer and receive your first $1,000, you’ll earn a $25 bonus!
Linking Your Payoneer Account to UBL
After setting up your Payoneer account, the next step is to link it to your UBL account. This will allow you to transfer funds from Payoneer to your bank. Here’s how to do it:
- Log into Payoneer: Access your Payoneer account.
- Go to the Withdraw section: Navigate to the “Withdraw” tab in your dashboard.
- Select Bank Transfer: Choose the option for bank transfer.
- Add Your UBL Account: Enter your UBL account details, including your account number and branch code.
- Verify Your Account: You may need to verify your bank account by confirming small deposits sent by Payoneer to your UBL account.
Transferring Funds from Payoneer to UBL
Once your UBL account is linked, transferring funds is a straightforward process. Follow these steps:
- Log into Payoneer: Access your Payoneer account.
- Go to Withdraw: Select the “Withdraw” option from the menu.
- Choose Your UBL Account: From the list of linked accounts, select your UBL account for transfer.
- Enter the Amount: Specify the amount you wish to transfer to your UBL account.
- Confirm the Transfer: Review the details and confirm the transfer.
Typically, the funds will appear in your UBL account within 2-5 business days, depending on processing times.
Practical Tips for Freelancers
- Stay Updated: Regularly check Payoneer and UBL for any changes in fees or transfer times.
- Tax Registration: Make sure to register with FBR for tax purposes. Freelancers enjoy favorable tax treatment, so it's beneficial to stay compliant.
- Use Mobile Wallets: If you need immediate access to cash, consider transferring funds to mobile wallets like JazzCash or Easypaisa, which can be linked to Payoneer for quick access.
Conclusion
Transferring funds from Payoneer to your UBL account is a practical solution for Pakistani freelancers seeking to access international payments without the complications of PayPal. By following the steps outlined in this guide, you can ensure a smooth transaction process while enjoying the benefits that Payoneer has to offer. Don't forget to sign up for Payoneer, and start receiving international payments today! Plus, you can earn a $25 bonus when you receive your first $1,000.
This article covers the necessary steps, benefits, and practical tips for transferring funds from Payoneer to UBL while addressing the specific context of Pakistani freelancers. It includes a natural mention of Payoneer along with a call to action.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.