Last Updated: January 14, 2026
TL;DR (Quick Summary)
This guide covers everything you need to know about how to withdraw money from upwork in pakistan. Includes practical steps and tips for Pakistani freelancers.
How to Withdraw Money from Upwork in Pakistan
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 |
Understanding Upwork Payment Methods in Pakistan
Upwork offers several payment methods, but not all are accessible from Pakistan. Since PayPal does not work here, many freelancers are left wondering how to get their hard-earned dollars into their local currency. Fortunately, there are effective ways to withdraw your funds. Here’s a rundown of the primary methods I have used:- Payoneer: The most reliable option for Pakistani freelancers. It allows you to withdraw funds directly to your bank account.
- Direct Bank Transfer (ACH): This method is available but can be more complicated and may involve higher fees.
- Wire Transfer: A viable option, but the fees can be quite high.
Upwork Withdrawal Challenges in Pakistan
While the process is relatively simple, there are a few challenges that I encountered along the way. For instance, when I first started withdrawing, I faced issues with bank verification. My local bank (HBL) required additional documentation which delayed my withdrawals by over a week. Another challenge was understanding the fees involved. Here's a breakdown of the costs you might encounter: - **Payoneer Fees**: Typically, Payoneer charges a fee of around 3% for receiving payments. - **Withdrawal Fees**: Transferring money from Payoneer to your local bank may incur a fee of $1.50 or more, depending on your bank. - **Currency Conversion Fees**: If you’re withdrawing in PKR, be aware that currency conversion fees can vary significantly and may eat into your earnings. When I first began withdrawing funds, I made a mistake by not factoring in these fees, which ultimately reduced my take-home pay. ### What I Learned One of the most significant lessons I learned is to always keep track of your earnings and expenses. I started using a simple spreadsheet to monitor how much I earned, the fees incurred, and the final amount I received in PKR. This helped me to understand the true value of my work and plan my finances better. For example, if I earned $1,000 on Upwork, I’d deduct about $30 for Payoneer fees and $10 for bank withdrawal fees, which left me with around PKR 170,000 after conversion. Understanding these numbers empowered me to set more realistic earning goals.Practical Tips for Withdrawing from Upwork
Getting the most out of your Upwork earnings is essential for your freelancing success. Here are some practical tips that I’ve gathered over the years:- Choose Payoneer: Since PayPal doesn’t work in Pakistan, make sure you sign up for Payoneer to access your funds easily.
- Familiarize yourself with your bank’s policies: Each bank has different processing times and fees for international transfers. I recommend checking with HBL, MCB, or UBL for the best options.
- Keep an eye on fees: Always calculate the total fees involved in withdrawing your money so you know exactly how much you'll receive.
- Stay PSEB registered: Being registered with the Pakistan Software Export Board (PSEB) not only adds credibility but can also provide you with additional resources and support.
- Understand tax obligations: As a Freelancer, you may have to file taxes with the FBR. Keeping records of all your earnings and expenses will help during tax season.
Conclusion
Withdrawing money from Upwork in Pakistan may initially seem complex, but with the right tools and knowledge, it can be a seamless process. By leveraging Payoneer, staying aware of fees, and keeping meticulous records, you can maximize your earnings and continue to thrive as a freelancer. My journey has taught me the importance of adaptability and diligence, and I hope my experiences and tips will help you on your freelancing path. Remember, every step you take towards understanding your finances is a step towards achieving financial freedom. Happy freelancing!Frequently Asked Questions
How do I start working on Upwork from Pakistan?
Create an Upwork account, complete your profile, take skills tests, and start sending proposals. Take some jobs at lower rates initially to build reviews.
What are the best Upwork jobs for Pakistanis?
Web development, graphic design, content writing, SEO, virtual assistant, and data entry are the best categories for Pakistani freelancers.
What are Upwork connects and how many do I need?
Connects are Upwork's currency for sending proposals. You get 10 free connects monthly. New freelancers should send 3-5 quality proposals daily.