Payoneer Fee Calculator (Pakistan Freelancers)
Estimate how much of your Payoneer withdrawal actually reaches your Pakistani bank account. Enter the withdrawal amount, adjust the fee settings to match the current Payoneer fee schedule, and see a full breakdown of every charge plus your net amount in PKR.
Disclaimer: Payoneer changes its fees from time to time, and fees differ by currency and account type. The values below are editable defaults for a rough estimate only — please verify the current fees on the official Payoneer fee pages before relying on the result.
Withdrawal details
The amount you plan to withdraw from Payoneer.
Default 277. Update it with the rate you actually get.
Fee settings (all editable)
Payoneer yearly fee for active cardholders. Set to 0 if it does not apply to you.
Flat fee charged on each withdrawal to a local bank.
The extra margin in the conversion rate. Set to 0 if withdrawing in USD.
Total fees
—
USD deducted in fees
Net received
—
Pakistani Rupees
Effective fee
—
of the withdrawal amount
Fee breakdown
| Item | Amount (USD) |
|---|---|
| Withdrawal amount | — |
| Annual account fee | — |
| Withdrawal to bank fee | — |
| Currency conversion spread (—) | — |
| Total fees | — |
| Net in USD after fees | — |
| Net received (PKR) | — |
The annual account fee is a yearly charge shown in full against this withdrawal; if you withdraw monthly, divide it by 12 for a fairer per-withdrawal figure.
How to use
- Enter the USD amount you plan to withdraw from Payoneer.
- Set the USD to PKR rate you expect to receive (default 277).
- Adjust the three fee settings — annual account fee, withdrawal to bank fee, and conversion spread — to match the current official Payoneer fees. Set any fee that does not apply to you to 0.
- Press Calculate Payoneer Fees to see the full fee breakdown, net PKR, and effective fee percentage.
Frequently asked questions
The typical charges are a yearly annual account fee, a flat fee on each withdrawal to a local bank, and a currency conversion spread when Payoneer converts your balance to PKR. This calculator includes all three, and each one is editable so you can match the current fee schedule.
There is usually a small flat fee per withdrawal plus a conversion margin when the funds are converted to PKR. The default here is 2 USD for the withdrawal fee and 0.5 percent spread, but both are editable — check the official Payoneer fee pages for the exact current figures.
The spread is the small margin Payoneer keeps inside its exchange rate — the rate you receive is slightly worse than the mid-market rate. It is charged as a percentage of the converted amount. If you withdraw and convert in USD only, set the spread to 0 in this calculator.
Yes. Every fee setting — annual account fee, withdrawal to bank fee, conversion spread, and the USD to PKR rate — is an editable input. Payoneer updates its fees over time, so adjust them to the current official values before you trust the result.