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Deel vs Payoneer
Pick Deel if your client already pays you through Deel: contractors pay no subscription, local bank or Pix withdrawals carry no Deel fee, cross-border transfers cost USD 5, and eligible accounts outside the US and UK can withdraw USDC or USDT for 2% + USD 1 (as of 21 Sep 2026).
Pick Payoneer if marketplaces or clients outside Deel pay you: local-currency receiving accounts are free and other currencies cost 1%, minimum USD 1 (general pricing, as of 26 Sep 2026).
The Payoneer card also withdraws cash, which the Deel Card cannot.
Choose Deel if
- Your client already runs contractor payments through Deel.
- You want local bank or Pix withdrawals with no Deel fee, or USDC and USDT payouts outside the US and UK.
- You pay by card mostly in one of the 10 currencies where the Deel Card has no transaction fee.
Choose Payoneer if
- Marketplaces or platforms pay you through Payoneer.
- Clients can pay into a local-currency receiving account, where receiving is free.
- You need ATM cash from your payout card.
Key differences
| Attribute | Deel | Payoneer |
|---|---|---|
| How you get paid | DeelYour client pays you as a contractor through Deel | PayoneerMarketplace payouts, payment requests and local-currency receiving accounts |
| Account fee | DeelNo subscription or annual fee for contractors (as of 21 Sep 2026) | PayoneerUSD 29.95 a year if you receive under USD 6,000 in 12 consecutive months; card USD 29.95 a year on top (general pricing, as of 26 Sep 2026) |
| Withdrawal to a bank | DeelLocal bank or Pix: USD 0 Deel fee; cross-border USD 5; SWIFT from USD 5, capped at USD 10 for Deel’s part (as of 21 Sep 2026) | Payoneer1.2%–4% depending on country and currency, even without conversion (general pricing, as of 26 Sep 2026) |
| Stablecoin payouts | DeelDirect USDC or USDT for 2% + USD 1; unavailable to US and UK accounts (as of 21 Sep 2026) | PayoneerFiat only; card balances in USD, EUR, GBP and CAD (as of 26 Sep 2026) |
| Card spending | DeelVisa; no fee in USD, AUD, CAD, SGD, NZD, HKD, JPY, EUR, GBP and CHF, 1.5% in other currencies; USD 10,000 per purchase (as of 21 Sep 2026) | PayoneerMastercard; up to 3.5% with conversion, up to 1.8% cross-border without conversion (general pricing, as of 26 Sep 2026) |
| ATM cash | DeelNot supported (as of 21 Sep 2026) | PayoneerUSD 3.15 / EUR 2.50 / GBP 1.95 per withdrawal plus up to 1.8% or 3.5% (general pricing, as of 26 Sep 2026) |
FAQ
Is Deel or Payoneer cheaper for withdrawing to a bank?
Deel charges USD 0 for local bank or Pix withdrawals (the provider may add its own fee), USD 5 cross-border and USD 5–10 for SWIFT (as of 21 Sep 2026). Payoneer bank withdrawals cost 1.2%–4% depending on country and currency, even without conversion (as of 26 Sep 2026). On a USD 2,000 payout, that is USD 24–80 at Payoneer against USD 0–10 in Deel fees.
Can I withdraw cash with the Deel Card?
No. The Deel Card does not support ATM withdrawals or other cash. It is a Visa card with no transaction fee in USD, AUD, CAD, SGD, NZD, HKD, JPY, EUR, GBP and CHF, 1.5% in other currencies, and a USD 10,000 limit per purchase (as of 21 Sep 2026). The Payoneer card withdraws cash for USD 3.15 plus up to 1.8% or 3.5% (as of 26 Sep 2026).
What are the withdrawal methods on Deel?
Local bank and Pix transfers (USD 0 Deel fee), cross-border bank transfers (USD 5), SWIFT (from USD 5, capped at USD 10), instant card payouts (0.75% up to USD 25 in the US, 2% up to USD 15 elsewhere) and direct USDC or USDT for 2% + USD 1 outside the US and UK (as of 21 Sep 2026). Which methods you see depends on your country.
Fees and terms change, so check the provider’s current price page before you sign up. How we compare