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Revolut vs Payoneer
Pick Payoneer if your income comes from marketplaces or clients that pay through it: local-currency receiving accounts are free and other currencies cost 1%, minimum USD 1 (general pricing, as of 26 Sep 2026).
Pick Revolut if you want spending, travel and transfers in one app: the Standard plan is free, transfers between Revolut users cost nothing, and UK Standard exchanges up to GBP 1,000 per rolling month before a 1% fee (UK pricing, as of 26 Sep 2026).
Abroad, the Payoneer card costs more, with up to 3.5% on conversion and USD 3.15 plus a percentage on every ATM withdrawal (general pricing, as of 26 Sep 2026).
Choose Revolut if
- You want one app for spending, travel and transfers on a free plan.
- You exchange less than GBP 1,000 a month and withdraw cash up to 5 times or GBP 200 a month (UK Standard, as of 26 Sep 2026).
- You often send money to other Revolut users, which is free.
Choose Payoneer if
- Your marketplace or platform pays out through Payoneer.
- Clients pay you in currencies you can receive locally for free.
- You receive more than USD 6,000 a year, so the USD 29.95 account fee does not apply (as of 26 Sep 2026).
Key differences
| Attribute | Revolut | Payoneer |
|---|---|---|
| Built for | RevolutEveryday multi-currency spending, transfers and travel | PayoneerReceiving payouts from marketplaces and clients |
| Plan or account fee | RevolutStandard free; Plus GBP 3.99 up to Ultra GBP 55 a month (UK, as of 26 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) |
| Receiving money | RevolutFree between Revolut users; external transfers priced by route, currency and plan (as of 26 Sep 2026) | PayoneerFree in your local currency via a receiving account; 1% (minimum USD 1) in other currencies (general pricing, as of 26 Sep 2026) |
| Currency exchange | RevolutOwn rate; Standard adds 1% above GBP 1,000 per rolling month and 1% on weekends where it applies (UK, as of 26 Sep 2026) | Payoneer0.5% between balances; 1.2%–4% on withdrawal to a bank; up to 3.5% on card payments (general pricing, as of 26 Sep 2026) |
| ATM cash | RevolutStandard: 5 withdrawals or GBP 200 per rolling month free, then 2%, minimum GBP 1 (UK, as of 26 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) |
| Availability | RevolutUK, EEA, US and many other countries | PayoneerVaries by country and account type; card eligibility can depend on payments received |
FAQ
Which card is better for travel: Revolut or Payoneer?
Revolut. UK Standard gives 5 ATM withdrawals or GBP 200 per rolling month without a Revolut fee, then 2% (minimum GBP 1), and no exchange fee on the first GBP 1,000 a month (as of 26 Sep 2026). The Payoneer card charges USD 3.15 / EUR 2.50 / GBP 1.95 per withdrawal plus up to 1.8% or 3.5%, up to 3.5% on card conversion and USD 29.95 a year (general pricing, as of 26 Sep 2026).
Which is cheaper for converting currency: Revolut or Payoneer?
Revolut UK Standard adds no exchange fee up to GBP 1,000 per rolling month, then 1%, plus 1% on weekends where it applies (as of 26 Sep 2026). Payoneer charges 0.5% between balances, 1.2%–4% when converting on withdrawal and up to 3.5% on card payments (general pricing, as of 26 Sep 2026). Converting USD 1,000 between Payoneer balances costs USD 5; converting it on withdrawal costs USD 12–40.
Do Revolut or Payoneer charge a monthly fee?
Revolut Standard is free; paid UK plans cost GBP 3.99 (Plus), GBP 7.99 (Premium), GBP 14.99 (Metal) and GBP 55 (Ultra) a month (as of 26 Sep 2026). Payoneer lists no standard monthly subscription but charges USD 29.95 a year if you receive under USD 6,000 in 12 consecutive months, and the card has its own USD 29.95 annual fee (general pricing, as of 26 Sep 2026).
Fees and terms change, so check the provider’s current price page before you sign up. How we compare