Compare
Revolut vs Payoneer
Compare Revolut and Payoneer for how clients can pay you, the cost of receiving and withdrawing funds, account eligibility, records and a practical backup route.
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Decision brief
Revolut is a more direct fit when this describes your needs: Travelers wanting one app for cards, FX and extras. Payoneer is a more direct fit when this describes your needs: Freelancers using supported marketplaces. Compare the decision factors below against your country, trip and backup plan.
How clients or platforms can actually pay you
Receiving, conversion and withdrawal costs for your main route
Records, account eligibility and a separate operational backup
All-in-one money app with multi-currency cards, transfers, crypto and travel extras.
Last checked:
Official source: Revolut pricing plansFreelancer and business payout account with a detailed card fee table.
Last checked:
Official source: Payoneer pricingWhat to compare first
| Attribute | Revolut | Payoneer |
|---|---|---|
| Best for | Travelers wanting one app for cards, FX and extras | Freelancers using supported marketplaces |
| Availability | Region-dependent | Region-dependent |
| Product role | Multi-currency app, cards, transfers and in-app crypto with tiered plans. | Global payout account and Mastercard for eligible freelancers and businesses. |
| KYC | Required | Required |
| FX | Own variable Revolut exchange rate. UK Standard example: 1% above GBP 1,000 per rolling month, plus 1% weekend exchange fee where applicable; other plans and markets differ. | Internal balance conversion is 0.5%; withdrawal conversion is 1.2%-4%; card conversion is up to 3.5% and no-conversion cross-border card use up to 1.8% |
| Transfer and withdrawal costs | Revolut-to-Revolut transfers are free; external transfers vary by route, currency and plan | Receiving in your local currency via a receiving account is listed free; non-local currency receiving 1% (minimum USD 1). Marketplace and payment-request fees differ. Bank withdrawals depend on country/currency and may cost 1.2%-4% even without conversion. |
| Monthly | Standard plan free; Plus, Premium, Metal and Ultra tiers carry recurring fees | Annual account fee can apply if below 6,000 USD received in 12 months |
Choose Revolut if
- Travelers wanting one app for cards, FX and extras
- People who stay within the free FX and ATM allowances
Choose Payoneer if
- Freelancers using supported marketplaces
- Businesses needing multi-currency payout operations