What is the maximum balance in a payoneer account. Payoneer is an opportunity for freelancers to receive and spend money around the world. Payoneer service: user feedback

Working on foreign freelance exchanges, as well as directly with customers living in other countries, is always fraught with a number of difficulties. First of all, of a financial nature. Since it is necessary to immediately decide for yourself the question of how to withdraw the earned money as efficiently and safely as possible. The solution suggested itself: it was necessary to create a banking product that would solve the daily tasks of freelancers around the world. So, in 2005, the Payoneer payment service appeared (in Russian it is often called Pioneer or Pioneer).

At the Pioneer payment system more than 2000 partners in all over the world who pay directly to the card account!

At the moment, a Paoneer bank card is a universal means of payment that allows you to quickly carry out the process of paying out earned funds to freelancers. Plastic can be used to withdraw money around the world at any ATM. In addition, you can pay with it in regular stores and on the Internet. For freelancers in Russia, this solution is a real godsend, since it allows them to receive payments from American companies directly, as well as work with the largest freelance exchanges on the planet. At the same time, there is no need to report to the state about the presence of a deposit abroad. The only negative is the commissions, but they can be leveled, since earnings abroad are usually much higher, and this circumstance will allow you to recapture most of the service costs.

Important information on Payoneer for Russians:
please note that customers residing in Russia since February 2020 will no longer be able to order a plastic card from Payoneer due to restrictions from the financial legislation of the Russian Federation. At the same time, existing customers who already have this card in their hands will be able to fully use it. until May 27, 2020 inclusive. There are no other restrictions. You will still be able to receive payouts to your Payoneer account and withdraw them to your local bank (using local bank details). Payoneer account maintenance will be free.

These are commissions for replenishment operations only from the Payoneer payment system (they will be debited from the recipient of the money).

Payoneer has implemented a cool option for you to get paid for your work - the option bill. This invoice can be sent, for example, by e-mail to the customer or employer. It can be both companies and individuals.

How to top up Payoneer through the payment of an invoice (the customer chooses the most optimal option for him from the proposed):

from a bank card ( commission 3% , limit 2000$ for the operation);
by transfer from your bank account through the Global Payments Service ( there is no commission for EUR (SEPA transfers), but for USD (ACH transfers) it is 1% , no limits);
electronic check ( for US residents - 1% and limit 5000$ for the operation).

You can also pay for any service to a supplier or customer directly from Payoneer by selecting the option " Make a Payment“, specifying his E-mail as the recipient, even if the recipient does not yet have a Payoneer account. After registration, he will receive this payment. This transaction will no commission.

What is Global Payment Service?

For transfers from the USA

If earlier interaction with the payment system was carried out directly through the partners of the company, because only they had the opportunity to replenish Payoneer prepaid debit cards, then with the connection of the service US Payment Service(as mentioned just above) in 2012 you can now receive payments from any American company. Now they just need to send money by local bank payment through the system ACH (Automated Clearing House)- the largest clearing system in the United States.

Global Payment Service System

Global Payment Service: to an account in $ - ACH-transfer (US interbank), an account in euro - SEPA-transfer (in euros).

Expanded the possibilities US Payment Service. Significantly increased the geography of partners. Now you can receive money to your Payoneer account in euros (EUR) via SEPA (Single Euro Payments Area) from partners from the European Union and the European Economic Area (34 countries), from the UK and Ireland in pounds sterling (GBR) via BACS and FPS, Japan - in yen (JPY) according to Zengin. Since 2018, it has also become possible to receive money via the Chinese payment system CNAPS (China National Advanced Payment System) and in Canadian dollars through Canadian banks via EFT (Electronic Funds Transfer). In Australia - according to BECS (Bulk Electronic Clearing System). The service is actively developing - more currencies and opportunities are promised in the near future.

As part of this opportunity, you can also issue an additional card for payments In Euro. To do this trick: through the support service, request the ability to accept payments in euros. And when will your euro account have more than 50 EUR, then in personal account button will appear Order Card, by which you can order an additional prepaid card Payoneer EUR.

It is important to note that it is the local payment services of countries that are used to make transfers, which avoids the use of the more expensive international Wire system. As a result, there are significant savings on commission.

To issue an invoice and pay, it is enough to generate from your personal account payment order and send it to your partner. It must be legal face. Transfers under this scheme between individuals are prohibited.

If you do not have this option and it is limited, write to Payoneer support to enable this functionality. The system is the same - you are provided with bank account details to which you can transfer money. This account does not personally belong to you, but is linked to your account. It is common to all. All received money is distributed according to the functional purpose and credited to the card account of the payee.

Payoneer and taxes in Russia

At VTB and Alfa Bank ATMs, it is most profitable to withdraw rubles from Payoneer!

In this case, we recommend looking for ATMs from VTB Bank that allow you to withdraw up to 100,000 rubles from "foreign cards" per transaction. In the comments, people write that Raiffeisen ATMs can issue up to 150 000 rubles (not checked!). Also, judging by the reviews, Alfa Bank can give you rubles at its ATMs on a Payoneer card ( from 200,000 to 450,000 rubles depending on the ATM model).

There was also information that since October 2017 up to 200,000 rubles can be withdrawn from ATMs Tinkoff Bank" (Moscow). Withdrawal operation in rubles carried out without commission. There is also information that in "Opening" and "Promsvyazbank" you can withdraw up to 200,000 rubles.

For comparison (withdrawal limits from "foreign cards" in ATMs of other banks):

Post Bank - up to 50,000 rubles per operation;
Russian standard - up to 40,000 rubles per operation;
Sberbank - up to 5,000 rubles per transaction.
Raiffeisen - 10,000 rubles per transaction.

Another important point:
Only Payoneer charges money from your card. ATM owners in Russia don't take your additional commission for withdrawing rubles RF (ATM fee).

Various ways to deposit and withdraw money from a Payoneer card. Relevance: 2018.

You can withdraw money from your account (not available at all!) to a bank account in Russia. The operation will be carried out in rubles. Commission: 2%. Interbank payment (from Russian partner banks). At the moment, payments in dollars to Russian banks are not made. Money comes from Qiwi Bank» with the comment payment for provided services from Amazon.com, Inc. Private transfer, No VAT.

Map directly top up it is forbidden(C2C top-up is not possible).
You can issue an invoice for payment a specific person or company, send a link to him or email to receive payment directly different ways for the paying party: bank check(in USA), bank card (commission 3%, limit $2000 per transaction) or bank transfer via Global Payment System ( commission 1% in USD, EUR - 0%).
You can "pull" money from the card, but only from those services for which it is not critical lack of 3DSecure by Pioneer. The operation with the Payoneer card will be carried out as a regular purchase with a card, not counting the commission of third-party services.
Translation Money from one Payoneer card to another (may not be supported if there are restrictions from the partner or if the funds have not been received for a long time in the standard way for it). The option is not available immediately, but after receiving payments in the “traditional way”.
Private replenishment of Payoneer cards (bank cards of Russian banks can be used here). All transactions are carefully monitored, a payment may be refused (especially if it has not been replenished for a long time in the standard way for it - through partners or the US Payment Service). The commission fee is 3,75% and can be withheld from both the sender and the recipient.

Payment request

You can receive money on Payoneer simply by issuing an invoice (button " Payment Request"). At the same time, the customer will not even need to be registered with Payoneer, he will have many opportunities to pay for your services or goods (via a payment card, bank transfer or electronic check).

Top up from bank accounts located in the CIS, including through payment systems it is forbidden(including via SWIFT). However, through the system US Payment Service (by entering data for ACH) you can top up your Payoneer balance through Skrill, PayPal and other services. In this case, the standard fee for ACH is taken, equal to 1% of the transfer amount. For SEPA, BACS and Zengin commission not charged.
You can receive money from any company registered in the US, UK, Japan and the European Union (Euro area) through Global Payment Service. The commissions are the same as indicated above.
you can release in addition to the main card in dollars and card with euro currency. To do this, you need to request from support the ability to accept payments in euros. After that, an item will also appear with the conversion of one currency to another in the section " Currency management«.
You you can't link your Payoneer card to PayPal registered on Russian resident.
There is no SMS notification, but you can download the official app from Google Play and AppStore to your gadget and keep track of your balance.
In stores or on the Internet, you can pay for something with a card no more than 9 times. The total limit is $2500 (for purchases and withdrawals).
Funds with Payoneer can replenish other bank cards. For example, through the service MoneySend. The card supports “pulling” (that is, an outgoing transaction: you can carry out the operation in the personal account of your bank, on the card of which you want to receive funds).
Payoneer debit can be blocked if no transactions are made on it within 6 months
It is possible to issue both physical and virtual cards in the AdvCash system. And even link them to the payment systems Google Pay, Samsung Pay. Cards from free service (fee only for the issue).

Where and how to withdraw money from a Payoneer card in Russia in dollars and rubles? In which ATMs is it more profitable to withdraw dollars and rubles from a card in Russia? What are the commissions and the conversion rate when withdrawing funds from ATMs and bank cash desks?

I clarify that this article was written for residents of Russia, and if you suddenly came across it by accident and are a resident of another country, read our other articles:

If you do not yet have an account in the Payoneer system, we remind you that you can register using our system and. The registration process through our link must be completed continuously from the beginning to the end. If for some reason you terminated the registration, start it by clicking on our link from the very beginning.

So, let's move on to discussing the withdrawal of money from Payoneer in Russia.

How and where to withdraw dollars from a Payoneer card in Russia at the bank's cash desk.

As is already clear from the content, you can withdraw dollars from Payoneer in Russia either at the bank’s cash desk or at ATMs.

The advantage of withdrawing at the bank's cash desk is that there is a much higher one-time withdrawal limit than most ATMs and there are almost always dollars available. Considering that the limit of Payoneer itself is $ 7,500 per 24 hours, at most bank cash desks you can withdraw the entire amount several times.

The disadvantage is that when withdrawing from you, they will definitely require passport data, which will later be entered into the database, and theoretically this may create questions from financial control authorities in the future if you withdraw frequently and regularly. Also a disadvantage is additional commission, which the bank takes for withdrawing at the cash desk from someone else's card. Additional means that in addition to the 1.8% that you pay for the withdrawal in dollars, you will also pay from 1.5% to 4% to the bank itself. Sometimes it turns out to be quite a lot and the commission grows by 1.5-2 times in comparison with the one that you would pay by withdrawing several times at an ATM. Below we will provide information on commissions and limits for withdrawing dollars at the cash desk.

UPD October 2018: It has also become possible to withdraw dollars to a dollar bank account linked to the account. To do this, it must be specified either during registration or in the menu item Withdrawal: To a Bank account. Read more in our article:

The checkout process is as follows:

Come to the bank branch with a Payoneer card and a passport - you will definitely need it, as the cashier will ask you to rewrite your passport data in order to enter them into the database
Ask the cashier if it is possible to cash out dollars from a foreign MasterCard and be sure to immediately specify what the commission for withdrawal will be.

The table below provides information on the limits and commissions of banks when withdrawing dollars from the cash desk. Although we try to update the information, it may not always be up-to-date. Be sure to check with the cashier for this information.

Bank	Transaction limit	Add. Commission of the bank
Rosselkhozbank	2500$	2%
Bank Avangard	2500$	2%
BinBank	3000$	2%
Raiffeisenbank	3000$	3%
Unicredit	5000$	2%

In Rosselkhozbank, everything is quite stable, they do not take an additional commission, in Binbank it is worse, in one branch the cashier says that there is no commission, in another he says about 2%. If you have up-to-date information, help others - write in the comments, we will update the article.

In which ATMs can I withdraw dollars from a Payoneer card in Russia.

Unlike withdrawals at the cash desk, there is always a fixed commission for withdrawals in dollars - 1.8% + 3.15$ , but lower limits per transaction.

Below is a list of ATMs where you can withdraw dollars in Russia. Considered criteria: limit per transaction, number of currency ATMs and availability of currency, as well as notes and our subjective assessment for each.

UniCredit.

Update from September 2018: At the moment, there are interruptions in the issuance of currency on Payoneer cards at this ATM. It gives a message about the refusal of card service, does not issue money.

Limit per transaction: 400$.

Note: Currency ATMs are highlighted on the site, the number of approaches is unlimited, the amount is a multiple of $50.

Our assessment: 3/5.

Raiffeisen Bank.

Update from September 2018: At the moment, the most stable bank in terms of issuing dollars from Payoneer cards. For a $300 transaction, you will pay $308.55, which is $300 + 1.8% + $3.15. You can shoot an unlimited number of times.

Limit per transaction: 300$.

Number of ATMs and availability of currency: There are many ATMs, stable availability of currency.

Note: On the site, currency ATMs are highlighted, gives out a multiple of $ 100, an unlimited number of approaches.

Our assessment: 4/5.

Citibank.

Update from September 2018: At the moment, Citibank has increased the limit from $400 to $500 per transaction, but at the same time, it is possible to make only two transactions per day, that is, receive $1,000. An additional internal Citibank commission for a transaction using other people's cards of $5 has also been added. In total, for withdrawing $500, at the moment you will be charged $517.15 = $500 + 1.8% + $3.15 + $5. In our opinion, this is less profitable than renting at Raiffeisen Bank. There, for this commission, you can make 4 transactions of $300 instead of two of $500.

Limit per transaction: 500$.

Number of ATMs and availability of currency: There are fewer ATMs than the previous ones, stable availability of currency.

Note: There are no currency ATMs on the site, search only by clicking, the bank also has a small representative office (there is only in 10 cities).

Our assessment: 4/5.

BinBank.

Limit per transaction: 2000$.

Update from September 2018: At the moment, there is not enough currency in ATMs, it is difficult to find an ATM that will have dollars in stock. At the same time, there are many currency ATMs only in Moscow and St. Petersburg. In other cities it is problematic to find them, or they simply do not exist.

Number of ATMs and availability of currency: There are many ATMs only in Moscow and St. Petersburg, very often there is no currency in them. In other cities, finding a currency ATM with currency is problematic.

Note: Currency ATMs are not highlighted on the site, but can be found through the alphabank website,.

Our assessment: 3/5.

Russian Standard Bank.

Limit per transaction: 300$.

Number of ATMs and availability of currency: There are few currency ATMs, in some cities there are none at all, and there is often no currency.

Note: On the site, currency ATMs are highlighted, gives out the amount of a multiple of $ 100.

Our assessment: 2/5.

Credit Europe Bank.

Limit per transaction: 300$.

Number of ATMs and availability of currency: There are few ATMs, there is often no currency.

Note: It gives out money every other time, periodically giving an error, after 1-2 approaches it can stop issuing funds, $ 100 bills, currency ATMs are highlighted on the site.

Our assessment: 2/5.

Alfa Bank.

Limit per transaction: 100$.

Number of ATMs and availability of currency: There are many ATMs, stable availability of currency.

Note: On the site, currency ATMs are highlighted, due to the low transaction limit, it becomes unprofitable.

Our assessment: 1/5.

The situation is constantly changing. So, until recently, AlfaBank issued $1,000 per transaction and was the most convenient way, now the limit has been changed to $100. If you have any more relevant information than the one presented in the article, write it in the comments.

Update from September 2018: Given that ATMs are cutting limits on transactions and there are fewer and fewer ATMs that consistently dispense currency, we recommend paying attention to the method of withdrawing 100 thousand rubles in VTB24 at a time. If you need dollars, you can withdraw this amount in VTB24 and immediately buy dollars in some exchanger. At the time of updating the article, the total loss in this case will be about 3.5-4%.

How to withdraw rubles from a Payoneer card in Russia. Limits, conversion rate, commissions.

If it is not important for you to withdraw exactly dollars, you can withdraw it in rubles at the conversion rate. Conversion takes place at the MasterCard rate, although some banks allow you to choose your own conversion rate.

Also, when withdrawing funds in a currency other than the card currency, you pay a commission for a cross-border payment. It is up to 3.5% and is charged instead of 1.8%, which are charged for withdrawals in card currency. Read more about this fee in this Payoneer answer.

I would like to note right away that there is less stability in the operation of ATMs for withdrawing rubles than for the situation that we described for withdrawing dollars. Often users complain that ATMs of the same banks either spit out a card with the message “the amount is too large”, or “the limit has been exceeded”, or normally allow them to withdraw funds.

The following is a table that lists banks, as well as their limits per transaction when withdrawing from a Payoneer card in rubles. But use these numbers as an approximation. In different ATMs, they may differ (depending on the availability of banknotes of certain denominations), since ATMs have restrictions on the number of banknotes issued at a time.

Bank	Transaction limit
Alfa Bank	10000 rub.
Raiffeisen Bank	50000 rub.
BinBank	50000 rub.
VTB 24	100000 rub.
Home Credit Bank	50000 rub.
Russian standard	40000 rub.
Post Bank	50000 rub.
Promsvyazbank	40000 rub.

UPD September 2017: It also became possible to withdraw rubles from the account to the ruble bank account linked to the account. To do this, it must be specified either during registration or in the menu item Withdrawal: To a Bank account. Read more in our article:

Conclusions.

In our opinion, withdrawing money from a Payoneer card is still more profitable in dollars. In addition to the fact that the MasterCard rate is usually worse than the local rate in the country, you also pay a commission for a cross-border payment, which can be up to 3.5%. These are quite significant losses. Plus, most banks have a small limit on withdrawals in rubles. When withdrawing a large amount, this will force you to make many approaches and pay Payoneer $ 3.15 transaction fees each time.

With regards to withdrawals in dollars, it seems to us that it is still more profitable to withdraw from ATMs, and not go to the bank's cash desk. Firstly, this way the bank will not charge you an additional commission, and secondly, you will be able to avoid presenting your documents and rewriting information about you in the bank's database.

Payoneer's daily limit is $5,000 for ATM withdrawals and $7,500 for bank cash withdrawals (payment online). Accordingly, if you urgently need to withdraw a large amount, it makes sense to withdraw both here and there.

Write comments if you can supplement the article with relevant information. We also remind you that you can register with Payoneer from us. At the same time, the registration process using our link must be completed continuously from the beginning to the end. If for some reason you terminated the registration, start it by clicking on our link from the very first step.

The Payoneer payment system is in great demand on all continents, including the CIS countries. The company is based in the USA, providing universal fast and secure payment methods for employers primarily from America and Europe for more than 10 years.

What is Payoneer

Payoneer and other payment systems

There are a lot of ways to make money on the Internet, and often one option for the turnover of all available virtual capital is not enough. In such cases, it is useful to know about the advantages and disadvantages, tariffs of other payment systems, so let's compare some of them with Pioneer.

Skrill

Skrill is the first in line, in many respects a similar electronic payment service. After registration and receiving money on the account balance, they can be withdrawn to a bank account.

Fees are higher here, but the benefits are significant, for example, the ability to replenish bitcoin and connect to gambling sites.

PayPal

PayPal is the permanent leader of the international market of payment systems. However, not all of its functions are available, for example, in Ukraine. If we consider the Payoneer vs PayPal sign, then in the direction of paying for goods and services online, the second is most likely to win. But in purely commercial matters Pioneer, perhaps, will be stronger.

WebMoney

Once upon a time, WebMoney even distributed Pioneer cards themselves. For a certain cost, you could get a direct withdrawal, but at the moment the most optimal way to exchange Payoneer for WebMoney is to find a person interested in this.

ePayments

The service closest in ideology, also working with three currencies - USD, EUR and our native RUB. He also provides plastic cards, such as in this photo:

The ePayments card will cost $17 or €14 at checkout, but it's free for the first year of service. In the future, the payment is approximately the same as that of the Pioneer - 35 dollars or 29 euros per year. Of the advantages of ePayments, it is worth highlighting the presence of an internal wallet, which can be used without issuing a card. So, if the issue of choice is stopped specifically at Payoneer or ePayments, the second service has a more standardized approach to the payment turnover system (and, of course, it supports rubles). Many people use Payments as a simpler analogue of Payoneer.

Yandex money

But with Yandex.Money, on the contrary, it has become much easier to connect Pioneer than with WebMoney. All thanks to the mass of exchangers with an affordable exchange rate Payoneer - Yandex.

Possible difficulties and questions

After filling in the registration fields, when it already seems that the registration of the Payoneer account is completed, you may receive a general error message 8001. This is a common problem, the solution to which is to clear the browser cookies and allow the browser to save cookies from third-party sites in the settings.

If for some reason access to the account was suspended, with the error message “Account blocked! (MA104)", you need to contact the support service immediately. In order to avoid misunderstandings, before starting work, it is better to carefully read the Payoneer terms of service.

It also happens that it is simply impossible to wait for a Payoneer card for one of the following reasons:

incorrectly specified address when filling out the order;
the card was lost at the local post office.

Thus, if the parcel does not arrive for a very long time, it is worth double-checking the set address and, if possible, choosing a more suitable delivery service.

Do you have questions or have something to add on the topic of the article?

Hello, dear readers of the blog site. Describing payment systems, it is very difficult not to mention an earlier solution (dating back to 2005), on the basis of which the mentioned systems were already built. This payoneer. In Russian, it is most often pronounced as Pioneer or even Pioneer, but it doesn’t matter.

Its purpose is exactly the same as that of most other similar payment systems (,) - to enable people to receive and transfer money around the world. Especially Payoneer cards and other people who earn on services or goods (for example) around the world.

As in ePayments, a plastic card Pioneer is not associated with an account in a foreign bank, which means you will not need to report this to the tax office. It will be possible to pay for purchases on the Internet or the nearest store, as well as withdraw cash from ATMs around the world. As a rule, freelancers earning money abroad have a good income and commission charged for cashing out money from this card they don't seem important.

Why You Might Need Payoneer

It has already become a good tradition that they have the support of the Russian language, not only in terms of the interface, but also in terms of the Russian-speaking technical support. Payoneer is no exception here, and all emerging force majeure can be resolved in your native language. There is a Russian-language support forum, which can be very helpful sometimes.

Pioneer system primarily tailored to the needs of freelancers around the world. For example, through it you can bill the employer, and he is already free to pay for it in a way convenient for him.

It is also possible to open a virtual account in an American bank in order to receive a salary on it as a regular employee of a US company. This opportunity will help someone get a profitable remote job and fast way receiving and withdrawing the money earned there. But this will be a virtual account (in the name of the company, not yours), so you will not officially have a personal account in a foreign bank, which means there should not be any extra problems with tax either.

At the same time, Payoneer is not a payment system in the usual sense, because it does not have wallets and a number of other attributes (there is just an account). But it is the largest company in the world (American), which cooperates with leading platforms (both providing work, for example, freelance exchanges, and merchants, for example, Amazon) offering its services for making fast payments.

For different countries this system provides different possibilities. For example, for Germans, there is only the possibility of receiving money to a local bank account, which they indicated during registration. For residents of Runet (Russia, Ukraine, Kazakhstan, etc.) there are two the possibility of withdrawing money through Pioneer:

On your check at a local bank (you indicate it immediately during registration, although this is seriously annoying, because I have never filled in so many fields and have not gone through so many steps during a regular registration in a payment system).
For prepaid Payoneer card(i.e. not tied to bank account, which allows you to avoid problems with tax), which you can order and receive as a parcel at the nearest post office. With it, money can be either simply spent in the store, or withdrawn through ATMs.

Registration in the Pioneer payment system

Registering with Pioneer- it's something with something. I have never had to go through such a long process. Why don't you just enter your email address and create a password? Oh, it's too easy. Although, free $25 is still stimulating!

You will need to go through four steps of the wizard, each of which you need to fill in from two to ten fields. Then suffer a little more with coming up with the second and third security questions (three questions, Karl!) and wait until you receive confirmation by mail that you have been accepted into the friendly team of this not quite payment system (I received it on the next day).

Are you ready for this feat? And for the sake of 25 free bucks on account? Well then let's go. The main condition is that you must before registering, otherwise you won’t be able to get a quarter of evergreens (this is such a bonus for registering via an invitation link).

So, on the page that opens, find the button " Sign Up & Ear $25” (sign up and get 25 bucks) and start filling in the fields in the step-by-step wizard:

If you thought that was all, then I hasten to disappoint you. You will also have to wait for confirmation, which will come to your mail within a few working days (I received it the next day). And even after that, they won't get off of you alive. You will not believe!

You will not be able to log into your newly verified account without first selecting two more security questions and entering the answers to them. Some kind of paranoia

Well, and only after that you finally get into your account.

Payoneer card and other system features

It is possible, in principle, immediately order a Payoneer card by opening the item of the same name from the top menu, because it will be sent to you by mail for several more weeks.

In the meantime, the card has not yet arrived to you, withdrawal of earned money can be carried out on the specified during registration in Pioneer Bank account:

How to receive payments with Payoneer can be read by clicking on the links on the tab "Sources of receipt of funds", which is located in the drop-down menu of the item "History":

As I mentioned, this system has the ability invoice for the work you have done(similar to how it is done in Paypal) so that the employer can pay you through the Pioneer system in a way convenient for him:

Option «Global payment service» from the "Receive" menu item allows you to create a virtual bank account to which your employer companies can transfer your salary.

An account can be opened in the currency you need, after which it is enough to simply make a request for a payment (issue an invoice indicating the received virtual details).

Fees in Pioneer for using the card and account

The card itself is convenient and money can be spent and withdrawn from it at any time anywhere in the world, but the commissions for it are not very sparing.

Payoneer takes advantage of the fact that it is a monopolist in withdrawing funds earned on the Internet from a number of popular sites and does not particularly look towards competitors, such as ePayments, where card rates are much more humane, but the payment system itself is not yet very common.

But Pioneer gives newcomers $25 bonus after coming back open card first 1000$. And it doesn’t have to be a hundred at once - a free quarter will drip onto your card account after exceeding the threshold of a hundred bucks stored on it. Again, this bonus is not given to everyone, but to those who will go to the site before registration using a special link(it is also given at the beginning of this publication)

Commissions for withdrawing and spending money in stores from Payoneer card:

Commissions for withdrawal of money from your Pioneer account to a local bank account:

If you withdraw to a dollar account, the commission will be small - 2% of the amount.
If for ruble, then add 2% for currency conversion (just the exchange rate will be about a couple of percent higher than the market average).

If you have high turnover of funds on your account, then you can add up to six different bank accounts (already including foreign ones), and you will also receive a preferential percentage when withdrawing from Payoneer to Russian banks in rubles - only 1.5% of the exchange rate of the central bank.

Where is the best place to withdraw money from a Payoneer card?

In principle, you can withdraw and spend them wherever payment cards are accepted - in any country in the world, at any ATM, in any store or cafe. Another thing is if you want to minimize the additional costs associated with all this.

As I said, in addition to the card in Runet, it is possible to withdraw money from Pioneer to your account in a Russian bank. However, not everyone wants to show their income and therefore use the card to cash out foreign income.

Do not forget that the card is in foreign currency (in dollars), which means that you need to look for appropriate ATMs (usually ATMs of bourgeois banks localized with us issue currency).

Don't forget the $3.15 transaction fee plus ~1.8% for non-state withdrawals. For example, when cashing out $2,500 from a Pioneer card in Russia, you will be charged a total commission of ~ $48 (if you withdraw the entire amount at one time).

It is clear that better to get a large amount at once in order to pay $3.15 as few times as possible, which means it is important to find an ATM that immediately dispenses large amounts in dollars. Unfortunately, the situation with this is constantly changing, but for now you can pay attention to these ATMs:

Binbank - it all depends on the specific ATM, but in theory you can withdraw the entire daily limit on the card ($ 2500) at a time there, saving on the fee for repeated transactions. You can cash out large amounts in dollars through Binbank cash desks under the same conditions, but you will need to present your passport.
Rosbank - up to four hundred Baku at a time
Alpha - only a hundred can be withdrawn, but if more is not needed, then ...
Absolute - up to two hundred
Raiffeisen - up to three hundred at a time
VTB 24 - you can withdraw $ 500 (if less, they will take one and a half percent of the penalty)

You can withdraw from a Payoneer card in rubles, but for conversion they can withhold up to 3.5% percent of the amount instead of 1.8% when withdrawing in dollars. True, it can be profitable to withdraw large amounts in rubles (because ATMs allow this) and not pay $ 3.15 for many transactions in dollars.

Again, it is more profitable to withdraw amounts in one payment so as not to give another $ 3.5 for each transaction. However, not all ATMs allow you to withdraw large amounts from cards of other banks. I can only advise you to look aside:

Alfa Bank - up to 250 thousand rubles at a time
Tinkoff Bank - up to 200 thousand rubles
Raiffeisen Bank - up to 150 thousand rubles
VTB24 - up to 100 thousand rubles at a time
Bank mail - up to 50 thousand rubles

If you calculate commissions, then for amounts larger than $1000-1500 it is better to choose either withdrawals at ruble ATMs or at the cash desks of banks issuing dollars in large quantities (but here you will most likely have to show your passport, which not everyone likes to do).

Good luck to you! See you soon on the blog pages site

Payoneer and PayPay: detailed instructions for opening a virtual account

In the article on how to withdraw money from PayPay in Ukraine, we have already talked a little about Payoneer in order to acquaint the reader with this possibility. But today I would like to talk in more detail about how to open a virtual account. We will consider the algorithm of actions, tell you why withdrawal through Payoneer is better than all other methods, and also briefly tell you what Payoneer is and whether there are risks when working with this system.

What is Payoneer

Payoneer is an American company that provides a virtual US bank account. In fact, you will not have a real account, you do not sign any documents, you do not give your originals and copies. You just need to register, order a card, and after a while receive it by mail. We will tell you more about the whole procedure below. But the question may arise, where will my money be stored if the account is virtual and not real? How does Payoneer ensure security? What guarantees does it give? There is a lot of incomprehensible here, and in order to find answers, you need to read the official website of the company, specialized blogs, reviews of users of this system. We do not know all the intricacies of how Payoneer works, but we can say that with PayPal, through their cards, you can withdraw money without any problems.

Payoneer assures that at any ATM that accepts MasterCard cards, you can withdraw your money without any restrictions.

You can read the reviews of users of the services of this company on the Habrahabr website, where Payoneer maintains an official blog, and at the time of this writing there were 207 reviews and comments.

First of all, you need to register in the system. To do this, go to the official website of the company, and click the "Register" button. It is noteworthy that the entire site is translated into Russian, as Payoneer is focused on Russian market, and the market of the CIS countries.

There should be no problems with registration, because everything is intuitive. It is very important to indicate real data, and fill everything out very carefully. Confirmation of your registration on email address you will receive an email containing all the data that you sent to the system. To avoid critical errors during registration, we recommend using Chrome and Mozilla browsers.

ID confirmation

In order to be able to use a virtual bank account, you need to verify your identity, passport details, and source of income. The confirmation system is a little strange, but what is it. To do this, the letter will contain two links, by clicking on which you will be taken to the page with surveys.

The first link should answer questions about your work. From the drop-down menu, select the type of activity that most accurately characterizes what you do, and then describe (possibly in Russian) what you do. Follow the prompts and do everything as the system indicates.

By clicking on the second link, you will be taken to a page where you need to confirm your passport data and identity. Submit a photocopy of your passport or driver's license. It is very important that the copy was in color, of high quality, it clearly shows the name, surname and date of birth.

Receiving a card by mail and activating it

When registering, you indicate your postal address, which should receive a Payoneer bank card within 3 weeks. Also, along with the card, there will be a letter that describes in detail the process of further activation of the card.

The activation process is quite simple. Payoneer offers two ways: contact the operators by phone, or activate the card via the Internet. The second option is more suitable for us, because it is faster and much cheaper. Go to the Payoneer website, log in with your username and password, and click "Activate Card" (the yellow arrow in the screenshot indicates where this button is located). Next, enter the card number, and come up with a PIN code that will be needed when withdrawing money from an ATM.

Learn more about activation in this video.

ConnectionPayPal account to US bank account

We want to warn you right away that you take on all the risks associated with linking a US bank account to your account. And these risks are associated with the fact that the account can be blocked. Why? Yes, because PayPal's policy is based on the fact that residents of a particular country must link the accounts of banks operating in the territory of their state. Therefore, if you are not a US citizen and do not have a residence permit there, then you are violating PayPal rules. Of course, in 99% of cases this goes unnoticed, but 1% exists, and you should be aware of the risks.

If you do not yet have a PayPal account, then we advise you to read our article "". Consider only the fact that you need to indicate your real name and surname, but you need to invent the address of residence. Take any US state, address, house, apartment. Just do not write the address of well-known companies, or public institutions. See where there are residential areas, and randomly take something for yourself.

Bank account confirmation

Having linked the account, you also need to confirm it. This is a standard PayPal procedure, in which you will receive 2 payments of a few cents into your account. After 2-3 days, check your Payoneer account, and as soon as you see the transfer transaction, then go to your PayPal account and indicate the amount of transfers.

Once your bank account has been verified, you will be able to receive and send transfers using your Payoneer account. But the most important thing is that money can be withdrawn at any ATM, and at any time.

It is also worth noting that using the card will cost $30 per year. But there are also various commissions for replenishing and withdrawing money from the card, for transfers and other transactions. You can read more about this on the official Payoneer website.

And having already completed the article, we decided to get acquainted in more detail with the reviews of those who have been using Payoneer for more than a month, or even a year. As it turned out, there are a lot of “pitfalls” in the system, and hidden payments that no one talks about openly. That is why we wrote at the beginning of the article that this card is suitable only for those who often withdraw a lot from PayPal. The rest should look towards automatic exchange services, or look for intermediaries who will withdraw money and PayPal with a minimum commission.

Payoneer service: user feedback

We will not publish flattering reviews. And so it is clear that the system has a number of pluses and advantages. You should always read negative, but truthful comments from users who are trying not to denigrate the company, but to show its real face. And just a few of these reviews we found on the forums.

Svfoster, Habrahabr website

Payoneer has incredible commissions for…everything. For each movement, for each sneeze, money will be withdrawn (percentage or a fixed rate). The absurdity even comes to the point that the interest is charged for rejecting a transaction, or if you entered the wrong amount at an ATM and could not withdraw money.

So, in order. Open cards - $20, crediting money - commission $2 (and wait 2-3 days!), for withdrawing money in dollars (PayPal) - commission ~ 3% and there is no word about it anywhere, and if you need to make a refund via PayPal, then withdrawn the commission is not returned. Refusal to withdraw through an ATM - $1 for an incorrect request, withdrawal through an ATM or an operator in a bank - $2.15 per request. Card content $3 per month! In total, in order to transfer amounts of ~ $ 1000 per month, the commission will be (year) 20 + 2 * 12 + 2.15 * 12 + 3 * 12 ~ $ 106 in the first year of service + 3% for paying for purchases, which will be $ 360 per year! Do not forget that there will also be a commission for withdrawing money, especially if it is in the currency of your country.

Nikolay, webmaster forum

If you use Payoneer, and you have a controversial issue, or you want to contact support, then stock up on valerian and strong nerves. No support, answers for a long time, does not say anything specific, questions are not resolved. Okay, if only an isolated case, but it happens all the time.

I used Payoneer for a while, endured their robbery, because there was no alternative, but there is a limit to everything. Refused virtual account.

Whether or not you use Payoneer is up to you. We only provided detailed instructions on how to withdraw money from PayPal via Payoneer, and published reviews of those who already use their accounts and cards.