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What is Payoneer's Minimum Withdrawal Amount? | US Guide

Mike Renaldi

21.10.25

Read time 2 minutes

Freelancers, entrepreneurs and business owners use Payoneer to send and receive payments in more than 190 countries.¹

But how do withdrawals work with Payoneer? In this article, we’ll break down the basics for making a withdrawal, the charges that may apply, and how to find the minimum and maximum withdrawal amount for your personal account. We'll also discuss the Wise Business account. The global account that can help your company with all things cross-border.

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Minimum and Maximum Withdrawals on Payoneer

According to Payoneer⁶, two factors impact your withdrawal amounts:

Your account balance
Your minimum and maximum withdrawal amount per transaction

The amount of money that you can withdraw from your Payoneer account depends on two things: the amount of money in your account, and the minimum and maximum withdrawal amounts per transaction. As these two details are unique to each Payoneer user, they will be clearly displayed beneath the relevant fields when you are trying to make a withdrawal.³

Every Payoneer user also has an overall monthly withdrawal limit. If you try to exceed that limit for a withdrawal, you will get a message during the withdrawal process. If you pass the withdrawal limit but need to access more funds, there is an option to contact Payoneer directly.³

With Wise Business, your minimum amount to send to your bank or to other accounts has no minimum. It is only related to the amount held in your account balance. Wise Business doesn't have a minimum balance requirement.

Fees for Withdrawals

The withdrawal fees for Payoneer vary depending on the amount, the user’s location and the currency. There could be a fee of up to 3% of the transaction amount if a currency conversion is required, and a flat fee of $1.50 if you’re sending USD to the US For withdrawals of over $50,000 in a single month, Payoneer can charge a fee of 0.5% of the total withdrawal amount.⁵

How to Withdraw Payoneer Funds to Bank Account	Description
Step 1: Create Account	The first step to accessing the services that Payoneer offers is to create an account. You will need to give the firm some basic information about your registered business and it will take approximately three business days to have your information verified.²
Step 2: Add Bank Details	Whether you are withdrawing to a company bank account or a personal bank account, you will need to add the bank details to your Payoneer account. To do this, go to “Banks and cards” and then “Bank accounts for withdrawal”. Payoneer will need the name of the banking institution, whether it is a personal or business account, what country it is in and what currency is needed, along with any other relevant information.¹
Step 3: Choose Withdrawal Amount	Choose the currency to withdraw and select the bank account that you want to use. Enter the amount you want deposited and Payoneer will calculate the real-time target exchange rate for the conversion.¹
Step 4: Select the Target Exchange Rate	This feature from Payoneer allows you to boost savings and minimize the impact of macroeconomic situations on your earnings. It can help users capture the best rates, budget more efficiently, reduce risk, increase efficiency and protect against short-term volatility.⁴When you are making a bank transfer, you will need to select the target exchange rate and set an expiry date for the withdrawal.⁴
Step 5: Review	Before submitting the withdrawal request, review all the available information. Payoneer will add any applicable fees. Once you have confirmed that all the details are correct, you can submit the request. The funds are typically available in the bank account within two business days.¹

Conclusion

Payoneer gives you and your business a way to move money around the world.

If you’re looking for a simple way to send and receive worldwide payments, Payoneer can be a helpful business tool.

Sources:

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.