Upwork, Deel and Payoneer payouts compared
The same client payment can lose a few dollars or a few hundred on its way to you. This page compares the published fees of the common routes for a freelancer paid in US dollars.
What you keep from one payment
EstimateDeel, as a contractor
Client pays Deel; USD 5 to withdraw across borders
1,995.00 USD
Wise account details
Free to receive by ACH, about 0.5% to convert
1,990.00 USD
USDC to your own wallet
A few cents on Base plus about 1% to cash out
1,979.95 USD
Payoneer
1% to receive by bank transfer, 1.2 to 4% to withdraw with conversion (2% shown)
1,940.00 USD
Upwork
Service fee 0 to 15% per contract (10% shown) plus USD 0.99 to a local bank
1,799.01 USD
Published fees on the day above, for one payment with conversion to your local currency. Upwork's fee is set per contract.
Published fees side by side
| To receive | To withdraw | Notes | |
|---|---|---|---|
| Upwork | Service fee 0 to 15%, shown before you apply | USD 0.99 local bank, USD 50 wire | US ACH for a non-US tax address USD 2.99 from 1 September 2026 |
| Deel | Paid by the client | Local bank free, cross-border USD 5 | Payoneer 1% (min USD 12), USDC via Coinbase from USD 5 |
| Payoneer | 1% by bank, up to 3.99% + USD 0.49 by card | USD 1.50 same currency, 1.2 to 4% otherwise | USD 29.95 a year under USD 6,000 received |
| Wise | ACH free, wire USD 6.11 | To your own bank: the conversion fee | Conversion from 0.23%, varies by currency |
| USDC | Network fee, cents on Base | Exchange and bank fees, about 1% | Depends on exchanges in your country |
Sources: Upwork, Deel, Payoneer, Wise, Circle: USDC.
Read the fee you cannot see
Most of the cost on a payout hides in the exchange rate, not in the fixed fee. Compare the rate you got with the official rate for that day on our rate pages.
Platforms like Upwork charge for finding the client as well as for moving the money. Once a client is yours, invoicing them directly usually costs far less.
Questions
Why does Upwork show a different fee on each job?
Upwork sets the freelancer service fee per contract, between 0 and 15%, and shows it before you apply.
Is Navorina a payout platform?
No. Navorina sends invoices and shows what arrived through licensed providers; the money goes to your own bank or wallet.
Not tax, legal or financial advice. Rules change and your case may differ; check with the authority linked above or an accountant before you act. Terms