Freelancer payout cost index

What reaches a freelancer from one USD 1,000 client payment, through six routes into five currencies. Counted from each company's published fees and the official rate, once a month.

October 2026 edition · Fees checked 22 Oct 2026 · Official rates of 22 Oct 2026 · CC BY 4.0

What lands from 1,000.00 USD by route and currency, October 2026
Route	GELGeorgia	KZTKazakhstan	AMDArmenia	UZSUzbekistan	EURthe EU
Wise	2,559.43	Not available	Not available	Not available	887.65
Deel	2,597.60at most	447,170at most	362,130at most	11,823,645at most	890.70at most
Upwork	2,207.96at most	380,095at most	307,811at most	10,203,145at most	800.75at most
USDC	2,556.04at most	440,015at most	356,336at most	11,811,641at most	887.92at most
Payoneer	2,540.76at most	437,386at most	354,207at most	11,741,059at most	871.21at most
PayPal	2,370.00	412,709	Not available	Not available	820.53

Bold: the most that lands among routes that publish every fee. At most: a fee is not published, so the real amount can only be lower. Fees checked 22 Oct 2026; official rates of 22 Oct 2026.

Georgia, lari

GEL, official rate of 22 Oct 2026.

From 1,000.00 USD, Wise lands 2,559.43 GEL, the most of the routes that publish every fee. PayPal lands 189.43 GEL less. Deel may land more, but it does not publish every fee.

1 USD = 2.5976 GEL, National Bank of Georgia, 22 Oct 2026. Rate history

#	Route	Fees	You get
1	WiseUSD account details, then your local bank	14.69 USD1.47%	2,559.43 GEL
2	PayPalBusiness payment, then your local bank	87.62 USD8.76%	2,370.00 GEL
3	DeelContractor withdrawal to your local bank	0.00 USD0% + unpublished	at most2,597.60 GEL
4	USDCUSDC on Base to your wallet, sold on Kraken	16.00 USD1.6% + unpublished	at most2,556.04 GEL
5	PayoneerUSD receiving account, then your local bank	21.88 USD2.19% or more	at most2,540.76 GEL
6	UpworkUSD wire to your bank	150.00 USD15% + unpublished	at most2,207.96 GEL

Count your own amount

Kazakhstan, tenge

KZT, official rate of 22 Oct 2026.

From 1,000.00 USD, PayPal lands 412,709 KZT, the only route here that publishes every fee. Deel, USDC and Payoneer may land more, but they do not publish every fee.

1 USD = 447.17 KZT, National Bank of Georgia, cross rate, 22 Oct 2026. Rate history

#	Route	Fees	You get
1	PayPalBusiness payment, then a card in tenge	77.06 USD7.71%	412,709 KZT
2	DeelContractor withdrawal to your local bank	0.00 USD0% + unpublished	at most447,170 KZT
3	USDCUSDC on Base to your wallet, sold on Kraken	16.00 USD1.6% + unpublished	at most440,015 KZT
4	PayoneerUSD receiving account, then your local bank	21.88 USD2.19% or more	at most437,386 KZT
5	UpworkUSD wire to your bank	150.00 USD15% + unpublished	at most380,095 KZT
–	WiseUSD account details, then your local bank	Wise holds money only for people living in listed countries; Kazakhstan is not one, and Wise does not send tenge yet.

Count your own amount

Armenia, dram

AMD, official rate of 22 Oct 2026.

From 1,000.00 USD, Deel lands at most 362,130 AMD; no route here publishes every fee into AMD.

1 USD = 362.13 AMD, National Bank of Georgia, cross rate, 22 Oct 2026. Rate history

#	Route	Fees	You get
1	DeelContractor withdrawal to your local bank	0.00 USD0% + unpublished	at most362,130 AMD
2	USDCUSDC on Base to your wallet, sold on Kraken	16.00 USD1.6% + unpublished	at most356,336 AMD
3	PayoneerUSD receiving account, then your local bank	21.88 USD2.19% or more	at most354,207 AMD
4	UpworkUSD wire to your bank	150.00 USD15% + unpublished	at most307,811 AMD
–	WiseUSD account details, then your local bank	Wise holds money only for people living in listed countries; Armenia is not one.
–	PayPalBusiness payment, then your local bank	PayPal's fee page for Armenia names no bank or card withdrawal, so you may not get the money out. Check in your account.

Count your own amount

Uzbekistan, sum

UZS, official rate of 22 Oct 2026.

From 1,000.00 USD, Deel lands at most 11,823,645 UZS; no route here publishes every fee into UZS.

1 USD = 12,003.7 UZS, National Bank of Georgia, cross rate, 22 Oct 2026. Rate history

#	Route	Fees	You get
1	DeelInstant Card Transfer to a card in sum	15.00 USD1.5% + unpublished	at most11,823,645 UZS
2	USDCUSDC on Base to your wallet, sold on Kraken	16.00 USD1.6% + unpublished	at most11,811,641 UZS
3	PayoneerUSD receiving account, then your local bank	21.88 USD2.19% or more	at most11,741,059 UZS
4	UpworkUSD wire to your bank	150.00 USD15% + unpublished	at most10,203,145 UZS
–	WiseUSD account details, then your local bank	Wise holds money only for people living in listed countries; Uzbekistan is not one, and Wise does not send sum yet.
–	PayPalBusiness payment, then your local bank	PayPal does not serve Uzbekistan.

Count your own amount

The EU, euro

EUR, official rate of 22 Oct 2026.

From 1,000.00 USD, Wise lands 887.65 EUR, the most of the routes that publish every fee. PayPal lands 67.12 EUR less. Deel and USDC may land more, but they do not publish every fee.

1 USD = 0.8907 EUR, National Bank of Georgia, cross rate, 22 Oct 2026. Rate history

#	Route	Fees	You get
1	WiseUSD account details, then your local bank	3.42 USD0.34%	887.65 EUR
2	PayPalBusiness payment, then your bank in euros	78.78 USD7.88%	820.53 EUR
3	DeelContractor withdrawal to your local bank	0.00 USD0% + unpublished	at most890.70 EUR
4	USDCUSDC on Base, sold for euros on Kraken	3.12 USD0.31% + unpublished	at most887.92 EUR
5	PayoneerUSD receiving account, then your local bank	21.88 USD2.19% or more	at most871.21 EUR
6	UpworkDirect to Local Bank in euros	100.99 USD10.1% + unpublished	at most800.75 EUR

Count your own amount

Comparisons

Two or more routes side by side, fee by fee.

Wise vs Payoneer in GeorgiaWhat lands in lari from a USD 1,000 client payment through Wise or Payoneer, fee by fee, with sources and the date checked.Wise vs PayPal in the EUWhat lands in euros from a USD 1,000 client payment through Wise or PayPal, fee by fee, with sources and the date checked.Payoneer alternatives in KazakhstanPayoneer, Deel, PayPal, USDC and Wise for a USD 1,000 client payment received in tenge: what lands, fee by fee, with sources and the date checked.

How it is counted

The same model as the payout fees calculator.

Payment: One USD 1,000 payment from a client abroad, received by a freelancer living in Georgia, Kazakhstan, Armenia, Uzbekistan or the EU.
Routes: Wise, Deel, Upwork, USDC on Base sold on Kraken, Payoneer and PayPal, each the way a freelancer usually takes the money out to a local bank or card.
Three parts: The fee to receive, then the fee to withdraw on what is left, then how far below the official rate the money is converted. The rest is multiplied by the official rate.
Fees: Only numbers each company publishes on its own pricing or help pages, read on the day the edition names. The sources are listed below.
Rates: The official rate of the National Bank of Georgia for lari, and its cross rates for tenge, dram, sum and euro, from the Navorina rate pages.
At most: A part a company does not publish counts as zero, and a published range counts its low end. Either way the figure says "at most", because the real amount can only be lower.
Upwork: The service fee is set per contract between 0 and 15%. The index counts 10%.
Ranking: Routes that publish every fee rank first, then "at most" routes, so a hidden markup never tops a column.
Not counted: Tax, fees your own bank charges to receive, yearly account fees (Payoneer charges USD 29.95 a year under USD 6,000 received), and how fast the money arrives.
Editions: A new edition each month with the fees checked again and that day's rates. Each edition keeps its own page and files, so a figure you cite does not change under you.

Sources

Each company's own pricing and help pages.

Wise: Wise: receive fees, Wise: send fees, Wise: where you can hold moneyChecked 22 Oct 2026
Deel: Deel: what it costs, Deel: withdrawal fees, Deel: withdrawals FAQChecked 22 Oct 2026
Upwork: Upwork: service fee, Upwork: wire transfers, Upwork: Direct to Local Bank, Upwork: currency conversionChecked 22 Oct 2026
USDC: Base: network fees, Kraken: fee schedule, Kraken: cash withdrawalsChecked 22 Oct 2026
Payoneer: Payoneer: pricingChecked 22 Oct 2026
PayPal: PayPal Georgia: fees, PayPal Kazakhstan: fees, PayPal Armenia: fees, PayPal Germany: feesChecked 22 Oct 2026
Rates: National Bank of Georgia; National Bank of Georgia, cross rateRates of 22 Oct 2026

Cite and reuse

Free to reuse with a link. No key.

How to cite

Navorina freelancer payout cost index, October 2026 (fees checked 22 Oct 2026, official rates of 22 Oct 2026). https://navorina.ai/payout-index/2026-10

/payout-index/2026-10.jsonOctober 2026: every route and currency, with sources and rules /payout-index/2026-10.csvThe same as CSV, one row per route and currency /payout-index/index.jsonAlways the latest edition, plus the list of editions /rates/index.csvToday's official rates behind the index

Free to reuse with a link to the page, under CC BY 4.0. Fees are each company's published prices. Rates: National Bank of Georgia, under its own terms.

Editions

One a month. Each keeps its page and files.

October 2026Fees checked 22 Oct 2026JSON CSV

Questions

What is the cheapest way to get paid from a US client in Georgia?

Of the routes that publish every fee, Wise keeps the most of a USD 1,000 payment in lari in the current edition. Deel may keep more, but it does not publish the markup it adds when it converts. The table above has every route with its figure and sources.

Why do some figures say "at most"?

Deel, Upwork, Payoneer and banks convert at their own rate or show their fee only after you sign in. We count what is not published as zero and say "at most", because the real amount can only be lower.

How often is the index updated?

Once a month. Each edition has its own page, JSON and CSV that stay as they were published, so older figures can be checked against their sources.

Can I reuse the numbers?

Yes, under CC BY 4.0 with a link to the edition you used. The "How to cite" line gives the wording. The fees are each company's published prices and the rates are the National Bank of Georgia's.

Is Navorina one of the routes?

No. Navorina does not move or hold money. It puts your bank details or a USDC address on the invoice and shows what arrived, so you can see what each route really cost you.

See what each payment really cost you

Navorina puts your bank details or a USDC address on the invoice and shows what arrived. The money goes straight to your bank or wallet; Navorina never holds it. We open by invitation.

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