{
  "name": "Freelancer payout cost index",
  "edition": "2026-10",
  "month": "October 2026",
  "published": "2026-10-22",
  "amount": 1000,
  "amount_currency": "USD",
  "assumptions": {
    "upwork_service_fee_percent": 10
  },
  "fees_checked": "2026-10-22",
  "currencies": [
    {
      "currency": "GEL",
      "country": "Georgia",
      "rate": 2.5976,
      "rate_date": "2026-10-22",
      "rate_source": "National Bank of Georgia",
      "rate_url": "https://navorina.ai/rates/usd-to-gel"
    },
    {
      "currency": "KZT",
      "country": "Kazakhstan",
      "rate": 447.17,
      "rate_date": "2026-10-22",
      "rate_source": "National Bank of Georgia, cross rate",
      "rate_url": "https://navorina.ai/rates/usd-to-kzt"
    },
    {
      "currency": "AMD",
      "country": "Armenia",
      "rate": 362.13,
      "rate_date": "2026-10-22",
      "rate_source": "National Bank of Georgia, cross rate",
      "rate_url": "https://navorina.ai/rates/usd-to-amd"
    },
    {
      "currency": "UZS",
      "country": "Uzbekistan",
      "rate": 12003.7,
      "rate_date": "2026-10-22",
      "rate_source": "National Bank of Georgia, cross rate",
      "rate_url": "https://navorina.ai/rates/usd-to-uzs"
    },
    {
      "currency": "EUR",
      "country": "the EU",
      "rate": 0.8907,
      "rate_date": "2026-10-22",
      "rate_source": "National Bank of Georgia, cross rate",
      "rate_url": "https://navorina.ai/rates/usd-to-eur"
    }
  ],
  "routes": [
    {
      "id": "wise",
      "name": "Wise",
      "checked": "2026-10-22",
      "sources": [
        {
          "name": "Wise: receive fees",
          "url": "https://wise.com/us/pricing/receive"
        },
        {
          "name": "Wise: send fees",
          "url": "https://wise.com/us/pricing/send-money?source=USD&target=GEL&amount=1000"
        },
        {
          "name": "Wise: where you can hold money",
          "url": "https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise"
        }
      ]
    },
    {
      "id": "deel",
      "name": "Deel",
      "checked": "2026-10-22",
      "sources": [
        {
          "name": "Deel: what it costs",
          "url": "https://help.letsdeel.com/hc/en-gb/articles/4407737725201-How-Much-Does-Deel-Cost"
        },
        {
          "name": "Deel: withdrawal fees",
          "url": "https://help.letsdeel.com/hc/en-gb/articles/14391381019537-About-Withdrawal-Fees-and-Withdrawal-Minimums"
        },
        {
          "name": "Deel: withdrawals FAQ",
          "url": "https://help.letsdeel.com/hc/en-gb/articles/8743763526929-Frequently-Asked-Questions-about-Withdrawals"
        }
      ]
    },
    {
      "id": "upwork",
      "name": "Upwork",
      "checked": "2026-10-22",
      "sources": [
        {
          "name": "Upwork: service fee",
          "url": "https://support.upwork.com/hc/en-us/articles/211062538-Learn-about-the-Freelancer-Service-Fee"
        },
        {
          "name": "Upwork: wire transfers",
          "url": "https://support.upwork.com/hc/en-us/articles/211063898-How-do-wire-transfers-work-on-Upwork"
        },
        {
          "name": "Upwork: Direct to Local Bank",
          "url": "https://support.upwork.com/hc/en-us/articles/211060578-What-are-the-fees-limits-and-timing-of-Direct-to-Local-Bank-payments"
        },
        {
          "name": "Upwork: currency conversion",
          "url": "https://support.upwork.com/hc/en-us/articles/42223445436307-How-currency-conversion-works-on-Upwork"
        }
      ]
    },
    {
      "id": "usdc",
      "name": "USDC",
      "checked": "2026-10-22",
      "sources": [
        {
          "name": "Base: network fees",
          "url": "https://docs.base.org/base-chain/network-information/network-fees"
        },
        {
          "name": "Kraken: fee schedule",
          "url": "https://www.kraken.com/features/fee-schedule"
        },
        {
          "name": "Kraken: cash withdrawals",
          "url": "https://support.kraken.com/articles/360000423043-cash-withdrawal-options-fees-minimums-and-processing-times-"
        }
      ]
    },
    {
      "id": "payoneer",
      "name": "Payoneer",
      "checked": "2026-10-22",
      "sources": [
        {
          "name": "Payoneer: pricing",
          "url": "https://www.payoneer.com/pricing/"
        }
      ]
    },
    {
      "id": "paypal",
      "name": "PayPal",
      "checked": "2026-10-22",
      "sources": [
        {
          "name": "PayPal Georgia: fees",
          "url": "https://www.paypal.com/ge/business/paypal-business-fees"
        },
        {
          "name": "PayPal Kazakhstan: fees",
          "url": "https://www.paypal.com/kz/business/paypal-business-fees"
        },
        {
          "name": "PayPal Armenia: fees",
          "url": "https://www.paypal.com/am/business/paypal-business-fees"
        },
        {
          "name": "PayPal Germany: fees",
          "url": "https://www.paypal.com/de/business/paypal-business-fees"
        }
      ]
    }
  ],
  "rows": [
    {
      "route": "wise",
      "route_name": "Wise",
      "currency": "GEL",
      "country": "Georgia",
      "method": "USD account details, then your local bank",
      "available": true,
      "reason": null,
      "rank": 1,
      "lands": 2559.43,
      "lands_usd": 985.31,
      "fees_usd": 14.69,
      "fees_percent": 1.47,
      "platform_usd": 0,
      "withdrawal_usd": 14.69,
      "fx_usd": 0,
      "at_most": false,
      "unpublished": [],
      "low_end": [],
      "rules": {
        "platform": "Free to receive a US domestic (ACH) payment. A wire costs USD 6.11.",
        "withdrawal": "1.34% of what is converted plus USD 1.49, to a Georgian bank in lari.",
        "fx": "None. Wise converts at the mid-market rate and shows its fee separately."
      },
      "rate": 2.5976,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "paypal",
      "route_name": "PayPal",
      "currency": "GEL",
      "country": "Georgia",
      "method": "Business payment, then your local bank",
      "available": true,
      "reason": null,
      "rank": 2,
      "lands": 2370,
      "lands_usd": 912.38,
      "fees_usd": 87.62,
      "fees_percent": 8.76,
      "platform_usd": 54.2,
      "withdrawal_usd": 5.2,
      "fx_usd": 28.22,
      "at_most": false,
      "unpublished": [],
      "low_end": [],
      "rules": {
        "platform": "Georgia: 5.39% + USD 0.30 for a commercial payment from a client outside Europe.",
        "withdrawal": "Georgia: GEL 13.50 (about USD 5.20) per withdrawal to a bank in lari.",
        "fx": "Georgia: 3.0% above the base rate when PayPal converts."
      },
      "rate": 2.5976,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "deel",
      "route_name": "Deel",
      "currency": "GEL",
      "country": "Georgia",
      "method": "Contractor withdrawal to your local bank",
      "available": true,
      "reason": null,
      "rank": 3,
      "lands": 2597.6,
      "lands_usd": 1000,
      "fees_usd": 0,
      "fees_percent": 0,
      "platform_usd": 0,
      "withdrawal_usd": 0,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "Nothing for the contractor. The client pays Deel per contract.",
        "withdrawal": "Local bank transfer: no Deel fee. Its bank partner may charge in some currencies.",
        "fx": "Deel converts when you withdraw in another currency and shows an estimate first. It does not publish the markup."
      },
      "rate": 2.5976,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "usdc",
      "route_name": "USDC",
      "currency": "GEL",
      "country": "Georgia",
      "method": "USDC on Base to your wallet, sold on Kraken",
      "available": true,
      "reason": null,
      "rank": 4,
      "lands": 2556.04,
      "lands_usd": 984,
      "fees_usd": 16,
      "fees_percent": 1.6,
      "platform_usd": 0,
      "withdrawal_usd": 16,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "The client pays the Base network fee, a fraction of a cent.",
        "withdrawal": "Kraken: 0.20% to sell USDC for dollars, then USD 14 by SWIFT. Kraken does not pay out in lari, tenge, dram or sum.",
        "fx": "Your bank converts the dollars at its own rate. Banks do not publish one markup for this."
      },
      "rate": 2.5976,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "payoneer",
      "route_name": "Payoneer",
      "currency": "GEL",
      "country": "Georgia",
      "method": "USD receiving account, then your local bank",
      "available": true,
      "reason": null,
      "rank": 5,
      "lands": 2540.76,
      "lands_usd": 978.12,
      "fees_usd": 21.88,
      "fees_percent": 2.19,
      "platform_usd": 10,
      "withdrawal_usd": 11.88,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [],
      "low_end": [
        "withdrawal"
      ],
      "rules": {
        "platform": "1% to receive a bank transfer into a USD receiving account, at least USD 1.",
        "withdrawal": "Withdrawal with conversion: 1.2% to 4%. Your rate shows only when you are signed in, so the lowest is counted.",
        "fx": "Included in the withdrawal fee. Payoneer converts at wholesale market rates with that fee inside."
      },
      "rate": 2.5976,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "upwork",
      "route_name": "Upwork",
      "currency": "GEL",
      "country": "Georgia",
      "method": "USD wire to your bank",
      "available": true,
      "reason": null,
      "rank": 6,
      "lands": 2207.96,
      "lands_usd": 850,
      "fees_usd": 150,
      "fees_percent": 15,
      "platform_usd": 100,
      "withdrawal_usd": 50,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "Service fee set per contract, 0 to 15%. Taken from every payment.",
        "withdrawal": "USD 50 per wire, plus what your bank and any bank in between charge.",
        "fx": "Your bank converts the dollars at its own rate. Banks do not publish one markup for this."
      },
      "rate": 2.5976,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "paypal",
      "route_name": "PayPal",
      "currency": "KZT",
      "country": "Kazakhstan",
      "method": "Business payment, then a card in tenge",
      "available": true,
      "reason": null,
      "rank": 1,
      "lands": 412709,
      "lands_usd": 922.94,
      "fees_usd": 77.06,
      "fees_percent": 7.71,
      "platform_usd": 44.3,
      "withdrawal_usd": 4.22,
      "fx_usd": 28.54,
      "at_most": false,
      "unpublished": [],
      "low_end": [],
      "rules": {
        "platform": "Kazakhstan: 4.40% + USD 0.30 for a commercial payment from abroad.",
        "withdrawal": "Kazakhstan: KZT 1,887 (about USD 4.22) per withdrawal to a card. PayPal does not name a direct bank withdrawal for Kazakhstan.",
        "fx": "Kazakhstan: 3.0% above the base rate when PayPal converts."
      },
      "rate": 447.17,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "deel",
      "route_name": "Deel",
      "currency": "KZT",
      "country": "Kazakhstan",
      "method": "Contractor withdrawal to your local bank",
      "available": true,
      "reason": null,
      "rank": 2,
      "lands": 447170,
      "lands_usd": 1000,
      "fees_usd": 0,
      "fees_percent": 0,
      "platform_usd": 0,
      "withdrawal_usd": 0,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "Nothing for the contractor. The client pays Deel per contract.",
        "withdrawal": "Local bank transfer: no Deel fee. Its bank partner may charge in some currencies.",
        "fx": "Deel converts when you withdraw in another currency and shows an estimate first. It does not publish the markup."
      },
      "rate": 447.17,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "usdc",
      "route_name": "USDC",
      "currency": "KZT",
      "country": "Kazakhstan",
      "method": "USDC on Base to your wallet, sold on Kraken",
      "available": true,
      "reason": null,
      "rank": 3,
      "lands": 440015,
      "lands_usd": 984,
      "fees_usd": 16,
      "fees_percent": 1.6,
      "platform_usd": 0,
      "withdrawal_usd": 16,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "The client pays the Base network fee, a fraction of a cent.",
        "withdrawal": "Kraken: 0.20% to sell USDC for dollars, then USD 14 by SWIFT. Kraken does not pay out in lari, tenge, dram or sum.",
        "fx": "Your bank converts the dollars at its own rate. Banks do not publish one markup for this."
      },
      "rate": 447.17,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "payoneer",
      "route_name": "Payoneer",
      "currency": "KZT",
      "country": "Kazakhstan",
      "method": "USD receiving account, then your local bank",
      "available": true,
      "reason": null,
      "rank": 4,
      "lands": 437386,
      "lands_usd": 978.12,
      "fees_usd": 21.88,
      "fees_percent": 2.19,
      "platform_usd": 10,
      "withdrawal_usd": 11.88,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [],
      "low_end": [
        "withdrawal"
      ],
      "rules": {
        "platform": "1% to receive a bank transfer into a USD receiving account, at least USD 1.",
        "withdrawal": "Withdrawal with conversion: 1.2% to 4%. Your rate shows only when you are signed in, so the lowest is counted.",
        "fx": "Included in the withdrawal fee. Payoneer converts at wholesale market rates with that fee inside."
      },
      "rate": 447.17,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "upwork",
      "route_name": "Upwork",
      "currency": "KZT",
      "country": "Kazakhstan",
      "method": "USD wire to your bank",
      "available": true,
      "reason": null,
      "rank": 5,
      "lands": 380095,
      "lands_usd": 850,
      "fees_usd": 150,
      "fees_percent": 15,
      "platform_usd": 100,
      "withdrawal_usd": 50,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "Service fee set per contract, 0 to 15%. Taken from every payment.",
        "withdrawal": "USD 50 per wire, plus what your bank and any bank in between charge.",
        "fx": "Your bank converts the dollars at its own rate. Banks do not publish one markup for this."
      },
      "rate": 447.17,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "wise",
      "route_name": "Wise",
      "currency": "KZT",
      "country": "Kazakhstan",
      "method": "USD account details, then your local bank",
      "available": false,
      "reason": "Wise holds money only for people living in listed countries; Kazakhstan is not one, and Wise does not send tenge yet.",
      "rank": null,
      "lands": null,
      "lands_usd": null,
      "fees_usd": null,
      "fees_percent": null,
      "platform_usd": null,
      "withdrawal_usd": null,
      "fx_usd": null,
      "at_most": null,
      "unpublished": [],
      "low_end": [],
      "rules": {
        "platform": "Free to receive a US domestic (ACH) payment. A wire costs USD 6.11.",
        "withdrawal": "Wise's conversion fee, a share of what is converted plus a fixed fee.",
        "fx": "None. Wise converts at the mid-market rate and shows its fee separately."
      },
      "rate": 447.17,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "deel",
      "route_name": "Deel",
      "currency": "AMD",
      "country": "Armenia",
      "method": "Contractor withdrawal to your local bank",
      "available": true,
      "reason": null,
      "rank": 1,
      "lands": 362130,
      "lands_usd": 1000,
      "fees_usd": 0,
      "fees_percent": 0,
      "platform_usd": 0,
      "withdrawal_usd": 0,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "Nothing for the contractor. The client pays Deel per contract.",
        "withdrawal": "Local bank transfer: no Deel fee. Its bank partner may charge in some currencies.",
        "fx": "Deel converts when you withdraw in another currency and shows an estimate first. It does not publish the markup."
      },
      "rate": 362.13,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "usdc",
      "route_name": "USDC",
      "currency": "AMD",
      "country": "Armenia",
      "method": "USDC on Base to your wallet, sold on Kraken",
      "available": true,
      "reason": null,
      "rank": 2,
      "lands": 356336,
      "lands_usd": 984,
      "fees_usd": 16,
      "fees_percent": 1.6,
      "platform_usd": 0,
      "withdrawal_usd": 16,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "The client pays the Base network fee, a fraction of a cent.",
        "withdrawal": "Kraken: 0.20% to sell USDC for dollars, then USD 14 by SWIFT. Kraken does not pay out in lari, tenge, dram or sum.",
        "fx": "Your bank converts the dollars at its own rate. Banks do not publish one markup for this."
      },
      "rate": 362.13,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "payoneer",
      "route_name": "Payoneer",
      "currency": "AMD",
      "country": "Armenia",
      "method": "USD receiving account, then your local bank",
      "available": true,
      "reason": null,
      "rank": 3,
      "lands": 354207,
      "lands_usd": 978.12,
      "fees_usd": 21.88,
      "fees_percent": 2.19,
      "platform_usd": 10,
      "withdrawal_usd": 11.88,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [],
      "low_end": [
        "withdrawal"
      ],
      "rules": {
        "platform": "1% to receive a bank transfer into a USD receiving account, at least USD 1.",
        "withdrawal": "Withdrawal with conversion: 1.2% to 4%. Your rate shows only when you are signed in, so the lowest is counted.",
        "fx": "Included in the withdrawal fee. Payoneer converts at wholesale market rates with that fee inside."
      },
      "rate": 362.13,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "upwork",
      "route_name": "Upwork",
      "currency": "AMD",
      "country": "Armenia",
      "method": "USD wire to your bank",
      "available": true,
      "reason": null,
      "rank": 4,
      "lands": 307811,
      "lands_usd": 850,
      "fees_usd": 150,
      "fees_percent": 15,
      "platform_usd": 100,
      "withdrawal_usd": 50,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "Service fee set per contract, 0 to 15%. Taken from every payment.",
        "withdrawal": "USD 50 per wire, plus what your bank and any bank in between charge.",
        "fx": "Your bank converts the dollars at its own rate. Banks do not publish one markup for this."
      },
      "rate": 362.13,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "wise",
      "route_name": "Wise",
      "currency": "AMD",
      "country": "Armenia",
      "method": "USD account details, then your local bank",
      "available": false,
      "reason": "Wise holds money only for people living in listed countries; Armenia is not one.",
      "rank": null,
      "lands": null,
      "lands_usd": null,
      "fees_usd": null,
      "fees_percent": null,
      "platform_usd": null,
      "withdrawal_usd": null,
      "fx_usd": null,
      "at_most": null,
      "unpublished": [],
      "low_end": [],
      "rules": {
        "platform": "Free to receive a US domestic (ACH) payment. A wire costs USD 6.11.",
        "withdrawal": "Wise's conversion fee, a share of what is converted plus a fixed fee.",
        "fx": "None. Wise converts at the mid-market rate and shows its fee separately."
      },
      "rate": 362.13,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "paypal",
      "route_name": "PayPal",
      "currency": "AMD",
      "country": "Armenia",
      "method": "Business payment, then your local bank",
      "available": false,
      "reason": "PayPal's fee page for Armenia names no bank or card withdrawal, so you may not get the money out. Check in your account.",
      "rank": null,
      "lands": null,
      "lands_usd": null,
      "fees_usd": null,
      "fees_percent": null,
      "platform_usd": null,
      "withdrawal_usd": null,
      "fx_usd": null,
      "at_most": null,
      "unpublished": [],
      "low_end": [],
      "rules": {
        "platform": "Georgia: 5.39% + USD 0.30 for a commercial payment from a client outside Europe.",
        "withdrawal": "Georgia: GEL 13.50 (about USD 5.20) per withdrawal to a bank in lari.",
        "fx": "Georgia: 3.0% above the base rate when PayPal converts."
      },
      "rate": 362.13,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "deel",
      "route_name": "Deel",
      "currency": "UZS",
      "country": "Uzbekistan",
      "method": "Instant Card Transfer to a card in sum",
      "available": true,
      "reason": null,
      "rank": 1,
      "lands": 11823645,
      "lands_usd": 985,
      "fees_usd": 15,
      "fees_percent": 1.5,
      "platform_usd": 0,
      "withdrawal_usd": 15,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "Nothing for the contractor. The client pays Deel per contract.",
        "withdrawal": "Instant Card Transfer: 2%, at most USD 15. Deel lists no local bank transfer in sum.",
        "fx": "Deel converts when you withdraw in another currency and shows an estimate first. It does not publish the markup."
      },
      "rate": 12003.7,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "usdc",
      "route_name": "USDC",
      "currency": "UZS",
      "country": "Uzbekistan",
      "method": "USDC on Base to your wallet, sold on Kraken",
      "available": true,
      "reason": null,
      "rank": 2,
      "lands": 11811641,
      "lands_usd": 984,
      "fees_usd": 16,
      "fees_percent": 1.6,
      "platform_usd": 0,
      "withdrawal_usd": 16,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "The client pays the Base network fee, a fraction of a cent.",
        "withdrawal": "Kraken: 0.20% to sell USDC for dollars, then USD 14 by SWIFT. Kraken does not pay out in lari, tenge, dram or sum.",
        "fx": "Your bank converts the dollars at its own rate. Banks do not publish one markup for this."
      },
      "rate": 12003.7,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "payoneer",
      "route_name": "Payoneer",
      "currency": "UZS",
      "country": "Uzbekistan",
      "method": "USD receiving account, then your local bank",
      "available": true,
      "reason": null,
      "rank": 3,
      "lands": 11741059,
      "lands_usd": 978.12,
      "fees_usd": 21.88,
      "fees_percent": 2.19,
      "platform_usd": 10,
      "withdrawal_usd": 11.88,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [],
      "low_end": [
        "withdrawal"
      ],
      "rules": {
        "platform": "1% to receive a bank transfer into a USD receiving account, at least USD 1.",
        "withdrawal": "Withdrawal with conversion: 1.2% to 4%. Your rate shows only when you are signed in, so the lowest is counted.",
        "fx": "Included in the withdrawal fee. Payoneer converts at wholesale market rates with that fee inside."
      },
      "rate": 12003.7,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "upwork",
      "route_name": "Upwork",
      "currency": "UZS",
      "country": "Uzbekistan",
      "method": "USD wire to your bank",
      "available": true,
      "reason": null,
      "rank": 4,
      "lands": 10203145,
      "lands_usd": 850,
      "fees_usd": 150,
      "fees_percent": 15,
      "platform_usd": 100,
      "withdrawal_usd": 50,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "Service fee set per contract, 0 to 15%. Taken from every payment.",
        "withdrawal": "USD 50 per wire, plus what your bank and any bank in between charge.",
        "fx": "Your bank converts the dollars at its own rate. Banks do not publish one markup for this."
      },
      "rate": 12003.7,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "wise",
      "route_name": "Wise",
      "currency": "UZS",
      "country": "Uzbekistan",
      "method": "USD account details, then your local bank",
      "available": false,
      "reason": "Wise holds money only for people living in listed countries; Uzbekistan is not one, and Wise does not send sum yet.",
      "rank": null,
      "lands": null,
      "lands_usd": null,
      "fees_usd": null,
      "fees_percent": null,
      "platform_usd": null,
      "withdrawal_usd": null,
      "fx_usd": null,
      "at_most": null,
      "unpublished": [],
      "low_end": [],
      "rules": {
        "platform": "Free to receive a US domestic (ACH) payment. A wire costs USD 6.11.",
        "withdrawal": "Wise's conversion fee, a share of what is converted plus a fixed fee.",
        "fx": "None. Wise converts at the mid-market rate and shows its fee separately."
      },
      "rate": 12003.7,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "paypal",
      "route_name": "PayPal",
      "currency": "UZS",
      "country": "Uzbekistan",
      "method": "Business payment, then your local bank",
      "available": false,
      "reason": "PayPal does not serve Uzbekistan.",
      "rank": null,
      "lands": null,
      "lands_usd": null,
      "fees_usd": null,
      "fees_percent": null,
      "platform_usd": null,
      "withdrawal_usd": null,
      "fx_usd": null,
      "at_most": null,
      "unpublished": [],
      "low_end": [],
      "rules": {
        "platform": "Georgia: 5.39% + USD 0.30 for a commercial payment from a client outside Europe.",
        "withdrawal": "Georgia: GEL 13.50 (about USD 5.20) per withdrawal to a bank in lari.",
        "fx": "Georgia: 3.0% above the base rate when PayPal converts."
      },
      "rate": 12003.7,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "wise",
      "route_name": "Wise",
      "currency": "EUR",
      "country": "the EU",
      "method": "USD account details, then your local bank",
      "available": true,
      "reason": null,
      "rank": 1,
      "lands": 887.65,
      "lands_usd": 996.58,
      "fees_usd": 3.42,
      "fees_percent": 0.34,
      "platform_usd": 0,
      "withdrawal_usd": 3.42,
      "fx_usd": 0,
      "at_most": false,
      "unpublished": [],
      "low_end": [],
      "rules": {
        "platform": "Free to receive a US domestic (ACH) payment. A wire costs USD 6.11.",
        "withdrawal": "0.29% of what is converted plus USD 0.53, to a bank in euros by SEPA.",
        "fx": "None. Wise converts at the mid-market rate and shows its fee separately."
      },
      "rate": 0.8907,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "paypal",
      "route_name": "PayPal",
      "currency": "EUR",
      "country": "the EU",
      "method": "Business payment, then your bank in euros",
      "available": true,
      "reason": null,
      "rank": 2,
      "lands": 820.53,
      "lands_usd": 921.22,
      "fees_usd": 78.78,
      "fees_percent": 7.88,
      "platform_usd": 50.29,
      "withdrawal_usd": 0,
      "fx_usd": 28.49,
      "at_most": false,
      "unpublished": [],
      "low_end": [],
      "rules": {
        "platform": "Germany: 2.99% + 1.99% for a client outside Europe, + USD 0.49.",
        "withdrawal": "Germany: free to a local bank when no conversion is involved.",
        "fx": "Germany: 3% above the base rate when PayPal converts."
      },
      "rate": 0.8907,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "deel",
      "route_name": "Deel",
      "currency": "EUR",
      "country": "the EU",
      "method": "Contractor withdrawal to your local bank",
      "available": true,
      "reason": null,
      "rank": 3,
      "lands": 890.7,
      "lands_usd": 1000,
      "fees_usd": 0,
      "fees_percent": 0,
      "platform_usd": 0,
      "withdrawal_usd": 0,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "Nothing for the contractor. The client pays Deel per contract.",
        "withdrawal": "Local bank transfer: no Deel fee. Its bank partner may charge in some currencies.",
        "fx": "Deel converts when you withdraw in another currency and shows an estimate first. It does not publish the markup."
      },
      "rate": 0.8907,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "usdc",
      "route_name": "USDC",
      "currency": "EUR",
      "country": "the EU",
      "method": "USDC on Base, sold for euros on Kraken",
      "available": true,
      "reason": null,
      "rank": 4,
      "lands": 887.92,
      "lands_usd": 996.88,
      "fees_usd": 3.12,
      "fees_percent": 0.31,
      "platform_usd": 0,
      "withdrawal_usd": 3.12,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "The client pays the Base network fee, a fraction of a cent.",
        "withdrawal": "Kraken: 0.20% to sell USDC for euros, then EUR 1 (about USD 1.12) by SEPA.",
        "fx": "Sold at Kraken's order book price. The gap to the official rate is the market spread, not a published fee."
      },
      "rate": 0.8907,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "payoneer",
      "route_name": "Payoneer",
      "currency": "EUR",
      "country": "the EU",
      "method": "USD receiving account, then your local bank",
      "available": true,
      "reason": null,
      "rank": 5,
      "lands": 871.21,
      "lands_usd": 978.12,
      "fees_usd": 21.88,
      "fees_percent": 2.19,
      "platform_usd": 10,
      "withdrawal_usd": 11.88,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [],
      "low_end": [
        "withdrawal"
      ],
      "rules": {
        "platform": "1% to receive a bank transfer into a USD receiving account, at least USD 1.",
        "withdrawal": "Withdrawal with conversion: 1.2% to 4%. Your rate shows only when you are signed in, so the lowest is counted.",
        "fx": "Included in the withdrawal fee. Payoneer converts at wholesale market rates with that fee inside."
      },
      "rate": 0.8907,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    },
    {
      "route": "upwork",
      "route_name": "Upwork",
      "currency": "EUR",
      "country": "the EU",
      "method": "Direct to Local Bank in euros",
      "available": true,
      "reason": null,
      "rank": 6,
      "lands": 800.75,
      "lands_usd": 899.01,
      "fees_usd": 100.99,
      "fees_percent": 10.1,
      "platform_usd": 100,
      "withdrawal_usd": 0.99,
      "fx_usd": 0,
      "at_most": true,
      "unpublished": [
        "fx"
      ],
      "low_end": [],
      "rules": {
        "platform": "Service fee set per contract, 0 to 15%. Taken from every payment.",
        "withdrawal": "USD 0.99 per withdrawal. Some banks charge to receive it.",
        "fx": "Upwork's payment partner converts and may add a markup. Upwork does not publish it."
      },
      "rate": 0.8907,
      "rate_date": "2026-10-22",
      "fees_checked": "2026-10-22"
    }
  ],
  "license": {
    "name": "CC BY 4.0",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "note": "Free to reuse with a link to https://navorina.ai/payout-index/2026-10. Fees are each company's published prices; rates are the National Bank of Georgia's, under its own terms."
  },
  "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",
  "url": "https://navorina.ai/payout-index/2026-10",
  "json": "https://navorina.ai/payout-index/2026-10.json",
  "csv": "https://navorina.ai/payout-index/2026-10.csv"
}