Payout fees calculator
What reaches you from one client payment, route by route, counted from each company's published fees.
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| 3 | DeelContractor withdrawal to your local bank | 0.00 USD0% + unpublished | at most2,597.60 GEL |
| 4 | USDCUSDC on Base to your wallet, sold on Kraken | 16.00 USD1.6% + unpublished | at most2,556.04 GEL |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| 6 | UpworkUSD wire to your bank | 150.00 USD15% + unpublished | at most2,207.96 GEL |
How each route is counted
Three parts, one after another: the fee to receive, the fee to withdraw, and how far below the official rate you convert.
Wise
USD account details, then your local bank
- Platform fee
- 0.00 USDFree to receive a US domestic (ACH) payment. A wire costs USD 6.11.
- Withdrawal fee
- 14.69 USD1.34% of what is converted plus USD 1.49, to a Georgian bank in lari.
- Currency markup
- 0.00 USDNone. Wise converts at the mid-market rate and shows its fee separately.
- Wise fees were read from its public price list for USD 1,000 on the day above. They change with the amount and over time.
- Fees drop after USD 25,000 in a month.
Source: Wise: receive fees, Wise: send fees, Wise: where you can hold money. Checked 22 Oct 2026.
Deel
Contractor withdrawal to your local bank
- Platform fee
- 0.00 USDNothing for the contractor. The client pays Deel per contract.
- Withdrawal fee
- 0.00 USDLocal bank transfer: no Deel fee. Its bank partner may charge in some currencies.
- Currency markup
- Not publishedDeel converts when you withdraw in another currency and shows an estimate first. It does not publish the markup.
- Minimum withdrawal by local bank transfer is USD 10.
- A contract with no payments for two months in a row can cost up to USD 5 a month.
Source: Deel: what it costs, Deel: withdrawal fees, Deel: withdrawals FAQ. Checked 22 Oct 2026.
Upwork
USD wire to your bank
- Platform fee
- 100.00 USDService fee set per contract, 0 to 15%. Taken from every payment.
- Withdrawal fee
- 50.00 USDUSD 50 per wire, plus what your bank and any bank in between charge.
- Currency markup
- Not publishedYour bank converts the dollars at its own rate. Banks do not publish one markup for this.
- Upwork has no Direct to Local Bank in lari, tenge, dram or sum, so the wire is shown for those.
- PayPal and Payoneer withdrawals carry "a small fee" that Upwork does not publish on its help pages.
Source: Upwork: service fee, Upwork: wire transfers, Upwork: Direct to Local Bank, Upwork: currency conversion. Checked 22 Oct 2026.
USDC
USDC on Base to your wallet, sold on Kraken
- Platform fee
- 0.00 USDThe client pays the Base network fee, a fraction of a cent.
- Withdrawal fee
- 16.00 USDKraken: 0.20% to sell USDC for dollars, then USD 14 by SWIFT. Kraken does not pay out in lari, tenge, dram or sum.
- Currency markup
- Not publishedYour bank converts the dollars at its own rate. Banks do not publish one markup for this.
- Kraken's fees are for its Pro order book at the lowest tier. Instant trades in the app cost 1%.
- Kraken says withdrawal fees can differ by the country your account is registered in. SWIFT needs at least USD 100.
- Navorina never holds the USDC: it goes to a wallet you control.
Source: Base: network fees, Kraken: fee schedule, Kraken: cash withdrawals. Checked 22 Oct 2026.
Payoneer
USD receiving account, then your local bank
- Platform fee
- 10.00 USD1% to receive a bank transfer into a USD receiving account, at least USD 1.
- Withdrawal fee
- From 11.88 USDWithdrawal with conversion: 1.2% to 4%. Your rate shows only when you are signed in, so the lowest is counted.
- Currency markup
- 0.00 USDIncluded in the withdrawal fee. Payoneer converts at wholesale market rates with that fee inside.
- Payoneer publishes one price list for all countries and says fees may differ by territory.
- USD 29.95 a year if the account receives under USD 6,000 in 12 months.
- Payoneer does not list publicly which local currencies it pays out in, so check lari, tenge, dram or sum in your account first.
Source: Payoneer: pricing. Checked 22 Oct 2026.
PayPal
Business payment, then your local bank
- Platform fee
- 54.20 USDGeorgia: 5.39% + USD 0.30 for a commercial payment from a client outside Europe.
- Withdrawal fee
- 5.20 USDGeorgia: GEL 13.50 (about USD 5.20) per withdrawal to a bank in lari.
- Currency markup
- 28.22 USDGeorgia: 3.0% above the base rate when PayPal converts.
- Fees for the EU are Germany's; other EU countries have their own PayPal price lists.
- A personal "friends and family" payment is not for paid work.
Source: PayPal Georgia: fees, PayPal Kazakhstan: fees, PayPal Armenia: fees, PayPal Germany: fees. Checked 22 Oct 2026.
Questions
Which route keeps the most of a client payment?
It depends on where you live. In Georgia and the EU, Wise keeps the most of the routes that publish every fee. Wise does not hold money for residents of Kazakhstan, Armenia or Uzbekistan, so there compare Deel, Payoneer and USDC, which do not publish every fee.
Why do some routes say "at most"?
Upwork, Deel and banks convert at their own rate and do not publish the markup. We count it as zero and say "at most", because the real amount can only be lower.
Where do the exchange rates come from?
The official rate of the National Bank of Georgia for lari, and its cross rates for tenge, dram, sum and euro, from our rate pages. The page names the day of the rate it used.
Is Upwork's fee always 10%?
No. Upwork sets the freelancer service fee per contract, between 0 and 15%, and shows it before you apply. Set yours in the calculator.
Does this page send my numbers anywhere?
No. It counts in your browser. The numbers stay in the page link so you can share it.
Is Navorina a payout provider?
No. Navorina sends invoices with your bank details or a USDC address and shows what arrived. The money goes straight to your bank or wallet; Navorina never holds it.
Read next
Invoice the client directly
Navorina puts your bank details or a USDC address on the invoice. The money goes straight to your bank or wallet; Navorina never holds it. We open by invitation.