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bunq vs Payoneer
bunq and Payoneer are both payment receiving platforms. On a $1,000 payment you keep about $1,000 on bunq and $960–$995 on Payoneer, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $1,000 on bunq and $960–$995 on Payoneer, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only bunq offers debit card and ATM. Only Payoneer offers ATM card.
- Payoneer is the older platform — founded in 2005, 7 years before bunq (2012).
- bunq is based in Netherlands, Payoneer in United States.
- bunq focuses on the Netherlands, while Payoneer operates internationally.
Which should you choose?
Choose bunq if…
- Keeping more of each payment matters most — its fee is lower.
- You want to withdraw via debit card and ATM.
- You live in the Netherlands.
Choose Payoneer if…
- You want to withdraw via ATM card.
- You prefer a long track record (since 2005).
Side by side
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bunq
Mobile business account popular with Dutch freelancers for receiving payments.
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Payoneer
The freelancer favorite for international payments - receiving accounts in USD, EUR, GBP and more, connected d…
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | Yes |
| Fees | Free plan, paid plans ~EUR 3-19/mo | Withdrawals 1.2-4% ($1.50 USD to US), 0.5% conversion, $29.95/yr if under $6K |
| Withdraw via | SEPA bank transfer, debit card, ATM | Bank transfer, ATM card |
| Availability | EU/EEA + UK | 190+ countries |
| Local to | Netherlands | — |
| Founded | 2012 | 2005 |
| Headquarters | Amsterdam, Netherlands | New York, United States |
| Stock ticker | — | NASDAQ: PAYO |
| Popularity | 47 views · 0 likes | 70 views · 0 likes |
Frequently asked questions
Which is cheaper, bunq or Payoneer?
On a $1,000 payment you keep about $1,000 on bunq and $960–$995 on Payoneer, before withdrawal or currency-conversion costs.
Where are bunq and Payoneer available?
bunq: EU/EEA + UK. Payoneer: 190+ countries.