How do you get money from Payoneer into a Pakistani bank account? You add your bank account inside Payoneer once, then use Withdraw to send your balance to it. Payoneer converts your dollars to rupees and the money normally arrives within about two working days.
How to withdraw, step by step
- Sign in to Payoneer and open Withdraw, then To bank account.
- If no bank is saved yet, add one: bank name, account title exactly as the bank has it, and your IBAN.
- Choose the balance to withdraw from (usually USD) and the bank account to send to.
- Enter the amount. Payoneer shows the fee and the rupee amount you will receive before you confirm.
- Read that screen, then confirm. Payoneer emails you when the transfer is sent.
What it costs
There are three separate costs, and most surprises come from mixing them up.
- The withdrawal and conversion charge. Payoneer's published range for withdrawing to a bank with currency conversion is wide, and it changed for Pakistan in 2025. Most of the cost sits in the exchange rate: the rate Payoneer gives you is below the rate you see on Google.
- The annual account fee. $29.95 a year. From February 2026 it is reported to apply to accounts that receive less than $6,000 in twelve months, so small sellers should plan for it.
- Receiving fees. Money that arrives from a marketplace such as Etsy follows that marketplace's arrangement with Payoneer. Money sent to your Payoneer receiving account by a client's bank transfer has its own fee.
The only number that counts is the one Payoneer shows on the confirmation screen before you press the button.
A worked example
Say you withdraw $100, and the rate on Google that day gives Rs 28,000. If the total cost of conversion is 3%, you receive about Rs 27,160. On a different day or a different account the figure will be different. These numbers are an illustration, not a quote.
How long it takes
- Usually within two working days.
- Longer over weekends, Eid and bank holidays.
- The first withdrawal to a newly added bank account can take longer while the account is checked.
Why a withdrawal fails or is delayed
- The account title at the bank does not match your Payoneer name.
- A wrong IBAN. Copy it from your banking app; do not type it from memory.
- The account is a type that cannot receive these transfers. Ask your bank if you are unsure.
- Payoneer has asked for a document and is waiting for you.
Common questions
Can I withdraw to JazzCash or Easypaisa? Payoneer has offered withdrawal to mobile wallets in Pakistan. Check inside your own account whether the option is there, and compare the rate with a bank withdrawal before you use it.
Which bank is best? Any bank where the account is in your own name works. Sellers often report faster arrivals at the large banks, but Payoneer does not promise a time for any one bank.
Is there a minimum? Payoneer sets a minimum per withdrawal and shows it on the withdrawal screen. Fewer, larger withdrawals usually cost less trouble than many small ones.
Will the bank ask where the money came from? It may. Keep your Etsy or client statements; they show the money is payment for your work.
Check the current fees
Payoneer changes its fees. Read its own page before you rely on any figure here:
- Payoneer fees
- Payoneer help centre
