How To Add Money To Your Payoneer Debit Card

If you live in any country but receive payment in other currencies than your local currency, Payoneer is a convenient way to receive payments directly to your card.

Nowadays, most businesses prefer to get paid by Payoneer. Payoneer card is a free MasterCard debit card. You cannot add money to your Payoneer card manually. Payoneer tops up your card every hour, provided your card top-up setting is on. But you must have funds in your Payoneer account for this to happen.

Once the funds have been loaded onto your card, you can use it anywhere MasterCard is accepted.

What Is The Payoneer Card Top-Up Setting?

The Payoneer card top-up setting is a Payoneer service that makes funds available on your card for transactions. Tuning on the card top-up means Payoneer will be able to add funds to your MasterCard automatically. If your card top-up is off, you won’t have money on your card. This feature also allows you to limit the amount of money your card can hold.

Can I Add Money To My Payoneer Card?

Payoneer doesn’t allow you to add money to your Payoneer card directly from your bank account or e-wallet. Instead, you’ll receive payments from transfers made by other Payoneer users to your account, and then it gets added to your physical card after an hour.

How Can I Add Money To My Payoneer Balance?

You cannot add money to your Payoneer account from your bank account; it’s against their company policy. You can get a Payoneer user to make a transfer to your Payoneer account. The sender will follow these steps to transfer funds to your Payoneer account:

  • Log into the Payoneer website
  • Sign in to your account
  • Go to the pay tab
  • Click on make a payment
  • Enter the amount and specify the currency
  • Make transfer

Payoneer Partners

You could top up your Payoneer balance from companies that have relationships with Payoneer, such as Fiverr, Upwork, etc. Most of these freelance sites pay through Payoneer or PayPal. Using Payoneer as a means of payment sends the money directly to your Payoneer balance.


Payoneer rewards users with $25 for each friend they refer to use Payoneer. This is another means to top up your Payoneer balance. Invite friends to open a Payoneer account and get rewards.

US Payment Service

The US payment service allows Payoneer users to receive money into their accounts from US companies. You must first register and receive your US payment account details to use this service.

You’ll be charged a 1% fee for every payment from your US payment account. To top up your balance from the US payment service;

  • Log in to your Payoneer account
  • Go to US payment
  • Send a request and follow the instructions

Is The Payoneer Card Free?

Payoneer charges a $29.95 annual fee for their Mastercard.

Can I Transfer Money From The Bank To Payoneer?

It’s against their policy to transfer money from your bank account to your Payoneer. You can only receive money through transfers from another Payoneer user.

How Can I Use My Payoneer Mastercard For Free?

You can use the Payoneer MasterCard to shop online free without card charges, but for ATM withdrawals, Payoneer charges $3 per transaction.

How Do I Withdraw Less Than $50 From Payoneer?

If your Payoneer balance is less than $50, you must top-up your account before making a withdrawal. Ask a Payoneer user to send a certain amount to your account to complete the $50 threshold while giving the sender the equivalent in the same currency through bank transfer or cash.

How Can I Use My Payoneer Virtual Card?

The Payoneer virtual card can be used for shopping online and for ATM withdrawals, just like any MasterCard. You can also top up the card by transferring money from your Payoneer account to the card. However, the Payoneer virtual card has a balance limit. Factors like country of residence will determine how much money your virtual card can hold.

If you just got a virtual card and wish to activate it, here’s what you should do:

  • Sign in to your Payoneer account
  • Go to settings, and click on “card management.”
  • Select the card you want to activate and click on activate.
  • Follow the prompts to activate your Payoneer card.

How Do I Add A Bank Account To Payoneer?

You can either add a bank account for withdrawals or pay receipts (payments to non-Payoneer customers). To add a bank account to Payoneer;

  • Sign in to your account
  • Select settings on the menu
  • Click on bank accounts
  • To add a bank account for withdrawals, click on “your account.”
  • To add a new recipient, click on “recipient account.”
  • Select “Add bank account.”

Note that you will be asked to provide the recipient’s contact details for recipients’ accounts. Payoneer will take three business days to review your request, after which you’ll receive a confirmation email.

How Do I Know If My Bank Account Is Linked With Payoneer?

If you’ve linked your bank account with Payoneer and you can’t make withdrawals to your bank account, it could be that the details are not correct. To change the account details, you must add a new bank account. While adding a bank account to Payoneer, ensure the bank account name is the same as the Payoneer account name.

How Can I Send Money From Payoneer To Payoneer?

To send money from your Payoneer account to another Payoneer account;

  • Sign in to your account
  • Navigate to Pay, and select “make a payment.”
  • Type in the account details
  • Follow the prompts to complete your transfer

Can I Transfer Money From Payoneer To Paypal?

You can add your Payoneer account to your PayPal for verification and online transactions. However, you can’t connect your PayPal account with Payoneer, so it’s not possible to transfer money from Payoneer to Paypal.

If you’re looking for a way to get paid online, then Payoneer is certainly one option worth considering. It’s a highly respected company with a long-standing reputation in the industry. Plus, it has all the features that you might need to facilitate worldwide payments, like bank transfer and international ACH payments.

The bottom line is that if you do international business, Payoneer is a fast and reliable method of receiving funds from clients abroad. The typical transfer takes less than a day, depending on your region and the client’s. If you’re serious about doing global business and want to expand your reach beyond national borders, a Payoneer account might be your best bet for making it possible.