Payoneer is one of the most popular platforms for freelancers, remote workers, and online sellers who need to receive payments in USD, EUR, and other currencies, especially without a local address.
If you don’t have a utility bill or lease under your name, don’t worry. Here’s exactly how to open your Payoneer account and what to expect at each step.
Step 1: Go to the Payoneer Website and Start Registration
Step 1: Go to the Payoneer Website and Start Registration. To begin, head to the registration page and choose whether you want to receive funds as an individual or company. Most freelancers and remote workers choose the individual option. Then, you’ll fill in your personal details:
- Full name
- Email address
- Date of birth
- Country of residence
Note: You don’t need to enter a permanent residential address at this stage. Payoneer allows accounts from over 190 countries.
Step 2: Create Login and Set Up Security
Choose a username (your email), password, and security question. You’ll need this to access your account and reset it if needed.
Next, you’ll provide your mobile number to receive an SMS code. Make sure the number is active, it’s used for future identity checks.
Step 3: Add Your ID and Bank Details (No Address Proof Needed)
Payoneer will ask for a government-issued ID, passport, national ID, or driver’s license.In many countries, no proof of address is required, especially during the initial review.
You may also be asked to link a bank account in your name (it can be in your home country or abroad). If you don’t have one yet, you can skip this step and link it later.
Accepted ID formats include:
- Passport (preferred)
- National identity card
- Driver’s license (in some countries)
Make sure the document is valid and the photo is clear. They may reject blurry or cropped documents.
Step 4: Wait for Review and Approval
Payoneer will review your information, this usually takes between 24-48 hours. During this time, you can still log in and explore your dashboard.
In some cases, they may ask for additional verification. This could be:
- A selfie holding your ID
- A bank statement (but not always)
- A business questionnaire (for sellers or affiliates)
You’ll receive all requests by email and in your account inbox. Just follow the instructions to proceed.
Step 5: Start Receiving Payments
Once your account is approved, you can immediately:
- Receive USD, EUR, GBP, AUD and other payments
- Get your own receiving accounts (like a US account number and routing for USD, or IBAN for EUR)
- Accept funds from platforms like Upwork, Fiverr, Amazon, affiliate networks, or direct clients
No address proof is needed to start using these services in most regions.
You can also request a Payoneer Prepaid Mastercard, available in select countries, which lets you spend or withdraw money globally.
Useful Extras to Know
Is Payoneer a bank?No, it’s a licensed financial platform — not a traditional bank. You can receive and send money, but you don’t get loans or full banking features.
Is there a minimum balance to open the account?No. You can open your account without adding funds. You only get charged once you start using it.
What if they ask for proof of address later?It happens rarely. If they do, you can use a digital bank statement, mobile bill, or rental contract. This often only happens for high-value accounts or regulatory checks.
Make Your Application Smoother
To avoid delays, register using your real name as shown on your ID, double-check your contact info, and upload documents in good quality.
In most cases, you’ll have a fully working account within two business days, ready to receive international payments with no need for address verification.
If you’d like to explore the official details and supported countries, the Payoneer Website is a great place to start.
