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How To Open A Payoneer Account (Free) – A Step-By-Step Guide

If you are interested in learning how to easily open a Payoneer account, then this tutorial is for you.

I will show how to open a Payoneer account using images to guide you step-by-step—so you won’t have to make any mistakes along the line.

Also, you’ll get to earn $25 dollars by clicking here to sign up now!

earn 25 dollars signing up with Payoneer

Don’t forget to click the sign up & earn $25 button when you visit Payoneer to claim your bonus.

What is Payoneer all about?

Payoneer is a financial service company founded in 2003. It provides money transfer and digital payments services to its millions of customers all over the world.

It is available in almost all the countries in the world, and is therefore a good alternative to PayPal for individuals living in countries where PayPal is not available or provides limited services.

If you are interested in knowing more about Payoneer, here are a few questions and answers to help you through.

Frequently asked questions (FAQ)

How can I open a Payoneer account in my country?

A lot of people have asked me recently – How can I open a Payoneer account in the UK? Answer is, the processes and requirements for opening a Payoneer account in any country are the same. All you need to do is specify your country during sign up.

Can I own a company Payoneer account?

By all means. You can open a Payoneer account in the name of your company or as an individual. All You have to do is specify this during sign up.

What are the required details to open a Payoneer account?

The required details are not too many. It is completely free to open. You need the following information or details:

  • An email account.
  • Address (postal code and residential address): Make sure you use the correct postal code. It is where your MasterCard will be shipped to. Check for your postal / zip code here if you live in Nigeria.
  • Local bank account: The details of your local bank accounts will be requested for.
  • Means of Identification (I.D card, voter’s card, Driver’s license, International Passport): If you have a temporary I.D card slip, you can as well use it. As far as it has your National Identification number.

Why do I need a Payoneer account?

If you are a freelancer, entrepreneur or you just need to receive money from abroad and also be able send money to others, then you really need to open and verify your Payoneer account.

Payoneer is one of the best online money transfer companies for individuals looking to receive money online for whatsoever reason. It’s way way cheaper compared to western union and bank wire transfer.

Personally, as a blogger and a freelance writer, I can tell you without doubts that owning a Payoneer account is one of the best things that has happened to my business.

After working for clients online and survey companies where I was unable to receive my funds – due to the fact that PayPal isn’t supported in my country, I went in search for the best alternatives to PayPal, which I found in Payoneer.

How to open a Payoneer Account

Without further ado, let’s get started with the processes involved in opening and owning your Payoneer account.

Step 1: Visit Payoneer here and click on sign up.

payoneer sign up

On the homepage, you will discover two sign up buttons. One on at the top right corner, the other at the bottom left corner. Just click on anyone.

Step 2: Enter your Personal Details in the spaces provided.

enter personal records

Fill all the details in their respective boxes. The data you enter must correspond with what you have on your means of identification. Your Payoneer account must be treated like an official bank account. Because that is what it is.

After filling in all the required details, click on next.

Step 3: Fill in contact details.

fill contact details

Enter the your contact details in the boxes provided. Mine indicates Nigeria, because I live in Nigeria. If you live in The UK, USA, The Philipines, or any other country, just make sure you select the appropriate one.

Make sure you enter the correct address. Like I said earlier, that is where you ID card will be shipped to. After successfully entering your contact details, click on next to proceed.

Step 4: Enter Security details.

email adress and security details

Now, enter your security details in the boxes provided. Choose a password easy for you to remember but difficult for others to guess.

Enter a security question and provide an answer for that question.

The security question will be used to confirm your identity in case of any issues.

The country has been specified. However, you can change it if your means of identification is from another country.

Step 5: Enter local bank account details

bank account details, terms and condition

Enter the exact match of your local bank account details in the boxes provided. This is important if you intend to perform bank wire transfer from your Payoneer account to your local bank.

If you don’t know your SWIFT/BIC, make a google search for your bank BIC. For example, UBA Swift code. GTB Swift code. Or any other bank swift code. You should get the BIC of your website.

Once you are done entering all the details, click to agree to terms and conditions and pricing fees. And then click on submit.

You should get a congratulations message like this:

account review in process

If you followed all the steps in this guide, You will also get an email confirming that the review of your application is in progress.

The review of your application should be concluded in less than two working days. Mine didn’t last up to 6 hours.

I got an email like this.

payoneer account approval message

Companies/merchants that pay workers/customers with Payoneer

You might want to know what you can do with your Payoneer account, and the merchants and freelance websites that pay their freelancers using Payoneer. I have made a list of them in my review on freelance websites.

Not just freelance websites, Payoneer is accepted by a wide range of companies (See the list of those companies). So, if you work with any of those companies, you can easily receive your payments from them using your new Payoneer account.

How to request for a Payoneer MasterCard

After successfully creating your Payoneer account, ordering for your MasterCard is really easy.

First, you have to login to your Payoneer Dashboard. It should look like this.

payoneer dashboard

Click on order a Payoneer Prepaid MasterCard.

payoneer prepaid master card order form

Fill in the details of your order, click to agree on all the terms and click on ‘ORDER’.

Note: You need to have a minimum of 30 dollars deposited into your Payoneer account before you can complete the process of card request.

The order shipping duration varies. There’s no fixed date. you may get it in 4 weeks, 3 weeks, or even earlier.

That’s pretty much everything about creating a Payoneer account.


  1. FibzSeptember 29, 2018

    Hello… please I need your advice but will prefer it to be confidential for now…how else can we communicate??? Thanks

    1. Matt StephensSeptember 29, 2018

      Hi Fibs, send me a private message on my Facbook page.

  2. succeedSeptember 23, 2018

    Can I login immediately after registration or till after 3 working days given

    1. Matt StephensSeptember 23, 2018

      You will be able to log in only after your account gets approved, not after registration. Sometimes it takes less than 3 working days. Just make sure you check your e-mail daily.

  3. SophiaAugust 17, 2018

    I have A challenge now, I don’t have a permanent ID card which was demanded on the pioneer fill form, but I used my mom’s own, and also the deatials I used were her’s, now the problem I have now is: While filling the bank details form, do I need her own bank account details or I should use mine? Please I need your reply:

    1. Matt StephensAugust 17, 2018

      Hi Sofia, from what you’ve said, the Payoneer account you’re opening will indirectly belong to your mother. Since you want to use her I.D card and details then you must use her bank account details too in order to avoid any sort of complications. Linking an account that doesn’t match may raise eyebrows. My views are, as a matter of fact, hypothetical. If you have doubts about it, feel free to contact Payoneer support for clarification.


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