Payoneer vs Grey (October 2026)
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Payoneer
Receiving accounts in major currencies for freelancers, marketplaces and exporters; widely used in Africa and Asia.
Visit PayoneerGrey
USD accounts with full banking details for businesses in emerging markets, with payouts to 170+ countries.
Visit GreyVerdict. Grey is free, with no paid plan; Payoneer's paid plans start at USD 29.95. Payoneer confirms 3 of our 3 key features; Grey confirms 1.
Side by side
| Feature | Payoneer | Grey |
|---|---|---|
| Cheapest paid plan | Low-activity fee: USD 29.95 per year if under USD 6,000 | — |
| Other plan or fee | Account: Free | Business account: Free |
| Another plan or fee | Receiving (local-currency account): Free | — |
| Free plan | Yes | Yes |
| Free plan or trial | Yes | Yes |
| Local account details in several currencies | Yes | Not confirmed |
| Debit or virtual cards | Yes | Not confirmed |
| No monthly fee option | Yes | Yes |
| Number of plans listed | 4 | 1 |
| Our score | 85/100 (#2 of 6) | 55/100 (#6 of 6) |
| Best for | Best free starting point | Best free starting point |
| A year on the cheapest paid plan | — | — |
| Notes | — | EUR and GBP accounts listed as coming soon |
Shaded cells mark the lower price. Sources: Payoneer, Grey.
Which to choose
Choose Grey if you want it free.
Choose Payoneer if you need local account details in several currencies.
See all options: best multi-currency business accounts.
More: Payoneer pricing, Payoneer alternatives, Airwallex vs Payoneer, Wise Business vs Payoneer, Grey pricing, Grey alternatives.