Payoneer is the go-to for freelancers and business owners who get paid from everywhere and don’t want to lose half their income to bank fees. You get local bank details in major currencies like USD, EUR, and GBP, so clients can pay you like you’re local. You can hold, convert, and withdraw funds when the exchange rate’s right, or spend directly with their prepaid Mastercard. It works smoothly with Upwork, Fiverr, Amazon, and Airbnb, making it ideal for remote earners with global clients.