Solution · Malta 2026
International Payments — Powered by Payoneer
FreeMalta's solution for getting paid from abroad, paying international suppliers, and managing cross-border money flows from Malta. We use Payoneer. Here's why.
Currencies
70+
receive & hold
Countries
200+
send & receive
Marketplace payments
2,000+
platforms integrated
Setup
Free
no monthly fee
Receive International Payments
Most popular
Get a US, EU, UK, JP, AU, CA and HK receiving account — local bank details in each currency. Your client pays a local bank transfer. You receive it in your Payoneer balance with no international wire fees on their end.
Local receiving accounts in USD, EUR, GBP, JPY, AUD, CAD, HKD
Share local bank details — client pays as a domestic transfer
No fee to receive from other Payoneer accounts
1% fee on EUR and other currency receiving accounts
Withdraw to your Malta bank in EUR — same or next business day
Marketplace & Platform Withdrawals
Freelancers
Payoneer is integrated directly with 2,000+ platforms — Amazon, Upwork, Fiverr, Airbnb, Google AdSense, YouTube and more. Instead of waiting for a wire to your Malta bank, your marketplace earnings land instantly in your Payoneer balance.
Direct integration with Amazon Seller, Upwork, Fiverr, Airbnb
Google AdSense, YouTube monetisation, App stores
Earnings available immediately — no waiting for wire
Hold in USD, convert to EUR when rate is favourable
Payoneer Mastercard for direct spending from balance
Pay International Suppliers & Contractors
For businesses
Malta company paying a developer in Ukraine, a designer in Brazil, or a supplier in China? Payoneer makes mass payments simple — batch pay multiple recipients at once, in their local currency, with competitive FX rates.
Pay suppliers and contractors in 200+ countries
Batch payments — pay multiple recipients at once
Competitive FX rates with full transparency
Recipient pays nothing — no receiving fees between Payoneer accounts
Payment confirmation and audit trail for accounting
Who is Payoneer for in Malta?
Freelancer / contractor
Working for foreign clients and tired of €30 wire fees per payment. Get a USD receiving account, invoice professionally, withdraw to Malta bank in EUR.
Amazon / Upwork / Fiverr seller
Payoneer is the default withdrawal method for most major platforms. Malta bank account? Link it through Payoneer — faster and cheaper than direct wire.
Malta company, global suppliers
Paying developers, designers or freelancers internationally? Batch payments to 200+ countries at competitive rates. No more individual wire transfers.
iGaming / tech professional
Your employer pays in GBP or USD. Payoneer's receiving accounts mean no conversion at the employer's bank — you control when and how you convert.
Payoneer vs The Alternatives
| Factor | Payoneer | Malta bank wire | PayPal |
|---|---|---|---|
| Receive from abroad | Local accounts, low fee | €15–35 receiving fee | Available, high FX cost |
| Marketplace integration | 2,000+ platforms | Wire only | Limited platforms |
| FX rates | Competitive, transparent | Bank markup 2–4% | 3–4% markup |
| Setup | Free, online | In-branch, weeks | Free, online |
| Batch payments | Built-in | Manual each time | Limited |
| Business credibility | Professional invoicing | Standard bank | Consumer reputation |
| Monthly fee | None | €5–15/month | None |
Get paid from anywhere. Spend in Malta.
Free account. Local receiving accounts in 7 currencies. 2,000+ platform integrations. The international payments solution FreeMalta recommends.
FreeMalta affiliate link — we may earn a commission at no cost to you.
Payoneer
FreeMalta Solution Partner
Local receiving accounts in 7 currencies. 2,000+ platform integrations. Free to open. FreeMalta's international payments recommendation.
Open Payoneer — Free →
Affiliate link · No extra cost to you
Key Fees Reference
Check Payoneer for current rates
Account openingFree
Receive from PayoneerFree
Receive via local account~1%
Withdraw to Malta bank€1.50 flat
Currency conversion~0.5–2%
Monthly feeNone
Need a business bank account?
Multi-currency, real exchange rate — Wise Business.
Wise Business
Context
The Malta Payments Gap
Why Malta Banks Are Not Enough
Malta's traditional banks — BOV, APS, BNF — are solid for local transactions. But international wire transfers cost €15–35 per incoming payment, take 2–5 business days, and apply a 2–4% FX markup you often don't see. If you're receiving 5 client payments a month from abroad, that's a real cost adding up quietly.
Payoneer vs Wise — What's the Difference?
They solve different problems. Payoneer excels at receiving payments — especially from marketplaces and platforms, with local accounts in 7 currencies. Wise Business excels as a business bank account — multi-currency holding, real exchange rate, sending money. Many Malta businesses use both.
The Marketplace Economy in Malta
Malta has a significant freelance and remote worker population — iGaming professionals, software developers, digital marketers. Many earn through Amazon, Upwork, Fiverr or similar platforms. Payoneer is the payment method these platforms were built around. Getting paid through them without Payoneer means slower payments and higher fees.
FreeMalta's Position
FreeMalta doesn't process payments. We identify the best tools for cross-border money flows for Malta-based individuals and businesses — and recommend them transparently. Payoneer is our international payments recommendation for receiving from clients and platforms. We earn an affiliate commission when you sign up through our link, at no cost to you.
Frequently Asked Questions
Can I use Payoneer to receive payments in Malta?
Yes. Payoneer gives you local receiving accounts in USD, EUR, GBP, JPY, AUD, CAD and HKD. Your client sends a domestic transfer in their currency — Payoneer receives it and credits your balance. You then withdraw to your Malta bank account in EUR. Withdrawal fee is approximately €1.50 flat, significantly cheaper than incoming international wire fees at Maltese banks.
Which platforms pay directly to Payoneer?
Payoneer is integrated with 2,000+ platforms including Amazon Seller, Amazon KDP, Upwork, Fiverr, Airbnb, Booking.com, Google AdSense, YouTube monetisation, Apple App Store, Google Play, Shopify and many more. For these platforms, Payoneer is typically the fastest and cheapest withdrawal method available.
What is the difference between Payoneer and Wise for Malta?
Payoneer is optimised for receiving payments — especially from marketplaces and platforms, with local currency receiving accounts in 7 currencies. Wise Business is optimised as a business bank account — multi-currency account, real exchange rates, sending money internationally. Many Malta businesses and freelancers use both: Payoneer to receive client payments, Wise to manage the business account.
Is Payoneer free?
Opening a Payoneer account is free and there is no monthly fee. You pay when you transact: approximately 1% to receive via local receiving accounts, free to receive from other Payoneer accounts, around €1.50 flat to withdraw to a Malta bank, and 0.5–2% for currency conversions. Check current rates at payoneer.com as fees can change.
Can a Malta company use Payoneer for business payments?
Yes. Payoneer supports both individual and business accounts. Malta companies can use it to receive international payments, pay suppliers and contractors in 200+ countries, and run batch payments to multiple recipients simultaneously. For business bank account needs (holding balances, debit card, accounting integration) Wise Business is also recommended.
Does FreeMalta earn commission from Payoneer?
Yes. FreeMalta has an affiliate partnership with Payoneer. When you open an account through our link, we earn a commission at no additional cost to you. We recommend Payoneer because it genuinely solves cross-border payment challenges for Malta-based users — not because of the commission. We disclose this transparently.