How to Receive USD as a Freelancer — Guide by Country
USA — the largest freelance client market globally. Select your country to see the best platforms, FX rates, and tax notes for receiving USD.
Select your country
India
USD → INR
Best rate: 0.4–0.6% total
Bank rate: 0.5–1.5% below mid-market
Philippines
USD → PHP
Best rate: 0.5–0.8% total
Bank rate: 1–2% below mid-market
Nigeria
USD → NGN
Best rate: Wise limited in Nigeria — use Payoneer or Grey
Bank rate: 2–5% below mid-market (official); parallel market varies
Pakistan
USD → PKR
Best rate: Wise has limited Pakistan support — use Payoneer
Bank rate: 1–3% below mid-market
Bangladesh
USD → BDT
Best rate: Wise limited — use Payoneer
Bank rate: 1–2% below mid-market
Ukraine
USD → UAH
Best rate: Wise available for USD/EUR → UAH
Bank rate: 1–2% below mid-market
Romania
USD → RON
Best rate: 0.3–0.5% total (Wise works well in Romania)
Bank rate: 0.5–1% below mid-market
Kenya
USD → KES
Best rate: Wise limited — use Payoneer or Chipper Cash
Bank rate: 1.5–3% below mid-market
Brazil
USD → BRL
Best rate: Wise available for BRL — IOF tax still applies
Bank rate: 1–3% below mid-market plus IOF tax
Egypt
USD → EGP
Best rate: Wise limited — use Payoneer
Bank rate: 2–5% below mid-market