Transfer Payoneer to Surecash in Bangladesh: Easy Guide 2026

Last Updated: January 15, 2026

How to Transfer From Payoneer to Surecash in Bangladesh (2026)

When I first started my freelancing journey more than five years ago, I faced a lot of challenges, especially when it came to managing payments. Like many of you, I was frustrated by the fact that PayPal does not operate in Bangladesh. I remember the first time I received my payment from a client; it was a whopping $1,200 for a project I worked on for weeks. I was ecstatic but quickly realized I had to find a reliable way to transfer that money into my local currency. Thankfully, I discovered Payoneer, which became my go-to payment solution. In this article, I’m going to share how I transfer funds from Payoneer to Surecash, so you can do the same with ease.

Understanding Payoneer and Surecash

Before diving into the transfer process, it’s crucial to understand what Payoneer and Surecash are.

• Payoneer: A global payment platform that allows freelancers to receive payments from international clients. It's widely accepted by platforms like Upwork and Fiverr, which is how I earned over $100,000 in my freelancing career.
• Surecash: A mobile financial service in Bangladesh similar to Bkash. It allows users to send and receive money, pay bills, and make purchases. It's a convenient way to manage your funds locally.

Using Payoneer ensures that you can receive funds without the hassle of PayPal, and Surecash allows you to easily access your money in Bangladeshi Taka (BDT).

Why Use Payoneer?

One of the main reasons I advocate for Payoneer is its seamless integration with multiple platforms and its reliability. For freelancers, having a payment method that works in Bangladesh is essential, especially when local banks may not support international transactions efficiently.

Here are some benefits of using Payoneer:

• Low fees: Compared to other services, Payoneer typically charges around 1-3% for currency conversion.
• $25 bonus: New users can get a bonus when they receive their first payment, which is a nice incentive.
• Direct bank transfers: You can withdraw your Payoneer balance directly to Bangladeshi banks like DBBL, MCB, or UBL.

Steps to Transfer From Payoneer to Surecash

Now that we’ve established why Payoneer is a great choice, let’s dive into the specifics of transferring funds from Payoneer to Surecash.

1. Withdraw Funds from Payoneer

The first step is to transfer your Payoneer balance to your local bank. Here’s how to do it:

1. Log into your Payoneer account.
2. Go to the “Withdraw” section and select “To Bank Account.”
3. Choose your Bangladeshi bank (DBBL, MCB, UBL, or others) and enter the amount you want to withdraw.
4. Confirm the transaction.

It usually takes 3-5 business days for the funds to arrive in your bank account, depending on your bank's processing time. For instance, when I made a withdrawal of $500, it took about four days for the money to reflect in my DBBL account.

2. Transfer From Bank to Surecash

Once the funds are in your local bank account, transferring them to Surecash is straightforward:

1. Open the Surecash app on your mobile phone or go to a Surecash agent.
2. Select the option to deposit funds.
3. Choose your bank as the source of the funds.
4. Enter the amount you wish to transfer.
5. Confirm the transaction.

The transfer from your bank to Surecash is typically instantaneous, which is convenient. For example, when I transferred BDT 10,000 from my MCB account to Surecash, the funds were available within minutes.

My Experience: Challenges and Solutions

Throughout my freelancing career, I encountered various obstacles while managing payments. One of the most significant challenges was understanding the tax implications of my earnings. As a BASIS-registered Freelancer, I pay taxes to the NBR (National Board of Revenue) in Bangladesh. It’s crucial to keep track of your earnings and expenses.

In the beginning, I didn’t track my payments properly, which led to confusion during tax season. I learned the hard way that maintaining records is essential not just for tax purposes but also for tracking your income growth.

Another challenge was the initial confusion about the withdrawal process. I remember the first time I tried to withdraw $1,000 from Payoneer. I was so anxious that I double-checked everything. Fortunately, it went smoothly, and I had the funds in my bank account in just a few days.

Practical Tips for a Smooth Transfer

Based on my experiences, here are some practical tips to ensure a smooth transfer from Payoneer to Surecash:

• Use Payoneer regularly: The more you use it, the better you’ll understand the process. This way, you’ll minimize errors in future transactions.
• Choose the right bank: Make sure to select a bank that has a good track record for processing international transactions. I prefer DBBL and MCB for their efficiency.
• Keep records: Maintain documentation of your transactions for easier tax reporting. Use spreadsheets or accounting software to track your income.
• Stay updated: Financial services can change. Regularly check Payoneer and Surecash for any new features or updates that could simplify your transactions.

Next Steps

If you’re just starting your freelancing journey or looking to streamline your payment processes, the combination of Payoneer and Surecash is a winning strategy. Here’s what you can do next:

1. Sign up for Payoneer: If you haven’t already, create your account. Make sure to verify your identity to avoid any issues with withdrawals.
2. Link your bank account: Choose a Bangladeshi bank that works well with Payoneer, like DBBL or MCB.
3. Download the Surecash app: Familiarize yourself with its features, especially the transfer options.
4. Practice withdrawing: Start with smaller amounts to get comfortable with the entire process.

Conclusion

Transferring funds from Payoneer to Surecash in Bangladesh doesn’t have to be complicated. With the right knowledge and tools, you can manage your finances efficiently as a freelancer. Remember, PayPal may not work here, but with Payoneer and local solutions like Surecash, you can navigate the landscape of freelancing with ease.

Let’s keep pushing towards financial freedom together!