Withdraw from Payoneer to Pubali Bank: Step-by-Step Guide

Last Updated: January 15, 2026

How to Withdraw From Payoneer to Pubali Bank Bangladesh (2026)

When I first ventured into the world of freelancing over five years ago, I was overwhelmed by the range of payment options available. One thing I quickly learned was that PayPal does NOT work in Bangladesh, which left many of us scrambling for alternatives. After some trial and error, I discovered Payoneer, a lifesaver that has allowed me to successfully withdraw my hard-earned dollars into local Bangladeshi banks like Pubali Bank. Today, I want to share how you can do the same, along with some insights from my personal journey.

Understanding Payoneer and Its Benefits

Before we dive into the specifics of withdrawing from Payoneer to Pubali Bank, let me explain why Payoneer is the best choice for Bangladeshi freelancers.

1. Global Reach: Payoneer allows you to receive payments from international clients seamlessly. Whether you’re working on Fiverr or Upwork, your earnings can be directly transferred to your Payoneer account.

1. Easy Withdrawals: The process to withdraw funds from Payoneer to local banks like Pubali Bank is straightforward and can be completed within a few business days.

1. Bonus for New Users: If you sign up through my referral link, you can get a $25 bonus once you receive your first payment. This is a great way to kickstart your freelancing journey!

1. No PayPal Hassle: As I mentioned, PayPal is not an option for us in Bangladesh. With Payoneer, you can avoid all the complications that come with it.

How to Withdraw From Payoneer to Pubali Bank

Now, let’s get down to the practical steps of withdrawing from Payoneer to your Pubali Bank account.

1. Log into your Payoneer account: Once you're in, navigate to the “Bank Accounts” section.
2. Click on 'Add Bank Account': You'll need to select Bangladesh as your country.
3. Fill in your Bank Details: Enter the following:

• Bank Name: Pubali Bank
• Account Number: Your Pubali Bank account number
• Routing Number: This is typically not required in Bangladesh, so you can leave it blank.

1. Currency: Make sure to choose BDT (Bangladeshi Taka).

1. Go to the 'Withdraw' option: Select 'Withdraw to Bank Account'.
2. Choose your linked Pubali Bank account: Make sure it’s the correct one.
3. Enter the amount to withdraw: You can usually withdraw a minimum of $50. If you’re withdrawing $100, that equals about BDT 10,500 at the current exchange rate (1 USD = BDT 105).
4. Confirm the transaction: After reviewing the details, hit 'Confirm'.

After you initiate the transfer, it typically takes 3-5 business days for the funds to appear in your Pubali Bank account. I remember the first time I did this; I was anxious but thrilled when I saw the money hit my account.

Withdrawing from Wise to Pubali Bank

If you’re also using Wise (formerly TransferWise), withdrawing to Pubali Bank is just as simple.

1. Log into your Wise account.
2. Go to 'Recipients': Click on 'Add a recipient'.
3. Enter your Bank Details: Similar to the Payoneer process, fill in your Pubali Bank information.

1. Select the amount to transfer: Make sure to review the fees and exchange rate.
2. Confirm Transfer: After double-checking, confirm the transfer. Wise usually takes 1-3 business days.

I’ve used Wise to transfer funds as well, and while the fees are slightly higher than Payoneer, it’s still a reliable option.

My Experience with Payoneer and Pubali Bank

When I first started freelancing, I faced several hurdles with payment methods. I remember struggling to find a reliable way to withdraw my earnings. I had heard stories of people losing money or encountering endless delays. After I signed up for Payoneer and set up my Pubali Bank account, everything changed.

I made my first withdrawal of $200, which took about 3 business days to reflect in my account. Seeing that money was a euphoric moment; it validated my efforts and encouraged me to keep pursuing freelancing. Over time, I’ve withdrawn amounts ranging from $100 to $1,500, and each time it’s been a smooth process.

Practical Tips for Bangladeshi Freelancers

1. Always Double-Check Account Details: Ensure that your Pubali Bank account number is correct. A small mistake can lead to a failed transaction.

1. Monitor Exchange Rates: The rates can fluctuate. I usually check the current rate before initiating a withdrawal to maximize my earnings.

1. Use Payoneer for All Major Platforms: Since platforms like Fiverr and Upwork integrate seamlessly with Payoneer, consider using it as your primary payment option.

1. Consider Fees: Be aware of any fees associated with withdrawals. Payoneer usually has lower fees compared to Wise, making it a better option for larger amounts.

1. Tax Considerations: As a BASIS registered Freelancer, make sure to keep track of your income for tax purposes. The NBR may require you to report your earnings, especially if they exceed the taxable limit.

Conclusion

Withdrawing from Payoneer to Pubali Bank is straightforward and, for me, has changed the way I manage my freelance income. By following the steps outlined above, you can effectively transfer your earnings and enjoy the financial freedom that freelancing offers. Remember, PayPal is not an option for us in Bangladesh, but with Payoneer, you have a reliable and efficient solution.

As you embark on your freelancing journey, don’t hesitate to share your experiences and seek advice. We’re all in this together, and who knows? You might inspire someone else to take the leap into freelancing!

Key Points

• Freelancing from Bangladesh is completely legal and safe
• Payoneer is the most popular payment method
• DBBL and BRAC Bank offer the fastest transfers
• Fiverr is the best platform for beginners