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The Payout Newsletter

Weekly tips on fees, platform changes, and payment strategies for international freelancers.

Tools

  • Route Finder
  • Invoice Rules
  • Status Feed

Top Countries

  • 🇳🇬 Nigeria
  • 🇮🇳 India
  • 🇵🇭 Philippines
  • 🇰🇪 Kenya
  • 🇵🇰 Pakistan

Platforms

  • Wise
  • Payoneer
  • PayPal
  • Deel

Resources

  • Country Guides
  • Tax Guide
  • Compare Platforms
PayoutMap© 2026

PayoutMap provides comparison data based on independent research. All platform information is verified from public sources and community reports.

Find Payment Routes

Compare platforms that support sending and receiving in both countries.

DEGermany
PHPhilippines

🇩🇪Germany → 🇵🇭Philippines

7 platforms available
About Germany →About Philippines →

Recommended Strategy

Primary
Deel

Lowest fees at 0%

Visit

Backup
Wise

Fastest transfers at 0–1 days

Visit

Based on verified fee data — fees may vary by payment method and transfer amount.

RemoteAvailable

Global HR platform for hiring and paying international teams

Fee:
0%
($0 fee to contractor. Same-currency EUR withdrawal via SEPA. Employer pays $29/mo.)
Transfer time:
24–72 days
(Typically 1–3 business days via SEPA)
Docs Verified

Last verified May 29, 2026 — source

Visit
PayoneerAvailable

Global payment platform for freelancers and businesses

Fee:
0–1%
(EUR withdrawal via SEPA — $1.50 flat fee. 1% marketplace receiving fee. No FX conversion needed.)
Transfer time:
24–48 days
(Typically 1–2 business days via SEPA)
Docs Verified

Last verified May 29, 2026 — source

Visit
DeelAvailableCrypto

Global payroll and compliance platform for remote teams

Fee:
0%
($0 platform fee (employer pays). EUR same-currency withdrawal via SEPA — no FX conversion if paid in EUR. SEPA transfer free.)
Transfer time:
24–48 days
(Typically 1–2 business days via SEPA)
Docs Verified

Last verified May 29, 2026 — source

Visit
GreyAvailable

Banking for Africans — USD, GBP, EUR accounts

Fee:
0.8–1.3%
(0.8% SEPA receiving fee + EUR withdrawal 0.5% (min €2, max €10). No FX conversion needed for EUR earners.)
Transfer time:
24–48 days
(Typically 1–2 business days via SEPA)
Docs Verified

Last verified May 29, 2026 — source

Visit
WiseAvailable

Multi-currency account with low-cost international transfers

Fee:
0.99–6.82%
(0.99% via bank transfer (USD→EUR). Instant or ~22 min. SEPA. Full account.)
Transfer time:
0–1 days
(Instant or in 22 minutes)
API Verified

Last verified May 28, 2026 — source

Visit
PayPalAvailable

Global online payments and money transfers

Fee:
3.49–4.99%
(3.49% for same-currency (EUR) receiving; 4.99% for cross-currency. SEPA zone.)
Transfer time:
24–72 days
(Typically 1–3 business days)
Docs Verified

Last verified May 29, 2026 — source

Visit
GeegPayLimited

Virtual dollar accounts for African freelancers

Fee:
0–1%
(0.8% EUR withdrawal fee from virtual EUR account via SEPA. Receive-back channel — primarily for freelancers paid in EUR.)
Transfer time:
24–72 days
(Typically 1–3 business days via SEPA)
Limitations: Raenest virtual EUR account is for receiving client payments, not primary European banking. 0.8% withdrawal fee applies.
Docs Verified

Last verified May 29, 2026 — source

Visit

Crypto & Stablecoin Options

  • Deel
    USDC

    USDC withdrawals available on Ethereum, Polygon, and Solana. Contractor selects crypto as a withdrawal method in the Deel dashboard. Minimum withdrawal and gas fee norms apply per network.