How to Get Paid on Upwork in Canada (Lowest Fees) — 2026
Last updated: 15 January 2025 · Target keyword: upwork payment canada best method
Canadian Upwork freelancers have several withdrawal options — and the cost difference between the best and worst methods adds up to hundreds of dollars per year. Here's exactly how to minimise fees when getting paid on Upwork in Canada.
Our top picks for How to Get Paid on Upwork in Canada (Lowest Fees) — 2026
Upwork withdrawal options for Canadian freelancers
Canadian Upwork users can withdraw via: • Payoneer: Free (official Upwork partner) • Direct Local Bank: CA$0.99–$2 per transfer, uses Upwork's FX rate • PayPal: $1 USD per withdrawal (plus 4% FX when converting to CAD) • Wise: Free (add Wise USD account as receiving bank) Both Payoneer and Wise are free to receive on — and far cheaper for FX conversion than direct bank or PayPal.
Recommended setup for Canadian Upwork freelancers
Best approach: 1. Sign up for Payoneer (free) — connects natively to Upwork with zero withdrawal fees 2. Optionally, also add a Wise USD account for additional flexibility 3. Convert USD → CAD via Wise (0.41% FX fee) rather than Payoneer (2%) or your bank (2.5–3%) The Payoneer USD balance is also useful for paying international suppliers or tools priced in USD without conversion.
Recommended platforms
Payoneer
Upwork & Fiverr sellers — official partner with the lowest withdrawal fees from both platforms
Wise
Lowest FX fees + multi-currency account for international freelancers
Stripe
Freelancers billing clients directly via professional invoices — handles card payments automatically
Frequently asked questions
Does Upwork support Interac e-Transfer in Canada?
No — Upwork does not support Interac e-Transfer directly. Your best options are Payoneer (free), Wise USD account (free to receive), or direct CAD bank deposit (with fees).
Is there a minimum withdrawal amount on Upwork?
Yes — the minimum withdrawal is $1 USD regardless of method.
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