Learn more about Upwork’s Direct to Local Bank option, including transfer times, fees, and withdrawal limits by country.
How long does it take to receive a payment through the Direct to Local Bank option?
Once you have Direct to Local Bank set up as your withdrawal method on Upwork, any withdrawals should arrive within four business days. If not, contact your bank for the status. After eight business days, we can attempt to trace the payment.
Note: There is a 12:00 pm (noon) UTC cutoff time for same-day processing. After that, transfers will be processed the following business day. Bank holidays in the U.S. or your country can delay your funds.
What's the fee for Direct to Local Bank payments?
The cost per withdrawal direct to your local bank is $0.99 USD (plus incoming fees at some banks). Sending funds in your local currency may reduce or eliminate incoming bank fees.
What is the minimum and maximum amount I can withdraw when I use Direct to Local Bank?
The minimum withdrawal limit for all currencies is $5 USD or higher, depending on your location. Please refer to your country’s details below to see your minimum and maximum limits, if they apply.
Limit: $3,000 USD
Argentinian authorities may apply some income tax retention to incoming remittances as follows:
- AFIP Income Tax Retentions (Administración Federal de Ingresos Públicos): Taxes are withheld based on your AFIP tax category.
- ARBA (Agencia de Recaudación de la Provincia de Buenos Aires): Recently, Argentinian authorities have introduced ARBA tax withholdings. The ARBA tax is gross income withholdings of electronic commerce specifically in Buenos Aires, the rates vary between 0.20% and 3.5%. You may see some taxes being withheld.
Minimum: $5 USD
Limit: $10,000 USD
Minimum: $101 USD
Limit: $20,000 USD
Minimum: $5 USD
Limit: 10,000 BAM
Minimum: $12 USD
Limit: $3,000 USD
Minimum: $5 USD
Limit: $1,000,000 USD
Limit: $5,000 USD
Minimum: $5 USD
Limit: $10,000 USD
Minimum: $5 USD
Limit: $10,000 USD
Minimum: $5 USD
Limit: $1,000,000 USD
Limit: $10,000 USD
Limit: $20,000 USD
Limit: $500 USD
Minimum: $5 USD
Limit: $10,000 USD
Limit: $8,500 USD
If you are in Jamaica, you may need to file a deposit authorization form.
Limit: $5,000 - $20,000 USD
Minimum: $5
Limit: $50,000 USD
Minimum: 100 MAD
Limit: $4,500 USD
Limit: $3,000 USD
Minimum: $5 USD
Limit: $10,000 USD
Min: $5 USD
Limit: $8,999 USD
Minimum: $5 USD
Limit: $1,000,000 USD
Minimum: $5 USD
Limit: $10,000 USD
Minimum: $5 USD
Limit: $2,000 USD
Minimum: $5 USD
Limit: $10,000 USD
Limit: $13,000 USD
Minimum: $5 USD
Limit: $10,000 USD
Limit: $20,000 USD
Minimum: $5 USD
Limit: $10,000 USD
Minimum: $5 USD
Limit: $10,000 USD
Limit: $11,000 USD
Frequently Asked Questions
- Go to Settings › Get Paid
- Under Withdrawal methods, find the one you want to edit
- Choose Edit or Remove
- Edit your information and save
Email addresses, bank account numbers, and bank codes can't be edited. You must add a new payment method if these change. Don't forget to remove the old payment method at that time, too.
Find more information on the common bank codes for each country here. If you need help, reach out to your local bank or contact Upwork Support.