Direct to Local Bank Fees & Timing

Direct to Local Bank payments are available in the following countries:

• Argentina (ARS)
• Australia (AUD)
• Austria (EUR)
• Bangladesh (BDT)
• Barbados (BBD)
• Belgium (EUR)
• Benin (CFA)
• Brazil (BRL)
• Bulgaria (BGN)
• Bulgaria (EUR)
• Canada (CAD)
• Chile (CLP)
• Colombia (COP)
• Croatia (EUR)
• Cyprus (EUR)
• Czech Republic (EUR)
• Denmark (EUR)
• Ethiopia (ETB)
• Estonia (EUR)
• Finland (EUR)
• France (EUR)
• Germany (EUR)
• Ghana (GHS)
• Great Britain (GBP)
• Greece (EUR)
• Guatemala (GTQ)
• Guyana (GYD)
• Hong Kong (HKB)
• Hungary (EUR)
• Iceland (EUR)
• India (INR)
• Indonesia (IDR)
• Ireland (EUR)
• Italy (EUR)
• Jamaica (JMD)
• Japan (JPY)
• Kenya (KES)
• Latvia (EUR)
• Liechtenstein (EUR)
• Lithuania (EUR)
• Luxembourg (EUR)
• Malaysia (MYR)
• Mali (CFA)
• Malta (EUR)
• Mexico (MXN)
• Morocco (MAD)
• Nepal (NPR)
• Netherlands (EUR)
• New Zealand (NZD)
• Nigeria (NGN)
• Norway (EUR)
• Pakistan (PKR)
• Peru (PEN)
• Philippines (PHP)
• Poland (PLN)
• Poland (EUR)
• Portugal (EUR)
• Romania (RON)
• Romania (EUR)
• Russia (RUB)
• Senegal (CFA)
• Singapore (SGD)
• Slovakia (EUR)
• Slovenia (EUR)
• Sri Lanka (LKR)
• Spain (EUR)
• Sweden (EUR)
• Switzerland (EUR)
• Thailand (THB)
• Togo (CFA)
• Vietnam (VND)


In general, direct to local bank payments take up to four business days to arrive at your bank.

There is a 12:00pm (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.


The cost per withdrawal direct to you local bank is $0.99 (plus incoming fees at some banks). Sending funds in your local currency may reduce or eliminate incoming bank fees.

The currency conversion will be performed by Upwork's banking partner at the time the funds are sent to you. While it's not possible to show the real-time conversion rate, you can check the last exchange rate used by Upwork's banking partner on the manual withdrawal form. If you haven't already, add a Direct to Local Bank account in Settings > Get Paid. Once your Direct to Local Bank payment method is activated (it takes 3 days), you can click "Get Paid Now" at any time and select your local bank account to see the last used conversion rate for your currency.

Our bank partner works directly with most of each country's major banks to avoid delayed payments and reduce added fees. For information on adding Direct to Local Bank as a payment method, click here.


  • You must be listed as an account holder or authorized signer on the bank account. If your name on the bank account doesn't match your name on your profile, click here to learn how you can fix it.
  • If your bank asks for a Certificate of Earnings, download one from your Reports tab. If you are in Jamaica, you may need to file a deposit authorization form.
  • Maximum per transaction limits are in place for certain countries and banks. Check with your bank for further details, but we are aware of the following current limits (in U.S. Dollars):
    • Argentina: $3,000
    • Benin: $20,000
    • Chile: $5,000
    • Colombia: $3,000-$7,000
    • Ethiopia: $10,000
    • Ghana: $20,000
    • Guatemala: $500
    • Indonesia: $10,000
    • Kenya: $5,000-$20,000
    • Malaysia: $50,000
    • Mali: $20,000
    • Nepal: $4,500
    • Nigeria: $3,000
    • Pakistan: $8,999
    • Russia: $9,000
    • Senegal: $2,000
    • Sri Lanka: $13,000
    • Thailand: $10,000
    • Togo: $20,000

Have more questions? Submit a request


Upwork Status

Incident Status

Our records show your Upwork account is not active.

This might be due to no account activity (earnings, payments, contracts, etc.) or because we had to suspend it. When we suspend an account we send an email explaining the reason and whether or not you can take steps to reverse the suspension. Please review that email for more details.

For general questions, you can visit our Community or review our Terms of Service.

We’ll start a video chat with you. Please make sure you use a desktop device with a camera to continue the process. Also, allow Upwork temporary use of your camera and microphone. You may disable this access after the chat session.

If all of our agents are busy when you attempt to chat, please hold, and one of our agents will be with you shortly.

We noticed that you're currently using a browser that is not supported by our video verify process.

We recommend that you switch to Google Chrome or Firefox in order to successfully complete verification. Thank you

Upwork’s Category Specialists are standing by to help you discover and plan new projects.

Ask them about roles or projects that you want to learn more about. They can also draft job posts for you.

Your chat will begin in the bottom right corner of this page.

Upwork’s Category Specialists are currently offline.

Send us a message below and we’ll respond via email as soon as we can. You can also come back here during business hours (Mon-Fri, 6am-5pm PT) to chat with us.

How can we help?
Thanks for your message! A Category Specialist will respond to your message via email as soon as they can.
Thanks for your message! Your request to change your profile back to "public" has been successfully submitted.