Short answer: it depends on who pays you and where you live.
- Companies and platforms pay you (Upwork, Fiverr, Amazon): Payoneer is built for this and lists all nine of our countries. It charges to receive and to withdraw, and turns down payments from personal bank accounts. Wise can only receive money for residents of Saudi Arabia, and for business accounts in India, freelancers included.
- Individuals pay you, by bank transfer, PayPal or crypto: RedotPay takes bank transfers from personal accounts, PayPal transfers to its card (3%) and crypto at no fee.
- You want to spend USDT: check that you can get the card first. RedotPay publishes which countries get one; Bybit and KAST only show it during sign-up. Per payment KAST is the cheapest on paper, RedotPay and Bybit are close, and RedotPay’s card costs the most to get.
Getting paid from abroad: RedotPay, Payoneer or Wise
| RedotPay | Payoneer | Wise | |
|---|---|---|---|
| Can you receive, in our nine countries? | Depends on your country. The app shows it under Deposit → Fiat | All nine are in its fee tables. Which receiving accounts you get is shown only inside the account | Only in Saudi Arabia, and in India with a business account. Elsewhere you can send but not receive |
| Account details | USD, EUR and GBP | USD, EUR, GBP and more. AED for UAE residents | Saudi Arabia: 22 currencies. India: business accounts only, paid out in rupees automatically |
| Who can pay you | Personal bank accounts. Transfers from company accounts may fail | Businesses only. Payments from personal bank accounts are declined | Wise says freelance income belongs in a business account, which isn’t offered in Saudi Arabia |
| Platforms | PayPal and similar, to the RedotPay card | Upwork, Fiverr, Amazon and, it says, 2,000+ others | Upwork and Amazon, with account details |
| PayPal | 3%, at least 1 USD, in selected countries | No direct transfer from PayPal. Clients can’t pay you by PayPal if your account is in Pakistan or Bangladesh | Needs a business account |
| Fee to receive | Bank transfers free | 1%, at least 1 USD, into USD, EUR or GBP details. Free into AED for UAE residents | USD by ACH free, USD wire 6.11 USD |
| Account fees | Opening 6 USD, free with a 100 USD balance. A yearly fee unless 1,000 USD arrives in the first 11 months; amount not published | 29.95 USD a year unless you receive 6,000 USD in 12 months | None published |
| To your local bank | Send tab, in local currency, fee shown before you send. Or sell on P2P | 1.2% to 4% with conversion. USD to a USD account at home: at least 15 USD in most of our countries | Saudi Arabia: to riyals, from 0.52%. India: automatic |
| A card to spend it | RedotPay card, 10 USD virtual, 100 USD physical | Payoneer card, 29.95 USD a year. Countries not published | None in our nine countries. India: a travel card only |
What the table doesn’t show:
- Payoneer only shows some prices inside your account and says fees can differ by country. Withdrawing USD to a USD bank account at home costs at least 15 USD in Egypt, Morocco, Saudi Arabia, Pakistan and Bangladesh, and 3% (at least 15 USD) in the UAE and India. In India, Payoneer sends everything to your Indian bank automatically.
- Wise is still useful from the other side: a client abroad can use Wise to pay into your local bank in Egyptian pounds, Moroccan dirhams, UAE dirhams, Saudi riyals, Pakistani rupees (personal accounts), Bangladeshi taka or Indian rupees. Algerian and Tunisian dinars aren’t supported.
- RedotPay’s account details aren’t open in every country, and money from other people is the kind most likely to be held for review. See receive money from abroad.
Spending USDT: RedotPay, Bybit Card or KAST
Can you get the card?
| Country | RedotPay | Bybit Card | KAST |
|---|---|---|---|
| Algeria | Virtual and physical | Not published | Not published |
| Egypt | Virtual only | Not published | Named by KAST |
| Morocco | No card for residents | Not published | Named by KAST |
| Tunisia | Virtual only | Not published | Named by KAST |
| Saudi Arabia | Virtual and physical | Not published | Named by KAST |
| UAE | Virtual and physical | Not in Dubai. Other emirates: not published | Named by KAST |
| Pakistan | Virtual and physical | Not published | Named by KAST |
| Bangladesh | Virtual and physical | Not published | Named by KAST |
| India | No card for residents | Not published | Not published |
- RedotPay publishes restriction lists. See your country.
- Bybit says the card is “only available in limited countries” and shows the list only during the application. Bybit’s terms exclude Dubai from bybit.com altogether.
- KAST shows the list only in its sign-up form. “Named by KAST” means its help centre names the country in its Apple Pay list or a referral campaign. That’s a good sign, not a guarantee.
What it costs
| RedotPay | Bybit Card | KAST, free tier | |
|---|---|---|---|
| Account you need | RedotPay, identity verified | A Bybit exchange account, identity verified, sometimes proof of address | The KAST app, ID plus a face check |
| Virtual card | 10 USD, once | Free | Free. 2 USD in some regions |
| Physical card | 100 USD, once. Standard delivery free | 5 USDT | Free, plus 40 USD delivery |
| Yearly fee | None | None | None |
| Paying in USD from USDT | 1% | 0.9% | 0%: USDT becomes USD 1:1 when you deposit |
| Paying in another currency, added | 1.2% | 1% or 2%, by card programme | 0.5% to 1.75% |
| Declined payments | First 3 a month free, then 0.50 USD | Not published | 0.50 USD when your balance is too low |
| ATM | 2% | 2% after the first 100 USD a month | 3 USD + 2% |
| Apple Pay | Where Apple supports your country | Depends on the card programme | Of our nine: Egypt, Morocco, Saudi Arabia, UAE |
| Cashback | Only with the paid Pro plan: 3% on Apple Pay and Google Pay, up to 18 USD a month | 2%, up to 5 USD a month to start | 1.5% on up to 2,000 USD a month, spendable only on the card |
A 100 USD purchase charged in euros, paid from USDT, costs about 2.20 USD in fees with RedotPay, 1.90 to 2.90 USD with Bybit, and 0.50 to 1.75 USD with KAST. Charged in US dollars: 1.00, 0.90 and 0.
Where your money sits
All three hold your money for you; none is a bank.
- RedotPay: in your RedotPay account. The card spends from it.
- Bybit: in your Bybit Funding Account. The card has no balance of its own.
- KAST: your USDT is converted to a USD balance. KAST’s terms say deposited crypto is “sold to KAST” and held by a custodian on KAST’s behalf, not yours. Where it’s enabled, an optional self-custody mode keeps the balance as USDC in your own wallet.
All five can hold your money
Every one of these companies says it can restrict an account or hold a payment while it checks where the money came from. Public reviews of all five describe frozen balances, repeated document requests and slow answers. Spread your money, keep only what you need for the next few weeks in any of them, and keep invoices for everything you receive.
Our take
- Wherever you live, RedotPay is the only card of the three that publishes which countries it serves. In Algeria, it’s the only one with a published answer at all, and it ships the physical card there.
- If you already hold USDT on Bybit, its card saves you a transfer and costs 0.9% on dollar payments, if your country is eligible.
- If you can get KAST and mostly pay in dollars, it’s the cheapest per payment. Weigh that against its terms.
- If your clients are companies on Upwork or Fiverr, Payoneer is the standard route. Expect 1% in, up to 4% out, and 29.95 USD a year below 6,000 USD of income.
Sources, all checked 1 Nov 2026. RedotPay: official fee schedule and help-centre articles, as cited on our fees, receive money and country pages; “Getting Started with RedotPay Pro”. Payoneer: pricing page (updated 1 Jan 2026); help articles “Annual account fee” (effective 23 Feb 2026), “Receiving accounts – FAQ”, “Request a payment” and the fee updates of October 2024 and October 2025. Wise: help articles “Where do I need to live to hold money with Wise?”, “Can I get USD account details?”, “What is a Wise account?” and “What currencies can I send to and from?”; the Saudi Arabia and India pricing pages. Bybit: card page; help articles “Fees and Spending Limits – Bybit Card” (10 Sep 2026), “FAQ – Bybit Card General Inquiries” and “Introduction to Bybit Card Rewards” (30 Oct 2026); Terms of Service (16 Oct 2026). KAST: help articles “What Are the Fees and Conditions for KAST Cards and Accounts?” (30 Oct 2026), “Apple Pay Availability for KAST Cards”, “How Do Cashback Rewards Work on KAST?” and “Self-Custody Mode”; Terms and Conditions of Service (7 Jul 2026). Public reviews on Trustpilot.