Total Balance
$4,057.21
Active
USD
$1,257.21
Feature-by-Feature Comparison
| Feature | VaultLeap | Payoneer |
|---|---|---|
| FX markup | ~0.50% | Up to 2% |
| Transfer fee | 0.75% → 0.65% | Up to 2% |
| Inactivity fee | $0 | $29.95/yr |
| Stablecoin support | USDC auto-convert | None |
| Debit card intl fees | $0 | $3.15 ATM + up to 3.5% FX |
Fees as of March 2026. Rates may vary.
Where VaultLeap Wins
Lower FX costs
VaultLeap charges ~0.50% partner FX spread vs Payoneer's up to 2% markup. On a $10,000 transfer, that's $50 vs $200.
No inactivity fee
Payoneer charges $29.95/year if your account is dormant. VaultLeap never charges for inactivity.
Earn lower rates over time
VaultLeap's rewards system lets you reduce transfer fees from 0.75% to 0.65% through card spend. Payoneer has no loyalty program.
Stablecoin settlement built in
Your fiat deposits settle as USDC automatically — instant, borderless, no bank holds. Payoneer doesn't support stablecoins.
VaultLeap Pricing
Standard
0.75%
per transfer
Pro
0.65%
per transfer