How to withdraw from PayPal in Nepal?

Here’s a detailed tutorial that will guide you on how you can withdraw money from PayPal in Nepal. That’s right. You can get the money right in your hands! At the end of this tutorial, you will have your own verified PayPal and will be able to withdraw the money here in Nepal. I have tried to go through everything I know. If you guys are still confused after reading this, please let me know. I’m sorry if the tutorial seems long, I just wanted to be as thorough as possible.


The process is quite simple actually.

  • We are going to get ourselves an International MasterCard (for free).
  • Then get ourselves an US Bank account.
  • Withdraw money from PayPal to US Bank a/c.
  • The withdrawn money will automatically get loaded into our MasterCard.
  • Use the Mastercard and withdraw the money from ATMs here in Nepal.

Didn’t get me? Don’t worry. It’s just an overview of the method. Everything is explained below.

Note : This method concerns with creating a PayPal so that the money can be withdrawn in Nepal. You can also use the same MasterCard to create a Verified Nepali PayPal account which can be used to send payments only.

Signing Up

You can get a MasterCard for free by signing up here. We are using a company named Payoneer, which provides MasterCard to users worldwide. You can use this card for various purposes including online (buy/sell products online) and electronic (withdraw through ATM) purposes.

While signing up, you will also be asked to upload a scanned copy of a national identity document (i.e. Passport/Citizenship). So, make sure you have it with you. Your application has to be then accepted by Payoneer (You need to be 18 years or older). Once accepted, the card will be shipped to you for free. Make sure to provide correct shipping details so that you can receive the card. It took me about a month to receive the card here in Nepal.

After Receiving Card

Once you receive your card, activate it as follows:

  • Go to Payoneer
  • Click on ‘My Account’
  • Enter the User ID and Password you chose when your card was ordered, to log in
  • Click on ‘Activate your card’
  • Select your 4 digit PIN number and submit
  • You will receive an email confirmation for activation

US Payment Service

Now that you have activated your card, you need to apply for US payment service. US Payment Service is one of the services provided by Payoneer. If you apply for it, you will be provided with your own US Bank Account and if someone deposits money on that bank a/c, it will automatically get loaded into your MasterCard. However, not everyone can deposit money on your bank a/c. You can use US Payment Service for receiving money from only select companies and PayPal is one of them.

US Payment Service

To activate your US Payment Service:

  • Login to Payoneer and go to Services (or Receive Money) > US Payment Service.
  • At the end of the page, you should find a button that says something similar to Activate my US Payment Service . Click on it.
  • You will then receive details of your own US Bank Account.
  • Take note of the Bank Routing Number and Account Number. We will be needing it later on to withdraw money from our PP.

Verify PayPal

In order to use a US bank account to withdraw money from your PP, the country must be on this list. Choose a country from the table where it says Send. Receive. Withdraw (except India & Vietnam)( Update: PayPal has removed the list.)

Create a PayPal selecting USA or Canada as your country of residence.


(Clarification : For those of you wondering why I have mentioned not to create PayPal selecting Nepal as your country, the reason is simple : PayPal does not support Nepal. As a reason, if you do create a PayPal account selecting Nepal as your country, you will only be able to send payments from the (international) card linked to your PayPal, you won’t be able to receive any payments on your PayPal.)

Here’s how you need to proceed in order to verify your PayPal.

  • Login to your PayPal.
  • Go to Profile > Update Bank Account.
  • Add a bank account.
  • Select Checking and enter the Routing Number and Account Number that you’ve received above, on US Payment Service.
  • Click on Continue.

    Link Bank Account

It will now make two small deposits on your bank account to confirm that it really exists and that it belongs to you. That deposited amount will be automatically loaded on your Payoneer MasterCard, and once it does, you will receive an email notification. You can then login to Payoneer and check the deposited amount. It might take up to a week for the amount to show up on your Payoneer interface, but most of the time, it shows up in two to three days.

Once the two amount show up on your Payoneer interface, login to PP and go to Profile > Update Bank Account. You will see a text that says Confirm Bank Account. Click on it and enter the exact amount you saw on your Payoneer interface.

Congrats, your account is now verified!

PayPal Verification Deposit


Transfer From PayPal

  • Login to PayPal.
  • Go to Withdraw > Transfer to Bank Account.
  • Enter the amount to be withdrawn.
  • Click on Continue.

Transfer to bank account

Your PayPal fund will now get transferred to your Bank account and then loaded onto your Payoneer MasterCard. It should show up on your Payoneer interface within a week.

Withdraw From MasterCard

Withdraw from ATM

Now that the fund has been loaded onto your MasterCard, simply go to a ATM and withdraw the money. I will recommend you to use ATMs of only two banks, though : either Nepal SBI or Standard Chartered. See below for the reasons.

Fees Involved

This is the part most of you have been waiting for. What are the fees? Well, to be frank, the fees seem to be quite high (esp. for us). But, I think no matter how much it costs, it’s always better to have the money right here in your hands rather than letting it pile up on your PayPal, and not getting to use it here.

  • US Payment Service : US Payment Service charges 1% of the transfer amount. So, for example, if you transfer $100 from your PayPal to your bank account, only $99 will be loaded into your card.
  • ATM withdrawal : ATM withdrawal fee is quite high. Each time you make a withdrawal, you will be charged $3.15 + up to 3% currency conversion fee.
  • Annual card maintenance fee : I forgot to mention about it earlier. Once you reach $29.95 on your Payoneer account, that amount is automatically deducted by Payoneer as an annual card maintenance fee. And yearly, at the same day and date, $29.95 will be deducted.


How to minimize the fees?

  • Do not use ATMs other than that of Nepal SBI (SBI bank has started charging Rs. 400 more) Standard Chartered Bank, Nepal Bangaldesh and KIST bank. The reason I say so is because others charge more money on top of the existing fee ($3.15 + 3%). I learnt it while Googling, and would like to thank the owner of this blog for the help. I had withdrawn some money from Nepal SBI’s ATM and it did not charge me more than the said fee ($3.15 + 3%).
  • SBI allows maximum withdrawal of Rs. 16,000 at a time, whereas Standard Chartered allows a maximum of Rs.10,000 withdrawal at a time. So, try not to withdraw small amount from ATM, instead make a habit to withdraw the maximum amount allowed (i.e 10,000 or 16,000). This will help minimize the fees.
  • Do not make a balance inquiry from ATM. Every declined ATM withdrawal and balance inquiry costs you $1.
  • Payoneer charges annual card maintenance fee of $29.95. After you load  your card with more than 30$ for the first time, you will be charged 29.95$ as an annual fee. After that, each year, at the same date, you’d be charged the annual fee. So, every year before that particular month, empty your card i.e. either withdraw your money, or spend it online, but make sure there’s nothing left there. Payoneer won’t charge the fee if your card’s empty.



PROS and CONS of the method

Pros & Cons

239 Responses

  1. Dinesh February 18, 2013 / 1:25 am

    Great post. Im gonna try it once I get a bank a/c. I can’t wait to try it :D

    • Hemanga June 17, 2013 / 12:26 am

      How did you earn money ? I don’t have any source for money please help.. :(

  2. Biut Raj Thapa February 18, 2013 / 1:20 pm

    So wanna try it but Under 18. so need to sped it online. :)

    • Hemanga June 17, 2013 / 12:27 am

      How did you earn money ? I don’t have any source for money please help.. :)

  3. Aakash February 21, 2013 / 4:13 pm

    Guys …. NABIL Bank allows you Nrs. 35000 per withdrawal and they charge you Nrs. 400 Per withdrawal. So this might be good way to withdraw your money from paypal. Hope it helps you.

    But as this post … I searched my payonner account but cant see Services menu to activiate US Payment Services. Any guess why it is not visible for me ? I orderd my card from oDesk year ago.

    • Subigya Nepal February 21, 2013 / 5:14 pm

      Hi Aakash, Thank you for your comment. Is Rs. 400 the only fee charged by Nabil for withdrawing through Payoneer MasterCard, no matter how much you withdraw? Payoneer charges $3.15 per withdrawal, and MasterCard charges upto 3% of the withdrawal amount, if the withdrawal is requested in amounts other than US Dollar. On top of that, banks (such as Himalayan Bank) charge fees for using their own ATM. SBI and Standard Chartered Bank, however do not charge any fee for using their ATM, so you only need to pay $3.15 + 3% for the fees. Also, please note that the MasterCard issued by Nabil is different from the one issued by Payoneer. Payoneer’s MasterCard has its own set of fees. I just want to make sure that your figures are right. Please let me know.

      Regarding the US Payment Service, I think old users need to contact Payoneer to activate it. See here. Thanks.

      • Aakash Shrestha February 22, 2013 / 9:50 am

        Hi Subigya, Well I haven’t tried to withdraw my money with other bank ATM’s I only withdraw my money from NABIL’s ATM .. and NABIL Charge you Nrs. 400 per withdrawal. Payneer charged me $2.15 per withdrawal and remember nabil bank allows you to withdraw Nrs. 35000 per withdrwal. I dont know about what mastercard charge you as I can’t see that charge in my Payoneer account. So all total fee when you withdraw your money from payoneer is (Nrs 400 + $2.15). But remember again Nabil Bank allows you to withdraw Nrs. 35000 at a time.

        I know mastercard issues by nabil is different from Payoneer Mastercard and I am using payoneer mastercard not nabils.

        Thank you for your help on activating US Payment Services. I will try that now.

        • Subigya Nepal February 23, 2013 / 7:34 am

          Aakash, take a look at the bottom of Payoneer’s pricing and fees page, it is mentioned that MasterCard charges up to 3% if the amount is requested in other than USD. I am quite amazed that $2.15 + Rs. 400 is all that you were charged. I had withdrawn Rs. 500 from SBI Bank’s ATM in order to test the fees, Payoneer charged me $8.15 ($2.15 fees + about $0.17 as 3% of withdrawal amount) for it. By the way have you withdrawn less than 35000 from Nabil’s ATM? And was the fee still the same (Nrs. 400)? I should give it a try. Thanks for letting me know.

    • Dinesh February 4, 2014 / 3:22 am

      Hello Aakash, This Us payment service is working with skrill since a year ago only. If you have old payoneer account. You cannot able to do so.

  4. Sulabh Sharma February 24, 2013 / 2:08 am

    How many times have you withdraw money from paypal to your mastercard?

    • Subigya Nepal February 24, 2013 / 6:23 am

      Hi Sulabh, I have withdrawn 5 times till now.

  5. aashish February 24, 2013 / 4:54 am

    Well guy i read all your post and comments so would like to say something on my experience.

    I agree you created a paypal account from US Address.

    Ok i agree you verified it with that US Bank account and your Paypal is US Verified.

    Now my question is Paypal may ask you to provide documents {eg: Address proof, Bank Statement etc] which should have the exact Address as you create your Paypal Account..

    If you fail to provide necessary documents as they ask then you can loose your Account VERIFIED Statusand they can keep your account as Limited so you may no longer do any transactions.

    This is in case of UK, but i don’t know about USA. I am sure paypal does the verification process where ever the members are from as they concern high regarding Security and Identity theft.

    Hope you guys get me. If not its up to you bcz i don’t want any one to loose their money in Paypal account if it gets freeze bcz of the Limited Paypal Account.


    • Subigya Nepal February 24, 2013 / 6:32 am

      Hi Aashish,

      Thank you for your comment. It seems however, that you haven’t read the post completely.

      First, you don’t need to create PayPal from US Address in order to use a US Bank Account. Users from select countries are allowed to use US Bank Account.

      Next, if you read till the end of the post (under Pros and Cons), I have talked about the limitation of PayPal. Yes, you are correct. PayPal might ask for verification document anytime, and we won’t be able to provide it. As a result, our account will get limited. Limitations are of several kind, some limitations even let you receive money on your account, but not send it. Anyway, what you have to remember here is that we have used a Bank account. PayPal limits an account for 180 days, after which the money on your account will be transferred to your bank account. So, actually you won’t lose any thing at all; you just have to wait for 6 months to receive the money. After 6 months, it will be loaded onto your MasterCard. Now, think about this, is it better to use an unverified PayPal account and not get the money even if the account gets limited? Or, is it better to have a verified account, which is accepted by almost all sellers/buyers, and be able to receive the money even if it gets limited? I hope you have understood.


      • aashsih February 27, 2013 / 8:02 am

        ya got it but could not edit the comment :p

  6. Ritcus February 25, 2013 / 2:15 pm

    hello subigya. I read this post bt why we should make a paypal account from USA whynt Nepal.?? I m really confused :(

    • Subigya Nepal February 25, 2013 / 3:03 pm

      Hi Ritcus,

      PayPal does not support Nepal. If you create a PayPal account saying you are from Nepal, you won’t be able to receive any money on your account. You can only send money from a Nepali PayPal account. So here, we are creating a PayPal account from a country which is supported by PayPal and which is also allowed to withdraw to a US Bank account. Please note that you do not need to create the PayPal account from USA. I have included a link on the above post; you can create your PayPal account saying you are from any one of the countries on the list. We just need to use a country whose users are allowed to withdraw to a US Bank account. Hope you have understood. Let me know if you have any questions. Thanks.

  7. Ashish February 25, 2013 / 3:20 pm

    This is one good tutorial for just what I need. But I was just wondering, when you entered the address for your card to be mailed to..did you choose your home address or did you open up a post box for that purpose?

    • Subigya Nepal February 25, 2013 / 4:13 pm

      Hi Ashish, I entered my home address while ordering the card. Actually, I did not receive it the first time I ordered it. So, I emailed them to send me the card once again, and they sent me a new one. I received it the second time. So, I would recommend you to use a post box instead. In Kathmandu, it costs Rs. 760 to open up a post box (small one).

      • Ashish February 25, 2013 / 4:38 pm

        And I just closed by PO Box a few months ago thinking it would be of no use anymore.

  8. Ritcus February 25, 2013 / 3:53 pm

    Okie i got it thanx. Bt in the paypal account i have to use my real name bt abt my address it can be fake? N as u say paypal is only a getway to recieve money from different sites to paynoor. Is it? I m a blogger so thinking of adding ads to my blog bt there is one ads called infolinks it does support paynoor directly in that case can we use paynoor directly or should i use paypal account?

    • Subigya Nepal February 25, 2013 / 4:23 pm

      You need to use your real name because while withdrawing, PayPal checks to make sure that the name on your PayPal account and that on your US bank account is the same. So, make sure you use the same name while signing up on Payoneer and PayPal. PayPal is not the only method to load your Payoneer card. You can load Payoneer MasterCard in four ways, through: 1. Partners (such as Infolinks, Odesk etc) 2. US Payment Service (for ex. by using PayPal, Moneybookers etc) 3. Credit/Debit Card (Visa/MasterCard) 4. Other Users’ Payoneer Card.

      This guide is just meant to show you how to withdraw PayPal earnings in Nepal even though PayPal does not support Nepal. Infolinks is a partner of Payoneer, so you can directly withdraw your earning to your Payoneer card, without using PayPal. And keep in mind that the fees are different if you order your card through Infolinks. There’s two ways you can order your card : through Payoneer directly, and through partners such as Infolinks. If you go to the payment section of Infolinks, and choose Payoneer as the payment option, it will give you a link to sign up on Payoneer. If you sign up on Payoneer that way, the fees will be different. If you follow the above guide, you will be ordering the card directly, without using any partner and again, the fees will be different. Thanks.

      • Sunil April 22, 2013 / 11:46 am

        IF we choose other than for the country of residence,should we use fake address although there has been a real name.

        Pls clarify it.


  9. Ritcus February 25, 2013 / 4:35 pm

    Okie.. thank you for this tutorial n ur supports. I already order my paynoor frm its official site 1 week ago. Bt as u replay to asish, i have give my home address nt post office. I am frm chitwan. It says i will recieve it at 28th march. Would i will able to get or nt ..? N could u plz share ur facebook id or a email address so that i can contact on future too? ?

    • Subigya Nepal February 25, 2013 / 4:48 pm

      Don’t rely on the date mentioned by the site, as they mention the average time taken for the card to reach countries worldwide. It takes a bit longer in Nepal. You should receive your card in 3 to 4 weeks after placing the order. If you don’t, re-order the card (and give a PO Box number if you can).

      You can send me an email on admin[at]thelacunablog[dot]com, or you can like us on Facebook and send message to our Facebook page. Thanks.

  10. Rajan Maharjan February 28, 2013 / 4:05 am

    Hello Subigya,

    This is really a great post. I was planning to create similar post as I am also using payoneer from last few months, but didn’t got time.

    Anyway thumbs up to your work.

    I also got my verified paypal account however there is transaction limit for $500. I wanted to verify my master card but it is taken from Nepal. So did you tried increasing limit by using your payoneer master card or not?

    Any suggestions highly appreciated!


    • Ashish February 28, 2013 / 12:45 pm

      Just have a question for you friend..How did you get a master card in/from Nepal? Is it an international one?

      • Subigya Nepal February 28, 2013 / 4:19 pm

        Yes, some Nepali banks do provide international MasterCard.

        • Ashish February 28, 2013 / 4:29 pm

          Any idea how someone gets hold of one?

      • Rajan Maharjan March 1, 2013 / 4:47 pm

        Hello Ashish,

        I got payoneer card from Citi Bank but it has address of Nepal. You can order payoneer master card from here in nepal free of cost.

        Don’t try to waste your time visiting local banks here in Nepal for Credit Cards, its worthless.


    • Subigya Nepal February 28, 2013 / 4:17 pm

      Hi Rajan,

      By transaction limit, do you mean withdrawal limit? My PayPal account shows only withdrawal limit, there’s no sending or receiving limit. A credit/debit card has to belong to the same country as that of your PayPal account in order for it to work. Unlike the bank account, you cannot use a credit card issued from a separate country on a PayPal account of another country. Since the billing address on my Payoneer MasterCard is of Nepal, but my PayPal account is of US, I have not tried using it in order to increase the limit and I don’t think it will work, either. Thank you.

      • Rajan Maharjan March 1, 2013 / 4:43 pm

        Thank you for your kind reply. I guess it will not work.

  11. Bishal Mainali February 28, 2013 / 8:53 am

    You can use Virtual Pay Card (VPC) to increase limit if you have any problem regarding this problem kindly visit there is some hints…

  12. Gamer March 3, 2013 / 11:25 pm

    Just wondering what kind of document did you upload in order to get approved? Was it your passport?

  13. Heman March 5, 2013 / 6:19 pm

    I already have my citizenship certificate and I am below 18. Can’t I apply for card? If I can I order the card from my mother’s identity? Also can I earn online and deposit it on paypal until I am 18?

    I’m from kausaltar, Bhaktapur. Who will handover the card to me ? or I have to visit some office for that?

    last question. How will I load my master card with money time to time?
    sorry for long series of questions but I was curious :)

    • Subigya Nepal March 5, 2013 / 6:42 pm

      No, you cannot apply for the card; you are not 18 years old. You can however, apply in your mother’s name and submit the copy of her passport/citizenship. Obviously, her name will be printed on the card. You have to give your exact address; be as specific as you can (give your ward number and house number). Either, a postman will deliver the card to your home, or he might ask you to collect your item from post office. Either way, if you entered correct address, the postman will visit you and let you know what to do. You don’t have to pay for anything, though. You just need to wait for the card to arrive. Wait for 6 weeks at most. If the card does not arrive, contact Payoneer, they will send you a new card.

      If you create a PayPal account saying you are from Nepal, you won’t be able to receive any money on your account since PayPal does not support Nepal. So, as I have mentioned on the post, you need to create PayPal from a country which is on the list I have provided above (read the article).

      You can load your MasterCard in four ways : 1. US Payment Service (Using PayPal, Moneybookers etc.) 2. Credit/Debit Card 3. Payoneer Partners (Infolinks, Odesk, Freelancer etc) 4. Other user’s Payoneer Card. Thank you.

      • Heman March 6, 2013 / 6:21 am

        Thank you so much for the info :)

  14. Ashish March 5, 2013 / 7:26 pm

    I would also like to add that citizenship certificate in Nepali might not be accepted by them.

  15. Rahul Rauniyar March 13, 2013 / 12:34 pm

    bro subigya, hello …. m very happy to know that atleast some peoples are earning from our country. well as per my question ….. i have applied for the mastercard many times but the mastercard never reaches my home address….. and yah what should i fill in postal code : ? . 977 or “33700” which is the postal code of pokhara my town . please guide me. Well i am the owner of blog plxz help me and provide me with ur number or add me in facebook as i am also an online worker and it can b a great help for both…..

    • Subigya Nepal March 13, 2013 / 6:21 pm

      Hi Rahul,

      You need to enter your exact address. Ward number and House number is required in order for you to receive the card at your home. It does not matter what you enter as postal code, as long as you enter your ward number and house number. If you did not receive the card even after putting such details, I would suggest you to get a post box, which costs around 760 in Kathmandu ( plus Rs. 1000 as security deposit for the first time). I guess they charge the same out there in Pokhara. If you get a post box, you will receive the card in a month. So, I think that would be the best option for you. Let me know if you have any problems or questions.

      To get in touch with me, please message our Facebook page. Thank you :)

  16. Yogesh Subedi March 16, 2013 / 8:15 am

    I have a payoneer card. And the above picture of us payment detail like your i also have . but also paypal is not verifying ? it always showing error message. or paypal from us account and payoneer of nepal bhayera yasto bhayeko ho ki maile najaaneko ho ki ? Plz Reply fast hai

    • Subigya Nepal March 16, 2013 / 2:34 pm

      Hi Yogesh,

      You need to verify PayPal with the bank account information you received from US Payment service, not with your Payoneer Card. Did you try verifying with the card? It does not work that way. Follow the directions under Verify Paypal above (in fact, i suggest you to read the above post completely because it seems like you have not read anything at all), and let me know if you still receive any error message. A Nepali PayPal account cannot be used to receive fund. So, yes, you need to use a US PayPal account.


  17. Bipin March 19, 2013 / 4:56 am


    I just received my payoneer card and I have verified it. I want to know how do you use payoneer card? I am from ktm. I want to know if I can purchase stuffs online, like software and so on. I work on oDesk. Can I transfer money from odesk to payoneer accouont? I recently added payoneer account as withdrawl method on oDesk but odesk is not showing up.
    And I can’t use paypal since the account was created by selecting Nepal as country. If I create another paypal account with different country name. How do I verify the paypal account? If I have people in say USA can I verify my US paypal account?
    I added the payoneer card in skrill, it looks good but there is limit. And I can’t verify payoneer card with skrill. It says card is from another country and address is from another country.

    Last question, how do you upload funds to payoneer account?

    • Subigya Nepal March 19, 2013 / 10:27 am

      Congrats on receiving your Payoneer Card. Did you sign up for it through ODesk or directly through Payoneer?

      Yes, you can purchase anything, whether online or offline. As Odesk is a payment partner of Payoneer, you can directly transfer your earnings from ODesk to Payoneer. See here to learn how to do it. If Odesk is not showing up, you need to contact Odesk regarding the problem. If you have succesfully associated your Odesk account to your Payoneer card, login to your Payoneer interface and you should see your Odesk ID on the right side under Accounts associated with this card. As per this article, Payoneer withdrawals become active in four days after you enable it.

      Regarding PayPal verification and withdrawing money from PayPal, please read the above post properly. Everything you need to know is mentioned above. You cannot verify your US PayPal account with the Payoneer card as it has your Nepali address on it. You will need to verify your PayPal with the bank account information provided through US Payment Service (Read the post above).

      Where did you create your Skrill account from? If you ordered your Payoneer card in Nepal, it will have a Nepali billing address and your Skrill account too, needs to be created from Nepal in order for you to make use of the card.

      You can load your card in four ways : 1> US Payment Service (PayPal, Skrill, etc. Read the post above.) 2> Partners (Infolinks, Odesk, SeoClerks etc) 3>Other Credit/Debit Cards (Mastercard and Visa payments can be directly made to your Payoneer card) 3> Other user’s Payoneer card.

      Thank you.

  18. Bipin March 21, 2013 / 3:41 am


    I just activated my paypal account :D…yea!!!! I create canada paypal account and linked century bank account and got activated within like 2 or 3 days. I have some other questions for you. When will paypal ask for verfication? What do they ask? I have my people in Canada. Will I be able to provide verfification documents with help of them? I just wanted the paypal to buy online stuffs. Withdrawls seems another limited stuffs. There is just 10K or 15K rs per withdraw from ATM of standard charted or SBI bank. When withdrawing from these atm wats up with 3% charge free. If I am withdrawing $100, then will they charge 3$ (3%) + 3.5$? …I mean the 3% is % of whole withdrawl amount or just conversion % :P?
    How do you transfer funds from you oDesk earning to you hand? I use for this purpose…..I will use paypal and payoneer just for online usages. What do you recommend for me for this both purpose?
    Once again thank you very much boss for your help. :)

    • Rajan Maharjan March 21, 2013 / 11:54 am

      Hello Bipin,

      Can you tell me from which atm and where did you withdrawn 15k from SBI bank ATM? I am using Standard Chartered as its withdrawal limit is 10k only.

      However when I tried to withdraw from ATM of SBI in newroad and jawalakhel, the ATM machine simply replied that it can’t process the card.

      Hope to hear great answer.

      • Subigya Nepal March 21, 2013 / 1:09 pm

        Hi Rajan,

        Someone has pointed out above (look at the first comments) that Nabil Bank allows to make withdrawal of 35k at once. I am not sure if they charge any extra fee for using their ATM, though.

        I have withdrawn from SBI bank’s ATM multiple times, without any problem. I have only used the ATM at New Road and it has worked perfectly. However, only one of its ATM at New Road works. The other one does not respond at all. You must have used the broken one.
        I cannot understand why it didn’t work in Jawalakhel. As you can see in the post above, the picture clearly states that I had withdrawn from NSBL NEW ROAD. I’m not sure why its not working for you.

    • Subigya Nepal March 21, 2013 / 12:48 pm

      Hi Bipin,

      PayPal might ask for verification document (utility bill, phone verification, any document that shows the exact address you entered on your PayPal account) at any time. And you won’t be able to provide any of those verification document, because you are not from Canada. You can use PayPal for now, to withdraw your PayPal earnings to your MasterCard, but for safe use, I would suggest you to order a new card from Payoneer in the name of one of your folks at Canada. And then create a PayPal in their name with their current address. I hope you understood what I am trying to say. To withdraw from PayPal to your card, the card holder’s name and your PayPal account name should be the same. So, when you order a card to Nepal in their name, and verify PayPal account (which is also in their name), you can provide verification document whenever PayPal asks for one. You can just ask that person from Canada to provide you those verification document, and your account will be safe. Until then, you can make use of your current PayPal account.

      Standard Chartered allows 10k of withdrawal at once, whereas SBI Bank allows you to make 16k withdrawal at once. If you want to withdraw more, you can use Nabil bank’s ATM which, as someone has pointed out above, allows 35k withdrawal at once. I am not sure if they charge fee for using their ATM, though.

      Here’s how the fee works. Whenever you make a withdrawal, $3.15 will be deducted from your balance. The 3% fee depends on the withdrawal amount. For example, if you have $100 on your account, deduct the $3.15 which leaves you with $96.85. Lets suppose the forex rate is $1 = Rs. 87. Now, 87 X $96.85 = 8425.95. 3 % of 8425.95 = 252.77, which when converted to dollars is 252.77/87 = $2.9. So in total your fee would be $3.15+$2.9. Note that you cannot withdraw 8100 from an ATM (because it is not a multiple of 500). So, here you will need to withdraw Rs. 8000 (Fees = $3.15 + 3% of 8000).

      You can withdraw your Odesk earning to your Payoneer MasterCard, and then withdraw the money from an ATM. It is more easier than using Skrill. I haven’t withdrawn earnings from Odesk but I have tried with SeoClerks. The process is almost the same. You need to link your Payoneer card by going to the withdraw section, and then the staff at Odesk/SeoClerks will approve the card you have linked. You can then request for a withdrawal. Once the payment is made, you will be provided with two options by Payoneer : To load the money on your card within 2 days, it will take a fee of $2, whereas, if you wish to load the card within 5 hours, $5 will be deducted from the payment. You will receive an email notification once the money has been loaded into your card. Then you can go to an ATM and withdraw the earning.

      Instead of using PayPal, you can ask your client to directly pay you to your MasterCard. Just link them to this page and give your email with which you signed up on Payoneer : . Your clients can pay you through their credit card, and the fund will be loaded into your card. Thank you.

      Let me know if you have any more queries.

  19. Deepak Koirala March 21, 2013 / 1:10 pm

    Hello my PayPal is limited. It was verfied before with the adding bank option like you have said. But now it says to verify my account with the location or the phone number.

    Can I verify it with someone’s phone number who stays in US.

    • Subigya Nepal March 21, 2013 / 1:16 pm

      You may be able to verify using someone else’s phone number, but there’s no way you can provide address verification. Once your account is limited, you are done. Does your account say its limited? Just asking because I have verified my US PayPal the same way, but it has not been limited till now. Although, each time I receive fund, it is kept as pending for 14 days. After 14 days, I get to use the money. Is that what you are experiencing too, or is your account really limited? How long had it been since you created your PayPal? You must have done something suspicious to trigger the limitation. Otherwise, my US account too, would have been limited by now.

  20. Deepak koirala March 21, 2013 / 2:19 pm

    Yah account is limited. Sending and withdrawn is not allowed. Receiving stuffs allowed. Limited with it is asking me the contact address proof or alternative option – the phone number verification. What should i do now? Will the phone verification removes the limited error?

    • Subigya Nepal March 21, 2013 / 2:30 pm

      It should. But, can you change your phone number now? Google about how they perform phone verification ( whether they send an SMS, call, or ask some question regarding your account). If you can change the phone number, use someone else’s phone number and get them to verify your account for you.

  21. Suman Adhikari March 26, 2013 / 2:10 am

    Well, I’m an online freelancer and need to receive money in my paypal and withdraw that money….

    So can I use this way to receive my money in PayPal And withdraw it …

    Also…I need to sign up for Google developers and receive money from there…Will this card work there too??

    • Subigya Nepal March 26, 2013 / 6:47 am

      Hi Suman, yes you can use this method to receive and withdraw money from your PayPal. You’d have to follow the exact guidelines mentioned here.

      Your card cannot accept incoming payments from everywhere you like. You can use it to spend money but in order to receive money in your card, you have to either join a Payoneer Partner and request withdrawal to your card, make use of US Payment Service or ask your clients to visit this page and make payment through their card : If Google Developers allows you to withdraw earning to a US Bank Account, you can make use of the US Payment Service provided by Payoneer, and transfer your earning to your MasterCard. But, as I said to you earlier, you cannot directly transfer your Google Developers earning to Payoneer MasterCard.

      If you use certain sites such as or for your freelancing purposes, then you can directly transfer your earning from such sites to your Payoneer MasterCard. These kind of sites are called Payoneer Partners since you can directly withdraw your earnings to your card. I hope you understood. Thank you.

  22. Rajeev April 4, 2013 / 9:51 pm

    This post has useful info and describes every step to withdraw money from Payoneer..

    But you haven’t gone in detail about Paypal.

    You should however also add steps on how to register for Paypal , like you did.

    Please add on details about how to register paypal account and from which location etc. How to login from Nepal to add those routing numbers etc.

    Describe steps to safely register/access Paypal from Nepal?

    If you have done it from US ,explain those steps?

    Coz i see most of the people are having hard time with account being limited or barred by Paypal.


    • Subigya Nepal April 11, 2013 / 12:54 pm


      I didn’t post about PayPal registration steps because I didn’t want to extend the post any longer. Registration on PayPal is the same as registration on any other sites. I don’t think it needs to be explained.

      I don’t use any VPN/Proxy to register/login to my PayPal. And regarding PayPal safety, it’s your responsibility. I’m just suggesting a way to withdraw PayPal earning, safe PayPal access is not something that this post concerns, I’m afraid.

      If you are looking for my suggestions, I can certainly provide some. But, please be aware that following these rules does not mean that you will not get limited because at some point, you will get limited. All you can hope for is to use the PayPal for a longer period of time before it gets limited.

      Suggestions : Don’t use PayPal from different computers/IP addresses, Login to your PayPal only when you need to perform transactions, Keep your transaction amount as low as possible and in the same range (for ex. if you receive $50 weekly, don’t raise it to $300 at once). Deals with accounts in question or multiple disputes/refunds are also responsible for the limitation of a PayPal account.


  23. Rohit April 6, 2013 / 6:41 am

    How can I load money in my Paypal Account.. From Nepal. ??? My account is not verified one.. And how to receive the payoneer Card do the Mail Service deliver the Card Correctly

    • Subigya Nepal April 11, 2013 / 12:27 pm


      You cannot load your PayPal account from any financial institution in Nepal as PayPal does not support Nepal. If you have a Nepali PayPal account, you can send funds via it using an International Credit Card with a billing address of Nepal.

      You can also ask your clients to make payment to your PayPal. But please note that Nepali PayPal account can only send fund, it cannot receive any money sent to the account.

      Regarding the MasterCard, please read the post above properly. A post man will either deliver the card to your address or ask you to collect it from a post office.


  24. Namgyal April 10, 2013 / 6:16 am

    you said paypal will deposit an amount to the payoneer account but I didn’t receive any. I’m still waiting for it.

    • Subigya Nepal April 10, 2013 / 7:03 am

      How many days has it been? It does not take more than 2-3 days (not counting holidays.)

      • Namgyal April 10, 2013 / 4:42 pm

        it’s been more than a week.

        • Subigya Nepal April 13, 2013 / 7:42 am

          Not received the deposit yet? There is something wrong if you didn’t receive the money till now.

  25. Ritcus April 12, 2013 / 4:46 pm

    I didnt get my payoneer card. i Order it 1 month ago n shipping last date was 4 april bt i didnt get it. SO, sir any other idea of getting it. Please help me ! I m frm chitwn . how can i get payoneer card here in chitwan ?

    • Subigya Nepal April 13, 2013 / 7:35 am

      Wait for a week more, then contact Payoneer Support (Choose Card Shipping under Category) and tell them that its been 35 days and you have not received your card yet. They will ask for your address and send you a new card for free. Provide a PO Box number this time; either get one PO Box for yourself, or use the PO Box of your relatives/parents/school.

  26. Prasiddha April 15, 2013 / 1:10 pm

    Guys ! I can help you get you your paypal money in full whether verified or unverified. For that I will charge a nominal fee of 5% of transaction amount (Minimum Rs. 300 per transaction). No other fees but remember paypal deducts 3.9% and 0.30 USD when you make transfer to my paypal account. In other way to use your paypal account, you can buy domain from my newly launched web hosting service i.e. . I have recently started this service with intend to provide Nepalese guys with cheapest services possible. You can buy domains with your unverified paypal account balance. In case, you need some other products not mentioned in the website, you can always contact me or drop a private message in facebook fanpage of Hope, I can help you guys ! For more queries you can contact me.

    • Rajan April 19, 2013 / 7:07 pm

      Hi Prasiddha, which domain registrar is the one you will be providing if we register through your site? Or do you provide service to register domain in either namecheap or namesilo? From which webhosting company are you giving the free hosting service? I mean companies like hostgator, bluehost, etc. Plz let me know.

      • Prasiddha May 9, 2013 / 5:48 pm

        Sorry for the late reply, but I have been providing this service through Directi.

  27. Rajan April 20, 2013 / 5:14 am

    Thanks for the detailed info. Aren’t there any other card services available to use for this process apart from Payoneer? Since Payoneer charges annual fee, if any other virtual card services are available or not which do not charge any annual fees? If so, then we can use such card services instead of Payoneer. Any alternatives?

    • Subigya Nepal April 20, 2013 / 7:00 am

      As far as I know, there isn’t any payment service that provides similar services as that of Payoneer. You can get virtual card/bank accounts ofcourse, but I doubt you’d find anything cheaper than Payoneer.

      You can sign up for Payoneer in two ways : via a partner or from their site directly. The fees and pricing are different for different partners, you’d need to check and compare each one’s before signing up. However, if you sign up via a partner (such as Infolinks, Odesk, Seoclerks etc), you’d have to pay monthly fee instead of yearly fee. I had signed up via Infolinks. Payoneer charges me a monthly fee of $1 if there are more than 5 transactions in that month, and 3$ if there are less. If you can maintain 5 transactions each month, its cheaper than ordering the card directly.

      The only problem with ordering card via a partner is that, you need to withdraw earning from the partner at least once at the beginning in order to activate US Payment Service and Private loads. There’s no need to withdraw earning from the same partner that you ordered the card from, however. You can later attach your card to multiple partners and then withdraw from any one of them. For ex. you can order card via Infolinks, then later attach it to your SeoClerks account and withdraw your earning from SeoClerks. Then, your card will be active for private loads and US Payment Service.

      • Rajan April 20, 2013 / 4:48 pm

        When registering for Payoneer, we will have to use our original address in Nepal. However, opening paypal account, if we state USA as country, how can we verify paypal even if we get payoneer since paypal ac will be usa while payoneer will be nepal?

        • Subigya Nepal April 21, 2013 / 5:41 am

          Please read the post carefully. You are going to use a US Bank Account to verify your PayPal, not your Payoneer card. You can use the Payoneer card to verify your Nepali PayPal and the US Bank Account to verify your US (or other countries’) PayPal.

          • Rajan April 21, 2013 / 6:10 am

            After getting Payoneer card, as I will have to open a Paypal ac selecting USA as country, I assume we will have to input fake details (like address, phone number). Is there any site from where we can generate fake details? Will paypal verify the fake address?

  28. Bipin Paul April 21, 2013 / 7:28 pm

    I am from Janakpur & want to get Payment through Paypal & Odesk.

  29. Bipin April 23, 2013 / 7:09 am


    Today I tried to withdraw 16K from SBI ATM, but I couldn’t. It showed error? I tried many times but no luck. Any suggestion? I don’t want to withdraw from standard charted. What about Nepal Investment Bank’s ATM?


    • Subigya Nepal April 26, 2013 / 12:18 pm

      Sorry, I have no idea why it did what it did. I haven’t withdrawn from any other bank’s ATM besides SBI’s. The maximum amount I have withdrawn at once is 9k and it had worked fine. Were you trying to withdraw from the ATM in New Road? Because, one of the ATMs there does not work. Maybe you should try withdrawing later. By the way, what error did it show? Let me know how it goes. Thanks.

  30. Bijay Pakhrin April 30, 2013 / 5:39 am

    Hi, Can you suggest me a best country to sign up as in paypal so that i can use it after verifying US payment service? I don’t want my account to be locked with all my money in it.

    • Subigya Nepal April 30, 2013 / 6:44 pm

      I’d suggest Canada. But, please note that your account will get limited at some point. It might take a day, or a year; its just a matter of time. You can’t expect to use it forever without raising any flag on PayPal Headquarter.

  31. saugat May 6, 2013 / 5:09 pm

    hy subgiya,

    can i use your po box number ???

    i guess you are from sres chitwan….

    • Subigya Nepal May 6, 2013 / 5:18 pm

      Saugat, I had studied at SRES for a while. I live in Kathmandu now.

  32. Raja May 6, 2013 / 6:03 pm

    Hey, i just follow your suggestion. I entered into Payoneer, i got registration field, I entered all correct information. But while finishing all user input i always get red sign box in password field. Here is how i put password:



    But not either of them succeed. How i should put password in choose your password box? Please give me example of it’s format? What is it max size? Can i put special symbols? And last does shipping address is necessary in Nepal?

    • Subigya Nepal May 6, 2013 / 6:21 pm

      I tried entering the passwords you provided, and it worked fine. You must have entered different passwords on the two fields. Try it once again.

      Shipping address is where the card is sent. If you don’t provide it, you won’t receive the card. If you are ordering it to your home, make sure to provide your house number and ward number, if not, provide your PO Box number.

  33. Raja May 7, 2013 / 8:21 am

    Hi! subigya i successfully registered with Pay0neer. You have provided a good topic that everyone loves. I’m further in dilemma about verifying paypal, does above process signified total verification process of paypal. Is that mean i didn’t need virtual credit card to verify paypal? And how to add funds to paypal from Nepal? Does Payoneer can transfer funds to paypal? Is there any other process for transferring funds? This can be good topic if you provide and it will be useful to all of us.

    • Subigya Nepal May 7, 2013 / 11:42 am

      Raja, yes, if you follow the process properly, you will have a verified PayPal. You will not need a VCC. Nepal is not supported by PayPal. That’s why we have to select a different country while creating a PayPal account. As a result, you cannot add funds from Nepal on your PayPal account. The method is only useful to freelancers or people who make money online. By following the tutorial, they are able to get their hands on their money, which otherwise, would have just been piling up on their PayPal account. Payoneer cannot transfer funds to PayPal directly. However, if you signup on PayPal with a Nepali PayPal account, you can send funds to other PayPal account with your Payoneer MasterCard. (Nepali PayPal accounts can only send fund, they cannot receive any money.)

  34. Robik May 8, 2013 / 7:05 am

    Is it legal for a Nepali living in Nepal to use “USA” as country in Paypal account? Are their legal consequences?

    • Subigya Nepal May 8, 2013 / 8:32 am

      It’s legal but its against the Terms of Service of PayPal. There are not any legal consequences for this. The most PayPal can do is limit your account.

  35. Robik May 8, 2013 / 8:21 am

    Also, what if I need to deposit money to paypal? Which banks in Nepal offer International Debit cards, and can those cards be added to paypal?

    • Subigya Nepal May 8, 2013 / 8:39 am

      Robik, please note that this method is only useful to freelancers who make money online. A Nepali PayPal account is allowed to send payments, its just not allowed to receive one. So, if you have an international debit card issued from Nepali banks, you can use it to verify your Nepali PayPal account. Or, you can use your Payoneer MasterCard as well. So, US Payment Service can be used to verify one PayPal to receive payments, whereas an international card can be used to verify another PayPal of Nepal. As you cannot add an International Debit Card of one country to a PayPal of another country, you cannot deposit money from Nepal on the PayPal of a separate country. You’d have to create two PayPals; one for sending and one for receiving (which is against PayPal’s TOS as well).

      • Robik May 8, 2013 / 9:41 am

        Yeah… I have been searching a lot on google but I can’t find a Nepali bank which issues International Debit Card (NOT Credit Card). I need one for android developer account. Do you know of any Nepali bank which issues International debit card?

  36. Robik May 8, 2013 / 9:37 am

    That’s a relief :-)

    • Subigya Nepal May 8, 2013 / 11:05 am

      A simple “International debit card in Nepal” search query resulted in lots of Nepali banks (Sunrise, BOK, Siddhartha, Macchapuchre etc) that provide International debit cards. But, its not easy to get an International Card in Nepal. There are lots of requirements (check out the site of the banks), and it is not suitable for general public.

  37. Robik Shrestha May 8, 2013 / 4:00 pm

    I had looked into those banks earlier. The requirements for some of them are almost impossible to fulfill for me as of right now.

    Requirement for Sunrise bank, Macchapuchre: Valid Visa and Confirmed Air Ticket for travelling abroad. (uhhh what? Why should I get an air ticket to get a debit card?)

    Bank Of Kathmandu and Siddhartha Bank: I can’t find such requirements in the site, but I can’t download their forms either. Gotta visit their office.


    It states: “You can benefit from our International card if you are frequent traveler as it prevents hassles of foreign exchange.” I will ask them this week if they offer International debit card.

    So I guess there is some chance with at least 3 banks.

  38. Withdraw Options! May 9, 2013 / 1:14 am

    Well, I am a freelancer and I’d like to know how to withdraw the money from my PayPal or the Payoneer MASTER Card! Thanks in advance!

  39. Dorje May 15, 2013 / 4:53 am

    Hey bro can we use USA as a country of residence while signing up for paypal

    • Subigya Nepal May 15, 2013 / 8:20 am

      Yes, you may. But, note that you cannot send payment from a US PayPal account unless it is verified.

  40. sagar May 17, 2013 / 6:11 pm

    we can chose country china ? in paypal account?

  41. sagar May 18, 2013 / 4:23 pm

    from which  site I can work data entry ? which types of work are good  ?

  42. ADAM WITAL May 19, 2013 / 10:41 am

    Hey dude


    How much can i withdraw from Perm Limited 180 days ago Account

    I have paynoor account and card


    i hope you havesome experience on this :)

    well i wil try to buy few bucks


  43. tej bista May 29, 2013 / 6:13 pm

    I have a payoneer card . i look backside of the payoneer card there is written that   something like  do a signature on it. but i am confused where to make a signature on mastercard ? plz reply fast

    • Subigya Nepal May 29, 2013 / 6:23 pm

      Tej, it’s not necessary to sign on the card. While doing offline transactions, a merchant might compare the signature on the card and on your receipt to make sure that you are the owner of the card (and that it isn’t stolen). But, most of the merchants do not check it. In fact, I do not sign it because I just feel like if you do sign your card, anyone who steals it will get a sample of your signature. Nonetheless, if you want to, you can sign on the white stripe just below the text : Authorized Signature. Do you see your card number on a stripe on the back side? You have to sign on the empty part just before the card number.

  44. binod pangeni May 31, 2013 / 9:54 am


    I have a payoneer mastercard. I am having trouble using it. I closed my old paypal with nepal address and create new with united states address. but before tryin to using payoneer card on online it says my card is not authorized. that was happen when i tried to claim my money from facebook. now if i link my bank account on paypal. can i use my use my mastercard? and can i get money from other mastercards?


  45. tej bista June 1, 2013 / 2:05 am

    Can we withdraw money without signing it from atm machines ?

    • Subigya Nepal June 1, 2013 / 8:38 am

      Yes. You do not need to sign the card in order to use it on an ATM.

  46. tej bista June 1, 2013 / 2:07 pm

    what is the actual rate for withdrawing from SBI bank . How many amount does it take .?

    • Subigya Nepal June 1, 2013 / 3:00 pm

      $3.15 + 3% of withdrawal amount. If you withdraw 1000, you will be charged $3.15 + 3% of 1000.

  47. Nj June 1, 2013 / 10:10 pm

    Hey Subigya, first of all, you are doing a wonderful job out here.

    I am expecting my Payoneer card to arrive this week. Did the people from the post office deliver it to your home? I have some doubts if the people will be delivering it to my house or not. Tell me about your experience, did you get a phone call from postal office, or anything like that? And can you tell me what was written in the envelop of the card they sent you? Any address or reference number? One guy from the post-office asked me where was it from, n I couldn’t tell him about it. Just help me out, will you?

    The other thing I want to ask you is about Skrill (MoneyBookers). Do you have experience or do you know about it? Could you tell me the importance of it in Nepal? How could I withdraw money from it and about the charges. I don’t really know a thing about Skrill so I don’t even know if my question makes any sense :)

    Cheers, Best of luck for you blog.. :)

    • Subigya Nepal June 2, 2013 / 12:12 pm

      Yes, the card was delivered to me at my home. I had commented about the process here. Although its for separate item, the process is same for receiving the Payoneer Card as well. The address on the envelope was :
      PAYONEER Inc
      410 Park Avenue – 15th Floor
      New York, NY 10022

      I wonder why they asked for the address. Since the mail is sent to your address, there is no need of it. I have never been asked for the sender’s address.

      Skrill supports more country than PayPal does but very less number of people use it. I do have an account, but I do not use it, frankly because no one I know accepts payments from Skrill. It can be verified in Nepal; that’s why it is important to guys here. You can withdraw money to your bank account as well. Since the money can be directly received in your bank account, I have seen people use it for big transactions like while selling websites. However, I have not used it for any transaction, so I am afraid I cannot be of much help to you. Thank you!

      • Nj Aryal June 5, 2013 / 7:11 am


        I just wanted to ask you, did you receive the mail(card) in time that was mentioned in the mail they send you about expected card arrival date? Its already been more than a week and I have yet to receive the card. Do I only apply for US Payment Service after I receive the card or could I apply for it now?

        • Subigya Nepal June 5, 2013 / 1:40 pm

          I did not receive the card the first time I ordered it. I waited for almost one and a half months and then told them about it. They sent a new card and I received it in about a month. It was a week or two late than the time mentioned on their email. Generally, it takes 20-40 days for mails to arrive here. I have still not received the first mail, however. :D

          Wait for 40 days at most, and if you still don’t get it, re-order the card. You can apply for US Payment Service after receiving your card. What will you do by applying for it if you don’t receive your card at all? So, wait.

          • Nj Aryal June 5, 2013 / 4:43 pm

            Reordering takes extra charges, right? :)
            Did you request a DHL for the second mail or through an ordinary mail? Paisa nikalna hatar bhayo.. haha

            I wanted to apply for US Payment Service for the fun ;)

          • Subigya Nepal June 5, 2013 / 6:20 pm

            No, it doesn’t. Since they had sent it for free the first time, they’ll send it for free the second time as well. I didn’t request to have it sent via DHL, so they sent it via regular mail – for free. I’m sure you’d receive it soon.

  48. sunil June 4, 2013 / 7:04 pm

    sir, i fill up form but my request is not accepted due to post office box reason.I am from outside valley and living here in by taking flat. and here is not PObox. so what is solution ? can I use your P.O.Box ? please help me

    • Subigya Nepal June 4, 2013 / 7:19 pm

      Sunil, enter 00977 as your PO Box and also, mention that you don’t have a Post Box. I had done the same while ordering my card, and it had worked for me. Sorry, you cannot use my postal box. You can either get your own or put your home address (don’t forget to put your ward no. and house no.). Let me know how it goes.

      • Niraj Aryal (Nj Aryal) June 4, 2013 / 7:34 pm

        Yes, like Subigya said, there isn’t any compulsion regarding the requirement of a PO Box. You probably wanted to ask about Postal Code/Zip code.

        I live in Kathmandu so I have always used my postal code as 44600. Have heard that people use 00977 too and it works fine as well. For more info about the specific postal code of your city, you could look into either of the following links.

        have fun :)

      • sunil June 5, 2013 / 4:37 pm

        thank you.

  49. Dorje June 6, 2013 / 3:38 pm

    Hi again
    Actually the problem is i forgot my shipping address. I dont know which shipping address i had put while i was signing up for the card. Totally confused. So i did search about it and asked help from the payoneer team . They replied me as by a automated email without any info So i am helpless right now waiting for my card to be shipped in nowhere. haha..
    So do u know any procedure to change the shipping address or eventually i have to order a new card by using my friends PO box.
    Eagerly waiting for your response and for the lost card.

    • Subigya Nepal June 8, 2013 / 7:55 pm

      Hi Dorje, Sorry for the late reply. I’m sure you’d receive a human response if you follow up with the automated email. That’s what happened to me earlier. How long do you think it has been since you ordered your card? If its more than 40 days and you are still unsure about your shipping address, you should tell them that you have not received your card yet. They will ask you for a new shipping address in order to send a new card. If its too soon, then continue following up with the Payoneer customer support, I’m sure they will provide you the address.

  50. Biut Raj Thapa June 9, 2013 / 6:26 am

    So, will I be charged extra if I use it on a POS ??

    • Subigya Nepal June 9, 2013 / 6:31 am

      As per the information posted on Payoneer, you will be charged less than ATM withdrawal fee when you use it on a POS. ATM charges you 3.15$ + 3% currency conversion fee, whereas POS will charge you 3% currency conversion fee only (not the extra 3.15$).

  51. Biut Raj Thapa June 9, 2013 / 6:34 am

    How much do local Nepali banks charge ?

    • Subigya Nepal June 9, 2013 / 6:39 am

      Nepal SBI and Standard Chartered = $3.15 + 3% currency conversion fee. I’m not sure about others because I have not used any other banks’ ATM. But, as far as I know, these two are the only banks that do not charge extra fee for using their ATM. Other banks like Himalayan will charge you Rs. 400 (per transaction) extra just for using their ATM.

  52. Biut Raj Thapa June 9, 2013 / 6:40 am

    I mean for POS ,not ATM

    • Subigya Nepal June 9, 2013 / 6:51 am

      I had already said Payoneer charges 3% currency conversion fee for POS transactions. If you spend Rs. 1000 on POS transactions, you will be charged Rs. 1030 by Payoneer. I don’t know how much fees are taken for using local bank’s card on POS systems.

  53. Biut Raj Thapa June 9, 2013 / 6:52 am

    Thanx for the info. :)

  54. Dorje June 9, 2013 / 2:24 pm

    Should i use the normal address or the po box for shipping if i ask them to ship the card once again ?
    Actually in our area there is no solid address for shipping purposes. So dont want to use it.
    But i have a PO box . so can i get my card easily from the po box.

    • Subigya Nepal June 9, 2013 / 3:31 pm

      Yes, I’d recommend you to use a PO BOX. There’s more chance of receiving mails on PO BOX than on your home address, I think.

  55. Dorje June 9, 2013 / 2:28 pm

    Hey. Do they call us in our mobile for confirmation or verification ?

  56. Dorje June 13, 2013 / 2:55 pm

    HI again
    i received the email from the support. They said that my card is shipped to my place. However if i want to order a new card then i have to pay a replacement fee of $12.95 and then they will ship the new card to new shipping adrress.
    So want to know that how do i order a new card without paying money as i have reached the date of shipping of my card , and i guess i almost have lost the card due to my fault.
    Also did they shipped your card directly to you without any confirmation ? I mean they dont take any security measure for that.
    One last dumb question bro – How would i know that my card has been shipped back or freezed due to wrong shipping address ? haha but seriously is there any way to know that thing ?

    • Nj June 15, 2013 / 4:01 pm

      Just do one thing, don’t get into explaining that it was your fault of giving a wrong address. Telling them it was your mistake gives them a reason to charge you $12.95 for a new card. My card was due to arrive last week of July but I did not receive the card. Rather than sending a mail(which rarely gets replied by Payoneer), I talked to the support in live chat(which is only available in week days) and told them the card never arrived and asked them to send me a new card as soon as possible. They told me wait and contact them after a week and shipped a new card without any extra fee after I contacted them again. Plus, they asked me a shipping address and I gave them a new one which was more reliable. I guess you get my point…

      Just be confident when you tell them the card was never delivered to the place it was intended! I think they use a simple regular mail which doesn’t provide the information to sender that the mail has arrived the destination! So there is no way they would know if the mail has been delivered or not!

      I guess Subigya can tell you more about it..

      Have fun ;)

  57. kshitiz June 14, 2013 / 9:23 am

    hi subigya,
    my question is do we need to already have an account on US bank or it is atuomaticaly created after clicking on US payment service.thankx

    • Subigya Nepal June 15, 2013 / 3:38 pm

      Kshitiz, you don’t need to have an US account; it’s automatically created for you.

  58. Dorje June 16, 2013 / 4:19 am

    Thanks NJ for yours insights
    Well they replied me for the lost card inquiry and said i can order the new card free of charge . So just going to apply for it again with a new shipping address
    Thanks again buddy

  59. Nj June 17, 2013 / 9:06 am


    Did you try using the NABIL ATM like someone suggested? Is there anyone who has used the NABIL ATM for payoneer master card?

    • Subigya Nepal June 18, 2013 / 4:34 pm

      Sorry, haven’t tried yet. I don’t make so much money to try and withdraw from Nabil. I’m satisfied with what SBI bank and Standard Chartered offer.

  60. Shankar Gautam June 17, 2013 / 3:48 pm

    Hi! Subigya, i’m from Janakpur, i successfully receive my Payoneer Master Card. I have money in my Paypal account & i desire to withdraw from Standard Chartered Bank as per your information. I’m curious about to know how much does it cost for opening account in Standard Chartered Bank? And which card does the Bank provide? I mean for my Payoneer Master Card does i have to receive Master Card or Debit Card or Credit Card from SCB?

    • Subigya Nepal June 18, 2013 / 4:32 pm

      You don’t need to open an account on the bank to withdraw money from Payoneer. You also don’t need to get a card from the bank. Simply use the Payoneer card to withdraw money from ATMs of Standard Chartered or SBI bank.

  61. Rajendra Rana Magar June 27, 2013 / 12:32 pm

    Hi Guys,

    Can any body explain how to write shipping address and does they send me into post box if I provide my post box address. Plus how much time will it take to arrive.


    • Subigya Nepal June 29, 2013 / 9:56 am

      Hi Rajendra,

      Sorry for the late reply. You can use your post box. In fact, I’d recommend you to use your post box instead of your home address. This is how you write your address :
      PO Box Number
      City’s Name, District’s Name
      Zone’s Name

      You should receive the card in 20-40 days. Thanks.

      • Rajendra Rana Magar June 29, 2013 / 1:46 pm

        Thank you so much. This blog really save my life, my money was stock in paypal. By reading your post I found is helpful. Hopefully now I can create next paypal a/c and transfer money from my old paypal account( country written Nepal) And finally through Payoneer. Good work guys keep it up.
        Just waiting card to come my home. Hope every thing will be alright.

        • Subigya Nepal July 1, 2013 / 7:07 am


          A Nepali PayPal account cannot receive money, it can only be used to send funds. If your old PayPal account was created by selecting Nepal as your country, you cannot receive any money on that account.

  62. Mahima Bajracharya June 30, 2013 / 4:32 am

    Hi Subigya ji, i am interested to open paypal to do freelancing work but i am quite confused bcoz you said DO NOT CREATE PP SELECTING NEPAL AS YOUR COUNTRY! AND MAKE SURE TO USE YOUR REAL NAME! but to fulfill paypal a/c in the beginning they will asked our country then what to do?? pls give suggestion. i am from Ktm.

    • Subigya Nepal July 1, 2013 / 7:23 am

      Hi Mahima,

      If you create a PayPal account selecting Nepal as your country, you won’t be able to receive any money on the account. You will only be able to send funds. That’s why I have said so.

      Since we are going to create an account of another country (for ex. Canada), but use it on a different country (i.e Nepal), the account is going to be limited by PayPal sooner or later. PayPal will then require you to verify your telephone, address etc. to confirm that you are who you say you are. So, in that case, we won’t be able to provide any kind of proof to PayPal. So, the method is risky as well. But, as long as you don’t get limited, you can at least get the money here. The only safe way is to create both PayPal and Payoneer account in the name of any of your relatives who are abroad. That way, the PayPal account will have valid address/telephone information of your relative, and in case, PayPal asks for verification documents, you can just request your relative to submit it. Let me know if you have any further questions. Thanks.

      • ashis gautam February 1, 2017 / 5:52 pm

        recieve even from paypal?

  63. rajan lamsal July 7, 2013 / 5:50 pm

    subigya, we are getting very useful information from you regarding money
    transfer.thank u so much for this. I have a query that i ordered master card by
    signing up.they said that it will b shipped between 18 Jul 2013 and 25 Jul
    2013.but while signing up i only used my citizenship no. becoz they didn’t
    ordered to attach.but in my next mail they gave a/c no. routing no. and below
    this they gave me

    “Note: Your US Payment Service has not yet been verified. All payments
    received using the service may not be funded to your card until you have
    completed the verification process.

    To verify this service and begin receiving payments:

    Click here to complete the US Payment Service Questionnaire

    Submit a copy of your government-issued photo ID Here

    above is copied from my, should
    i verify it doing above thing or

    wait for card
    as suggested by u? but I m in confusion that I have not send my citizenship
    document scanned copy and they say that
    my Payoneer Prepaid Debit MasterCard® card order has
    been I need to send?how?please suggest me.

    • Subigya Nepal July 8, 2013 / 7:41 pm

      Rajan, there’s no use of verifying your US payment service before receiving the card as you won’t be able to withdraw the money without it. If you’d like to verify it anyway, there’s no problem. Just answer the questionnaire; they ask you about where your earning comes from. And then submit the photocopy of the citizenship.

      Since the citizenship number you had given earlier and the one on the photocopy will match, there should not be any problem.

      • rajan lamsal July 10, 2013 / 5:05 pm

        thank u subigya.I m getting a lot information from the comments from this site.

        I have one query that if we make paypal account using country as USA, we need to provide email address.if we give our original,they don’t know about our actual country immediately? in that case, what we should do? and also if we signup for paypal what amount is needed to deposit at first?just like payoneer, this has also yearly payment? please suggest me.

        • Subigya Nepal July 11, 2013 / 6:22 am

          PayPal won’t know your actual country from your email address. But, later when you start using the USA PayPal, they will be able to track the details of your account and they will know that you have been accessing the PayPal account from Nepal. After that, your account might get limited at anytime, and you won’t be able to use it anymore. That’s the risk involved.

          PayPal does not charge monthly/yearly fee. It charges fee per transaction. There is no minimum amount you need to deposit.

  64. Robik Shrestha July 8, 2013 / 4:50 am

    My problem is a bit different in that I intend to deposit money into US account rather than withdraw it. I am thinking of ordering Payoneer card, creating US bank account and then using Western Union Money Transfer to deposit money. Then I might be able to use that credit card for online purchase.
    Have you tried this? Will it work?

      • Robik Shrestha July 9, 2013 / 5:06 am

        Now this is really frustrating :-(.

        The only other alternative I see is asking my friend at US to load some money to my payoneer card.

        Also, I thought I could easily get a credit card here in Nepal. I went to get a credit card in NIBL but they said I need a dollar account with a dollar source. My account is NPR. Again, really irritating.

        There is gotta be some way to deposit money or get a credit card from some other place which doesn’t require dollar account. Do you have any idea?

        May be I should start inquiring every bank here in Kathmandu, since they don’t respond to emails.

        • Subigya Nepal July 9, 2013 / 6:35 pm

          It’s difficult to get international cards from Local banks.

          I can think of three possible ways:
          1> Join Nepali E-currency Exchange groups on Facebook. There are plenty of those. You can ask users to send money to your Payoneer account or PayPal account directly and pay them in cash.

          2> Use something like to fund your PayPal account, and then withdraw it to your Payoneer account.

          3> Your PayPal might get limited at some point, so the risk-free thing to do is, join a Payoneer partner, for example Create a Gig of 50$. Then, ask or online exchangers to buy your Gig instead of making payment to your PayPal. Withdraw the earning to your Payoneer Card from SeoClerks. But the fees will be high. SeoClerks charges 20% per Gig, and then again withdrawal fee. Payoneer will also charge load fee. Lots of fees, although its a safe method.

          • Robik Shrestha July 10, 2013 / 4:12 am

            Thanks for your reply. I am sad that things are so complicated in Nepal. These restrictions prevent developers like us from buying/ selling online.

            I might have to go with your solution #2 or #3. For now, I am checking this service:

  65. prasiddha acharya July 8, 2013 / 3:16 pm

    Dear Subigya and all paypal users in Nepal,

    Looking at the responses at this post, to address the problem of most of the paypal users in nepal, I have comeup with new paypal withdrawal service in Nepal which would make whole process faster and easier. We accept both verified and unverified paypal accounts. And the service charges is also low. For more details you can visit the link:

    I am looking forward to your feedback regarding our service as a whole and the service charges.

    • Robik Shrestha July 9, 2013 / 5:11 am

      Firstly, nice service! It is going to solve problems of many freelancers.

      But, what about the other case: depositing money in paypal account?

      Do you offer a service where we pay you in person or via e-banking and you transfer balance to our paypal account or payoneer credit card? There are many of us who want an android developer account and need credit card with 25$ to get it.
      Such a service would be a fairy tale for developers like us.

      • prasiddha acharya July 9, 2013 / 2:16 pm

        Sorry, currently I can’t make any such arrangements, but I will surely try to figure out what I can do in this regard.

        • Robik Shrestha July 10, 2013 / 3:20 am

          Thank you. Hope there will be some service to solve my problem.

  66. Subash August 3, 2013 / 3:33 am

    Wow it worked. Thanks I love you man. I actually created the account for my dad who lives in Dubai so no problem of post offices and it took only 7 days to complete all the process.

  67. Sunil Shrestha August 16, 2013 / 2:55 am

    I have not receieved my card until now….it has been really long,when i ask Payoneer it ask for to deposit the amount,

    This is the sincere request if you could send the amount to my payoneer email id:,once the transfer is made, I will transfer to your paypal account asap.

    also, could you provide me the po box i need to get that card in your po box if possible.

    thank you

    • Subigya Nepal August 16, 2013 / 4:36 am

      Sunil, I’m afraid I cannot let you use my PO Box. Why do you need to use mine when you can get your own? You can get a PO Box for Rs. 1000 (Safety Deposit) + Rs. 750. I don’t know if they have increased the price this year.

      Also, you don’t need to receive the card in order to activate your US payment service. Just login to your Payoneer account, activate the US payment service and use it to transfer the money from your PayPal to Payoneer. So, if you have a PayPal account with money, you can fund your Payoneer account yourself without receiving the card. That way, I don’t need to send money to your Payoneer, either.

      Good luck.

      • Sunil Shrestha August 16, 2013 / 4:57 am

        Thank you for your reply.

        I do have have created the Paypal account with the address other than Nepal.It is not verified with the US payment service provided by the Payonner with the routing number and US bank account although It says US payment service is active.

        How to fund my payoneer account if verified later with the us bank account? and How to get a card number then?

        Thank you

      • Sunil Shrestha August 16, 2013 / 5:11 am

        I cannnot add bank details provided by Payoneer in the paypal

        how to transfer fund from paypal to payonner

  68. Rohit Sthapit August 17, 2013 / 4:30 pm

    You said not to choose Nepal as your country but paypal automatically sets it to Nepal ?? How can we change that ? Do i need to hide my IP ?

    • Subigya Nepal August 18, 2013 / 4:53 pm

      It does let you choose any country while signing up. I don’t know what you are trying to do, but when I click on the Sign up button on Paypal, it lets me choose any country from a drop-down list.

  69. Sunil Shrestha August 18, 2013 / 4:34 am

    does the Paypal deposited amount will be shown in the payoneer payment transaction, usually how many days it takes?

    • Subigya Nepal August 18, 2013 / 4:56 pm

      Have you even read the post? You are asking questions that have already been answered on the post. To answer it again, it takes anywhere from 3-7 days for the amount to show up on your Payoneer account.

  70. Rajan Lamsal August 22, 2013 / 6:03 pm

    subigya ji, Can we get referral award i.e $25 per each referral through payoneer?Is it really for US citizens or whole world. If it is true then what is the criteria for getting? do we get award by making signing up referrals or need to do extra?
    Another query is that how can we send money to payoneer account?
    Can we earn money online through paypal by sending money there? is it safe to send money in fake paypal(country listed as US)?
    Thank you for your previous support.

    • Subigya Nepal August 23, 2013 / 4:05 pm


      In order to get $25 referral award, your referrals need to load their card with at least 100$. Both you and your referral will get $25 after 30 days of loading at least $100 on their card. Note that they need not load $100 at once, they can load small amounts which lead up to $100 at some point. And its available for all the Payoneer card holders; there’s no restriction based on country. There’s not much criteria, just copy the link and share it. Make sure you don’t cloak the link though, use the same link they’ve given you. Don’t use URL shortner or any such stuff, it’s against Payoneer’s Refer-a-Friend program policies.

      Regarding loading your Payoneer account, please read all the comments here, you’ll find a wealth of info. Anyway, I’ll just list all the ways of loading your card : 1> Via Partners, 2>Payoneer Card to card transfer 3>Us Payment Service 4>Direct load from other Mastercards & Visa. Read other comments for details.

      To tell you the truth, it is not safe to send money to a PayPal of a different country since lying about your country of origin is against PayPal’s policy and might get you limited at any time. Thank you.

  71. Suman Adhikari September 26, 2013 / 4:30 am

    Hey bro…

    I recently looked at the Payoneer Mastercard Section!!

    Can you help me with the mailing address stuffs…

    Cuz its confusing!!

    First time so…also the time is 30 days to recieve card in Nepal!

    • Subigya Nepal September 26, 2013 / 11:43 am

      If you have a post box, you can use your post box. If you don’t, use your home address instead. This is how you write your address :

      Address 1 (i.e. your place’s name), Ward No: , House No:
      Address 2 (i.e. street name etc)
      City’s Name, District’s Name
      Zone’s Name

      If you have your post box, enter your Post box number instead of Address 1 and 2.

      The general time-frame to receive the card is 20-40 days. But, nothing can be said for sure about our postal service. So, it can take longer than that. Thank you.

  72. Ravin October 25, 2013 / 4:50 pm

    I Found That To Verify Paypal Account ,First We Should Earn Money from Payoneer Partner Site Then We Need Certain Money Value In Our Payoneer Master Card. Can You Please Clarify This?

    • Subigya Nepal October 27, 2013 / 7:08 pm

      Hi Ravin,

      You can verify two PayPal accounts by following the method. By using the bank account details provided from US payment service, you can verify a US ( or foreign) PayPal and by using your Payoneer MasterCard details, you can verify a Nepali PayPal account (which can only be used to send money). PayPal verification via Bank account does not require any money to be loaded in your Payoneer MasterCard, whereas if you wish to verify PayPal by using your MasterCard details (as opposed to bank details), you need to have certain money on the card (as PayPal will charge some money for authentication purpose). Also, if you order a card by signing up from a Partner site, you have some activation fees involved, which means, you may not be able to make use of the US payment service, unless you activate your card by withdrawing some certain amount of money from the partner site. Whereas, if you order the card directly from payoneer, you should be able to verify your PayPal account (by using bank details), without loading any money on it.

  73. Roshan October 25, 2013 / 5:26 pm

    Hi bro,



    • Subigya Nepal October 27, 2013 / 7:17 pm

      Roshan, you cannot link PayPal to a bank account in Nepal. PayPal does not support Nepal. The most you can do is create a Nepali PayPal account using your international card (for eg. Payoneer MasterCard), which can only be used to send payments from your card. Again, the card cannot be loaded from bank accounts in Nepal, so even if you want to make payments from PayPal, you need to be someone who makes money online. Please read the post above to learn how to get a mastercard; everything from getting a mastercard to verifying PayPal and withdrawing money from it is mentioned above. The above post deals with creating a PayPal of a separate country with US bank details so that we can withdraw the money in Nepal. But, if you want to create a Nepali PayPal account (which can only be used to send payments, i.e. cannot receive), you can follow the directions here. Both of the process require you to have a Payoneer MasterCard, so you should follow the directions above, get yourself a Payoneer Mastercard, and then follow the other steps when you finally receive the card. Thank you.

  74. prajwal November 27, 2013 / 2:34 pm

    he subigya great post , everything is easy , but i have one question though

    how to verify your paypal accout.. since it asks for a adress and phone number, even if i made a fake adress… i can’t make a fake phone number … i think they will send a verification code to the phone right?…. and how much chance is there that my account will freeze by paypal?

    • Subigya Nepal December 7, 2013 / 5:52 pm

      Prajwal, they won’t send verification code immediately. Phone verification will only be asked for, later on if your account gets limited. I cannot really say about the chance of getting limited (or freezed, the same thing) because there’s no way we can be certain of it. There are different factors involved, for each thing that you do the suspicion level increases on PayPal, and at some point, when the flag raises high enough, they will ask for verifications. For some, the account might get limited pretty soon, but for some it might take a lot of time. We can’t really be sure of anything besides of the fact that you WILL get limited some day – it’s just a matter of time. Risky, always.

  75. VG November 28, 2013 / 3:49 am

    Hello Subigya,

    I didnot see “Send. Receive. Withdraw” country in paypal website link you have provided above but countries are listed as in their continent.
    Is Nepal is valid to send receive and withdraw from paypal?
    I am confused what to do?

    Thank you

    • Subigya Nepal December 7, 2013 / 5:45 pm

      Sorry for the late reply. It seems like PayPal has removed the list. Nepali PayPal account can only be used to send payments. I’d therefore recommend you to use either US or Canada as your country of residence while creating the PayPal account.

      • Gian pandey December 19, 2013 / 6:16 am

        i am an indian national and i am currently living and working in nepal. so can i use this option or not… plz help

        • Subigya Nepal January 4, 2014 / 4:22 pm

          You can, as long as you live in Nepal. Payoneer card cannot be used in India. Indian Reserve Bank has a rule which does not allow any foreign company (which does not have a branch in India) to indulge in such financial activities. But, you should be able to apply to Payoneer from Nepal, and receive it here itself. Do ask the question to Payoneer support to confirm it though. Good luck and sorry for the late reply.

  76. Gian pandey December 18, 2013 / 1:06 pm

    i can join too … i am an indian national currently working in nepal…
    plz reply

  77. krishna December 31, 2013 / 1:32 am

    Hlw subigya.recently i had signed up to payoneer with my address:
    panga dobato,kirtipur,nepal .n in postal code44618..addrs line2 was empty.n i hav got mail saying incomplete addres.what 2 include in complete addrs?cant i get it via postal code?also,where 2 upload the scand ctizncp?via mail?plz answr me..i wud be hapy if i get ur mail.,thanx in advance..

    • Subigya Nepal January 4, 2014 / 4:19 pm

      You need to write your house no. and ward no., without which the mail cannot be delivered to your home. If you don’t have a house number, but have access to a post box, you can just provide your post box number instead. You only need to submit citizenship if they ask for it. When the time comes to provide your citizenship, you can e-mail it or upload it on their site.

  78. Roshan January 11, 2014 / 9:06 am

    Dear subogya,

    I signed up both paypal and Payoneer account,I don’t think I can do much to receive paypal card,So I signed up with Payoneer they were supposed to deliver my card before 4th of December,I didn’t receive the card so I thought it was fake,So now I receive mail about activating my card,they always say they have noticed that I have received a card so they want me to activate it,So can you please suggest me.What d be the best idea to receive the card,

    Warm regards,
    Roshan Gautam

    • Subigya Nepal January 11, 2014 / 10:39 am

      Roshan, the postal service of Nepal is to be blamed. Anyway, if you haven’t still received the card, you can contact Payoneer (I think you can reply back to Payoneer on the same email, or you can go to and contact them from there.) You can tell them that you haven’t received your card yet, and then they’ll send you the card once again. This time though, give your PO Box number instead of your house no./ward no. Either get your own Po Box, or ask for a friends, or use the one of your school/college/organization etc. The card will get delivered to the PO Box, but it might not get delivered to your home address. That’s why I always recommend everyone to provide PO Box number instead of home address. Let me know if you have any queries. Thanks!

  79. bigyan January 17, 2014 / 7:02 pm

    i had already created paypal account and there is nepal as a country how can i change the country now? i have to create other paypal account please help me. thank you

    • Subigya Nepal January 21, 2014 / 2:39 pm

      You cannot change the country on your old PayPal. You need to create a new one selecting US as your country.

      • bigyan January 21, 2014 / 5:35 pm

        i have submitted my citizenship scan copy to payoneer which is in Nepali do i get the card or need to send in english. They have not said any about that and had message saying it will be shiped till 18th of feb please help me

        • Subigya Nepal January 22, 2014 / 9:33 am

          They accept it. Documents need not be in English language.

          • bigyan January 24, 2014 / 2:33 pm

            i have given the home address that is i am at Rolpa and can i get card to home ? i do not have po box so should i have to create po box or not and what should do to that process please kindly inform be some steps thank you

          • Subigya Nepal January 24, 2014 / 2:52 pm

            Bigyan, I can’t really say whether you will receive it at your home in Rolpa or not. I did receive it at my home, in Kathmandu. I would request you to go to the post office near to you and inquire about it. I’m sorry I could not be of much help.

            In order to get my own PO Box, I went to the post office and filled up a form which they provided. I had to provide one of my photo(?) and stick a Rs.10 ticket on the form that I filled earlier, and then I submitted it to the concerned officer. He then provided me with a identity card, and a key which I took to a locksmith to get configured. That’s it. He charged me Rs. 750 (yearly fee) + Rs.1000 (security deposit; one time).

  80. VG February 4, 2014 / 1:40 am

    I got following message when client pay for my web work in PayPal. Is there any faster way to move paid amount in available balance.

    “Payments you receive from buyers will be in your pending balance and temporarily unavailable. This money will be moved to your available balance and released to you within 21 days (as long as there are no problems with your orders). See your funds availability details.”

    Thank you

    • Subigya Nepal February 7, 2014 / 3:08 pm

      Hi Vaskar, sorry for the late reply. PayPal seems to impose this limit on new verified accounts belonging to US. I had the same problem for two months I think. If you look into how to remove this limit, it says that you need to upload proof of identity etc, which is obviously not possible for you to do. So, I’m afraid there’s nothing you can do besides waiting. As you go on performing transactions with no issue, the limit will be automatically lifted. By the way, if you go to the details page of the transaction and mark it as a “No-shipping purchase” or something like that, which basically means that no shipping is required for the order, then the client who paid you can see a link to confirm payment or something like that on his PayPal account or on his email (I’m not sure which one.) You can receive the payment early (not having to wait for 21 days) if your client clicks on that link and confirms that you have already completed the task (which did not require any kind of shipping). Also, if you do decide to wait instead, the waiting time is usually 14 days, not 21 days. After 14 days, the fund will be available. Thank you.

  81. Aashish February 11, 2014 / 9:57 am

    Hi Subigya,
    I received my Payoneer card. I have a verified paypal india account and since RBI imposing that funds be transferred to linked account makes it virtually unusable. I want to create a US Paypal with address and phone number (probably would ask some of my friends there) and link the bank account and routing number from Payoneer to that. The thing that concerns me is whether there are chances that the account would get limited anytime soon? Any verification of that sort you know of till now?

    • Subigya Nepal February 18, 2014 / 1:41 pm

      Hi Ashish, sorry for the late reply. It cannot be said for sure as to how long the account will last without getting limited. They keep track of everything you do, and when the flag raises too high, and their bots find something suspicious, they simply limit your account and ask for documents. So, it’s difficult to say how long it will last since it all depends on how you use your account. My account has lasted for almost a year now, whereas some of my friends have been limited within a month. Even then, I think you need not be afraid. Since you are asking your friends to provide their info, you can just provide their documents to verify the identity and your limit will be lifted. There’s nothing you have got to worry about.

      • nassim mohamed February 22, 2014 / 11:19 pm


  82. santosh February 23, 2014 / 10:55 pm

    Subigya Nepal, i just did as u described in ur post for applying payoneer card bt after signup it said to login n i i received a email saying “Your recent application for the Payoneer Prepaid Debit MasterCard® card has been declined.” Now im not getting into my account because it is blocked..plz help me..
    email me bro

    • Subigya Nepal March 1, 2014 / 5:07 am

      How can you be blocked if you haven’t been accepted at all? Please try re-applying.

  83. Bipin Paul February 27, 2014 / 1:30 pm

    I am from NEPAL
    But curently living in INDIA for Study….
    May get that card HERE in INDIA

    • Subigya Nepal March 1, 2014 / 5:07 am

      Payoneer does not send the card to India as RBI does not allow it. I don’t think it matters whether you are from India or not, they won’t simply ship it to any address in India.

      • Bipin Paul March 1, 2014 / 1:11 pm

        if i take post box in nepal?
        Then whats the cost of post box?
        N how may days it take to reach?

        • Subigya Nepal March 1, 2014 / 4:53 pm

          In Kathmandu, it costs Rs. 760 annually (plus, a one-time security deposit fee of Rs. 1000.) The post might take 20-40 days to reach here.

  84. Ravin Rai March 20, 2014 / 4:00 pm

    Hey ! I have got my Payoneer Card and tried to follow your suggestions as I want to verify Paypal Account. But I got confusion as payoneer have some changes in it’s page which are different from your snapshots. Here are things i got confused about:

    No.1 :
    You suggest this
    “At the end of the page, you should find a button that says something similar to Activate my US Payment Service . Click on it.
    You will then receive details of your own US Bank Account.”
    But I found that I have already got My US Payment Service Info with Routing Number and Bank Account Number with some picture of it.
    I haven’t yet click in activate US Payment Service[There is none such click area]. Do I have activate the service or not?

    No.2 :
    There is a pic looks like bank request with my Routing Number and Account Number in it and “VOID” stamp on it.
    What is that “VOID” for? I found void means invalid. What this suppose to mean?

    No.3 :
    I found there written something like this:
    ” We ask that you verify your service. In order to ensure that payments you receive are funded to your account without delay, you’ll need to verify your service by completing the requested items below.
    | Questionnaire: | Not Submitted | Click here to complete the US Payment Service Questionnaire |
    | ID Documents Uploaded: | Not Submitted | Click here to submit a copy of your government-issued photo ID | ”
    Do I have to verify my services with questionnaire and ID documents to use services?

    Please help me in this. I would be thankful.

    • Subigya Nepal March 20, 2014 / 5:33 pm

      1 : It is already activated nowadays. The instruction was created for older version, and I have not updated it.
      2 : Void means invalid, yes. I think its just there to show that the cheque-like looking thing is not real. You can use the routing number, and account number mentioned on it to verify your PayPal as explained on this post. It says void on all Payoneer accounts, don’t worry.
      3 : The first time you verify your PayPal using the account details, PayPal deposits some money on your account, and when you enter the deposited amount on PayPal, you get verified. At that time, Payoneer won’t ask you to verify your US payment service, but after that, once you start withdrawing to your virtual bank account, Payoneer will ask you to verify your US payment service in order to begin loading payments. So, yes, you do need to submit your ID document (the same document that you provided while signing up on Payoneer) and answer a very short questionnaire (asks you how you make money, and might even ask for proofs).

      Let me know if you have any more questions. Thanks.

      • Ravin Rai March 21, 2014 / 4:56 pm

        Thanks For Your Answer.
        But now i am asking more question about paypal registration.
        There is information form while registering Paypal. Fields like Address, Zip Code and Phone No.
        Can I fill my real address, zip code and mobile no. in those fields?
        OR blank fields can be submitted ?

        • Subigya Nepal March 22, 2014 / 2:45 am

          As I have mentioned on the post above, you need to signup selecting Canada or USA as your country. So, the information needs to be of the same country, not Nepal. Try

  85. Santosh April 4, 2014 / 9:50 am

    Hey Bro i have some quires to ask you. Some confusion . Please help me.

    1. If my paypal gets banned (in which i used payoneer us a/c to verify), Can i again create another paypal a/c and use the same us a/c provided by Payoneer to get verified again in paypal or do i need another us a/c.

    2. You told we can verify nepali paypal a/c that can only be use to buy things online not to recive money. Then how can we load money on that paypal a/c. Or is it that paypal use our card money that we use to verify, while buying something online.

    3. On paypal verified through Payoneer US a/c can we use it to send money or buy anything online or only to receive and withdraw money.

    4. while withdrawing the money from ATM do i require to withdraw the money in US$ or NRS. Because payoneer shows money in US $, while withdrawing from atm do i need to put amont in US$ or NEpali Rs and how they convert US$ currency in NRs. Because US$ and NRs currency exchange rate differ from day to day.

    5. Can someone can fund money directly on my Payoneer US a/c or master card through online or offline way.
    Ofline means : Just we do in Nepal. Deposition money on bank a/c.

    Online means : Depositing money on Master Card or US bank a/c through online.

    6. Is there any chance to get disable from Payoneer.

    Your reply will be highly expected

    • Subigya Nepal April 6, 2014 / 5:07 am

      1. You will need another US bank account. I have not tried it myself but some of my friends have, and they said that you can get a new bank account just by chatting with the live support of Payoneer.
      2. You won’t be loading your PayPal account, you will be loading your Payoneer account. PayPal will make the payment by using the balance on your Payoneer card.
      3. You can use it for any purpose.
      4. You cannot request payment in $ from ATM, you can only request in NRS. Payoneer have said that they use the foreign exchange rate determined by MasterCard, but this is something suspicious. I think this is where the bank gets it share of commission, because the forex rate is usually 2-3 rs. less than what Nepal Rastra Bank says it is. It might be because forex rate issued by MasterCard is less than the one issued by NRB.
      5. You cannot fund it offline. However, you can ask others to fund it online (via VISA/MasterCard) by going to This private load feature is not available to all. You have to load your card regularly via US payment service or partners in order to activate this feature. Regarding depositing via US bank account, although you can ask someone to deposit money to that bank account, it won’t get loaded onto your Payoneer card if it does not belong to the list of select companies that Payoneer has approved already. So, you cannot just ask anyone to deposit money on the bank account, the company has to be on Payoneer’s approved list of companies. Also, note that, Payoneer disapproves loading the card with personal payments, meaning, payments from friends, family etc. Payoneer has stated that the card is meant for loading payments from companies or employers, so you might get banned if you use it to load personal payments.
      6. There is always a chance.

      Thank you. Let me know if you have any other questions.

  86. Santosh April 6, 2014 / 5:24 am

    Thanks for your prompt reply.

    I will surely ask you if i got some problem.

    Thanks again


  87. krishna April 13, 2014 / 7:17 am

    hi subigya i tried to create a new paypal with addtess of usa and canada.but it asks for phone number and addresses to get rid of it? what to put as phone number?
    which country is best t0 use for sign up?

  88. Namgyal April 18, 2014 / 10:04 am

    I wonder how it works because it didn’t work for me. Instead it ruined both my paypal and payoneer account. I couldn’t get my account verified. I got paid for my design from a Japanese company but I couldn’t withdraw the money. Finally I decided to contact customer care center. They asked me to change my password for security reason. I did it. The moment I change the password was the worst thing. It said “your password has been changed from a different location.” Now It asks for the proof of my identity. The problem is… as this blog suggests us not to create the paypal account with the address of Nepal, I created it with Cyprus as my residential place. Now I can’t upload my id or any document since I’m not from Cyprus. So, the money has just got frozen their in my paypal account. I can just see it but do nothing to it because it says my account is limited. The worse thing is… I had linked my payoneer’s bank account to this account. So, I can’t even link my payoneer to a new paypal account. It doesn’t allow me to close the account because of the limitation. I’m just stuck and can’t get anywhere. :(

    • Subigya Nepal April 30, 2014 / 11:15 am

      I’m sorry Namgyal. It is a risky process. But, you can get a new bank account from Payoneer by asking for it in the live support. My friends have gotten a new one that way. You can then link it to a new PayPal. The reason why I have mentioned above to create PayPal accounts selecting US/Canada is because you can get people to make documents for you, online (if there was a need). And some guys even provide phone verification and such help for accounts belonging to US/Canada. I’m not sure if they do it for Cyprus though. I’m sorry, once again.

      • Namgyal May 1, 2014 / 1:28 am

        Hello! well, that’s fine. Anyway, luckily I got rid from this problem. And I think if I share this then others who may be facing same problem will get benefited.
        My account was ‘Limited’ for months and I got no clue what to do. They asked for my i) Photo Id ii) address proof iii) change my password and iv) change security question.
        Last two were possible but first two were something that gave me a hard time. Then when I checked once again and clicked the ‘?’ on the first one i.e. ‘Photo Id’, it said ‘proof of your name’. It didn’t mention anything about nationality. Then i just uploaded my scanned passport. Then the second one! When I entered it, it asked for ‘Utility Bill’. So, I searched on google and found an image of a utility bill of Cyprus. It was something like electricity bill. I photoshopped it and replaced the name of the payee with my own name. Then i uploaded it. Others two were easy. I changed my password and also set a new security question. Then I guess within 1 or 2 days my account was restored but it said ‘Since you are now not in Cyprus, you should close your account within 3 days.’ So, I closed the account. As I already had linked my payoneer’s US bank account to the paypal account, it transferred all amount to my bank account while closing my paypal account. After a couple of days I received the amount on my payoneer though it charged about $30 for the first-time transaction.


        • Subigya Nepal May 1, 2014 / 7:17 am

          Congrats! Glad to hear it all worked out. Its very risky using PayPal, but there’s no way to avoid it, you know. Payoneer is as close as it gets to receiving funds from PayPal, and sometimes it is worth the risk (or at least I think so).

  89. Terisha April 25, 2014 / 1:45 am

    Hey!!..i’ve seen your blogs..they re pretty good.I also have a mastercard but da problem is i do not have a balance and i don’t know how to get and load funds in my payoneer mastercard…I wanted to purchase a beauty product online.So,is there any such options??

  90. sabin May 14, 2014 / 6:07 am

    Hello Subgiya, For how many years my payoneer card will be valid for before I get a new card?

    • Subigya Nepal May 15, 2014 / 11:16 am

      I think it is valid for 3 years and then you have got to get a new one.

  91. Prajol May 17, 2014 / 7:28 am

    hello, I have one question for you, In the shipping address how do we write our address. Should we write the house number and stuff? And in how many days will the postman deliver it??

    • Subigya Nepal May 20, 2014 / 7:16 pm

      Yes, you should. Please go through the comments, you will find answers to both your queries.

  92. sabin May 26, 2014 / 3:19 pm

    I have heard we need a small sum in payoneer (about $2) to get verified in nepal. How do we get that in the first place if we are not an online worker??

    • Subigya Nepal May 27, 2014 / 11:48 am

      Do you mean the balance is required to verify a Nepali PayPal? If so, what would you do with a verified Nepali PayPal if you are not an online worker? You can’t receive money on it, you can only send money. So, how would you use it?

      • Sujalneupane August 10, 2018 / 6:28 pm

        Dai maile. Pioneer ac banauda. Last step ma bank ac barda Nepal ko ki US AC RAKHNE ani po box no. Rakhe pachi master card po box bitra aucha ki karlaya office ma daii po box sapai confusion hatai dina malaai

  93. sabin May 27, 2014 / 1:05 pm

    No. I mean for us paypal account. Can we verify us paypal if we have no funds in our payoneer balance? I have heard one needs some balance in payoneer first to verify paypal.

    • Subigya Nepal May 27, 2014 / 7:28 pm

      No. You need balance if you are verifying PayPal with a card. In that case, PayPal charges your card to verify it. But when you verify via a bank account, PayPal deposits some money to it, instead of charging money on it. So, it does not matter whether you have balance on it or not. At least, it didn’t matter when I verified my account and as far as I know, it still should not. Thanks!

  94. Shawn June 22, 2014 / 2:44 am

    I need to to thank you for this very good read!!
    I absolutely loved every bit of it. I have you
    saved as a favorite to
    look at new stuff you post…

  95. sabin June 28, 2014 / 6:39 am

    after verification, paypal asks us for text message verification whenever trying to send money. Do you have the same problem? How do you get past that?

  96. Shawn June 28, 2014 / 10:38 am

    I don’t know if this is on-topic. But can you please give me the latest info on payoneer Mastercard withdrawal charges from ATMs in Nepal. I recently withdrew NRs 32k from Nepal SBI bank and now i have $360 less om my account. I know payoneer charges $3.15 per atm transaction but even without it Nepal SBI seems to have charged very high, Exchange rate was $1 = NRs95.84(buying) that day. Can you please recommend other banks with less charges?

    Also, if you know about any other cheaper alternatives let me know. Do you use skrill or wire transfer ? If you do can you tell me which banks are best for those services and their charges?


  97. Chandra July 5, 2014 / 5:07 pm

    It was a really good read and a good guide for me. thanks!

  98. din July 15, 2014 / 3:10 am

    you told us not to withdraw small amount from ATM, instead make a habit to withdraw the maximum amount allowed (i.e 10,000 or 16,000). This will help minimize the fees.but as u mentioned above Payoneer charges annual card maintenance fee of $29.95. After you load your card with more than 30$ for the first time, you will be charged 29.95$ as an annual fee. for example i have 100$ in my paypal account and i want to withdraw with payoneer, i transfer this 100$ in bank account then it deducts $29 from $100 or to minimize that fee?any idea?is it possible if i transfer less than $30 ,3 or 4 times to cover $100.

    • Pragon August 22, 2017 / 5:12 pm

      Just empty your MasterCard before the deadline. Payoneer won’t charge you if the MasterCard is empty. Of course, the fee will be deducted in the first time, I think.

  99. Deepak August 18, 2014 / 9:11 am

    How to load money in PayPal Account.It may ask to enter Social Security Number when I try to load funds……Plz Mail me::

  100. Sajan Kc September 21, 2014 / 6:27 am

    Please give me fake address of US (PayPal ma chahine jati).

  101. Er.Rupesh Prajapati July 5, 2017 / 4:51 pm

    If you are a resident of Nepal and worried about the paypal, leave all that i have a verified US Paypal account, i can withdraw any amount in USA and get it here in Nepal with only 6% of the total value.

    If you need to open any online shop or transfer funds from earning through selling or freelance then i can withdraw that for you.
    Please whatsapp me on +9779809109066

    • Sujal August 10, 2018 / 5:56 pm

      Rupesh dai hajur malai add garnuna what’s app maa add hudaina hajur ko no. Ma taaa

    • Cupkatwal August 10, 2018 / 5:59 pm

      Rupesh dai hajur malai add garnuna what\’s app maa add hudaina hajur ko no. Ma taaa

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