Depending upon your home country or bank, Direct to Local Bank payments may be subject to different timing, fees, or restrictions.

Timing

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

There is a 12:00 pm (noon) UTC cutoff time for same-day processing. After that, transfers will be processed the following business day. Bank holidays in the U.S. or your country can delay your funds.

Fees

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

The currency conversion will be performed by Upwork's banking partner at the time the funds are sent to you. While it's not possible to show the real-time conversion rate, you can check the last exchange rate used by Upwork's banking partner on the manual withdrawal form.

If you haven't already, add a Direct to Local Bank account in Settings › Get Paid. Once your Direct to Local Bank payment method is activated (it takes 3 days), you can click Get Paid Now at any time and select your local bank account to see the last used conversion rate for your currency.

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

Restrictions

You must be listed as an account holder or authorized signer on your bank account. If the name on your bank account doesn't match your verified name on Upwork, fix it here.

If your bank asks for a Certificate of Earnings, download one from your Reports tab.

For country-specific maximum per transaction limits and restrictions, check the following list.

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Argentina Limit: $3,000 Argentinian authorities may apply some income tax retention to incoming remittances as follows: AFIP Income Tax Retentions (Administración Federal de Ingresos Públicos): Taxes are withheld based on your AFIP tax category.

ARBA (Agencia de Recaudación de la Provincia de Buenos Aires): Recently, Argentinian authorities have introduced ARBA tax withholdings. The ARBA tax is gross income withholdings of electronic commerce specifically in Buenos Aires, the rates vary between 0.20% and 3.5%. You may see some taxes being withheld. Bangladesh Limit: $8,000 Benin Limit: $20,000 Brazil Limit: $8,000 Chile Limit: $5,000 Colombia Limit: $3,000 - $7,000 Ethiopia Limit: $10,000 Ghana Limit: $20,000 Guatemala Limit: $500 Indonesia Limit: $10,000 Japan Limit: $8,500 Jamaica If you are in Jamaica, you may need to file a deposit authorization form. Kenya Limit: $5,000 - $20,000 Malaysia Limit: $50,000 Mali Limit: $20,000 Morocco Minimum: 100 MAD Nepal Limit: $4,500 Nigeria Limit: $3,000 Pakistan Limit: $8,999 Russia Limit: $9,000 Senegal Limit: $2,000 Sri Lanka Limit: $13,000 Thailand Limit: $10,000 Togo Limit: $20,000