Centtrip vs Payoneer
For spending abroad FX markup matters, and Payoneer does better (0.5% vs 2%). Neither wins across the board: weigh the points above against your use case before choosing between Centtrip and Payoneer.
| Centtrip | Payoneer | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.4 | ★ 4.1 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | dedicato · GB, EEA | dedicato |
| Multi-currency | Yes · 15 currencies | Yes · 30 currencies |
| Outbound transfers to third-party IBANs | No | No |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| On-chain crypto withdrawal | No | — |
| Interest on balance | 0% | — |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA, UK, US, APAC · 100+ countries | US, EEA, UK, APAC, LATAM, MENA, AFRICA · 200+ countries |
| Regulator | FCA | FCA, ASIC, MAS, HKMA, state regulators |
| OAM Italy registration | No | — |
| Segment | B2B | B2B |
| SEPA transfer | — | Free |
| Regions | EU/EEA, UK, US, APAC | US, EU/EEA, UK, APAC, LATAM, MENA, Africa |
| Licences & safety | EMI | Payment Institution |
Frequently asked questions
Centtrip vs Payoneer: which is better?
For spending abroad FX markup matters, and Payoneer does better (0.5% vs 2%). Neither wins across the board: weigh the points above against your use case before choosing between Centtrip and Payoneer.
Which is cheaper, Centtrip or Payoneer?
On the standard spending profile Centtrip has the lowest net annual cost: €0 versus €0 for Payoneer.
Is Centtrip custodial or self-custody?
Centtrip is custodial: funds are held by the platform, while Payoneer is custodial.
Which is better for spending abroad?
For foreign-currency spending Payoneer wins, with the lowest FX markup: 0.5%.