u/LogosNexus

Hi everyone,

I have 3 bank accounts in Payoneer (USD, EUR and GBP) that I created around a year ago, but I never actually used them. I have never received any payments through them, I don't have a Payoneer card, and all 3 accounts currently have a $0 balance.

According to Payoneer's current terms, the Annual Account Fee applies if you don't receive at least $6,000 during any consecutive 12-month period.

I also found this in their terms:

>

So I'm trying to understand what actually happens in practice.

If the account has $0 when the annual fee becomes due, does Payoneer:

1. Simply leave the balance at $0 and not charge anything until money is received in the future?
2. Record the unpaid fee somewhere and deduct it if money is received later?
3. Create a negative balance/debt?
4. Or can the account eventually be closed without ever having to pay the fee?

I'm also wondering about closing the account. If the annual fee has already been assessed but the balance is $0, would I have to pay the ~$30 fee before Payoneer allows me to close the account?

One more thing: my account shows January 1, 2026 as the activation date, even though I remember creating it sometime last summer. So I'm also not completely sure when the 12-month fee period actually starts.

I've contacted Payoneer support and I'm waiting for their answer, but I'd really like to hear from anyone who has actually had a $0 Payoneer account sitting unused for a year or more.

What happened in your case?

Thanks!

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