How to Make the Most out of your Global Income
Every international payment loses money to fees and markups. Here's exactly how to receive payments from US, UK, European, and GCC clients while keeping more of what you earned.
What You're Losing Right Now
Traditional banks: 3-5% conversion + $25-45 per transaction
PayPal/Payoneer: 2-3% + poor exchange rates
Intermediary banks: $15-25 each (sometimes multiple)
Real cost: $2,000 payment/month = $60-140 lost
Annual damage: $720-1,680 gone in fees
If You’re Receiving from the United States:
Fee comparison:
❌ Bank SWIFT wire: $25-45 receiving fee + 2-3% markup
❌ PayPal: 2.9% + $0.30 per transaction
❌ Payoneer: 2-3% withdrawal fee
✅ nsave ACH: FREE receiving
How to Set it Up:
- Get nsave US routing number + account number
- Share with Upwork, Fiverr, Deel, or direct US clients
- Employers add you like any US direct deposit
- Receive: FREE | Send locally: $1 flat fee with Google rates
Platform optimization:
Upwork → Bank transfer to nsave ACH (free receiving vs $0.99-$2.99)
Fiverr → Bank withdrawal to nsave (free vs 3% PayPal fee)
Deel → ACH to nsave (free receiving)
Freelancer.com → Bank transfer to nsave (free receiving)
If You’re Receiving from the United Kingdom:
Fee comparison:
❌ International transfer: £15-25 + 2-4% markup
❌ Wise: 0.5-1.5% fee
✅ nsave UK account: FREE via Faster Payments
How to Set it Up:
- Get nsave UK sort code + account number
- Share with UK clients, PeoplePerHour, employers
- Receive GBP instantly via Faster Payments (FPS)
- Receive: FREE, Spend using nsave Card, no fees on GBP
- Exchange to USD for 1% exchange fee.
- Send home: $1 flat fee with Google rates
Platform Optimization:
PeoplePerHour → UK bank details (free receiving vs PayPal 3%)
Upwork UK → GBP payout to nsave (free receiving)
UK employers → BACS/Faster Payments (free receiving)
If You’re Receiving from Europe:
Fee comparison:
❌ International wire: €15-30 + 2-4% markup
❌ Traditional SEPA: €5-15 at many banks
✅ nsave IBAN: FREE SWIFT receiving in USD
How to Set it Up:
- Share nsave USD IBAN details (BIC, account number, bank address)
- Share with German, French, Spanish, Dutch, Italian clients
- Standard SWIFT bank transfer
- Receive: FREE | Send locally: $1 flat fee with Google rates
Platform Optimization:
Direct invoices → Provide IBAN for SWIFT transfer (free receiving)
EU freelance platforms → USD SWIFT payout (free receiving)
If You’re Receiving from The GCC (UAE, KSA, Qatar, Kuwait, etc):
Fee comparison:
❌ Exchange houses: 2-5% markup + AED 50-100 fees
❌ Western Union/MoneyGram: 3-6% fees
❌ Traditional bank SWIFT: $25-45 + intermediaries
✅ nsave SWIFT: FREE receiving
How to Set it Up:
- Request USD payment from GCC employer/client (most can pay USD)
- Share nsave SWIFT details: BIC, account number, bank address
- Direct wire transfer - skip exchange houses entirely
- Receive: FREE | Send locally: $1 flat fee with Google rates
Platform Optimization:
Dubai/UAE companies → USD wire to nsave (free receiving vs 2-5% exchange houses)
Saudi clients → USD or SAR wire (free receiving)
Qatar/Kuwait → USD wire for international contractors (free receiving)
nsave Fee Structure
Receiving money (inbound):
ACH from US: FREE
SWIFT international: FREE
Faster Payments (UK): FREE
SEPA (Europe): FREE
Sending money (outbound):
To local bank/mobile wallet (EGP/PKR/BDT/NGN): $1 flat fee + Google exchange rates
ACH (within US): $0.50
SWIFT (international/local USD account): $9.99
Common Mistakes That Cost Money
- Using PayPal/Payoneer when direct bank transfer available (costs 2-3%)
- Not asking if clients can pay via bank/wire instead of platform
- Sending small amounts frequently instead of batching (multiple $1 fees add up)
- Using GCC exchange houses instead of direct SWIFT (costs 2-5%)
- Not switching because "it's complicated" (takes 5 minutes, saves hundreds)
Stop paying 2-5% to receive money. Receive on nsave for free, send home for $1 with Google rates.
Get your nsave account details and keep more of what you earn
