Introduction
You may have already run into a problem if you’ve been trying to use bunq to get money from other countries.
Bunq is a real digital bank, but it’s not always easy for people outside of Europe to use, especially freelancers and businesses in Africa and other places.
So, what’s the other option?
The good news is: you don’t need bunq to receive international payments. In fact, there are better, more flexible options built specifically for global users.
In this guide, you’ll learn exactly how to receive money from anywhere in the world—without relying on bunq.
Why bunq May Not Work for International Payments
Before we dive into alternatives, let’s quickly understand the limitations of bunq:
- Primarily designed for European residents
- Limited accessibility in countries like Nigeria
- Strict verification requirements
- Not optimized for freelancers receiving global payments
This makes bunq less ideal if your income comes from international clients or platforms.
Best Ways to Receive International Payments Without bunq
Here are the most effective methods you can use today:
1. Use a Global Payment Platform (Best Option)
Platforms built for cross-border payments are the easiest and most reliable way to get paid internationally.
Paidley (Recommended)
Paidley is designed specifically for:
- Freelancers
- Remote workers
- Online business owners
Why Paidley works better:
- Accept payments from clients worldwide
- Designed for users in Africa and beyond
- Lower fees compared to many banks
- Fast and simple setup
If your goal is to receive money globally without restrictions, Paidley is one of the best options available.
2. Use International Money Transfer Services
Wise
- Multi-currency accounts
- Transparent fees
- Widely trusted globally
Good for receiving payments, but availability varies by country.
Payoneer
- Popular with freelancers and marketplaces
- Supports platforms like Upwork and Fiverr
Great for business use, but fees can add up.
3. Use Digital Wallets
Some users rely on wallets like PayPal.
However:
- High transaction fees
- Withdrawal challenges in some countries
- Account limitations
Not always the best long-term solution.
4. Bank Wire Transfers (Traditional Method)
You can also receive payments directly into your local bank account.
But be aware:
- High transfer fees
- Slow processing times
- Poor exchange rates
This method is becoming outdated for freelancers and remote workers.
Step-by-Step: How to Receive International Payments Without bunq
Here’s a simple process you can follow:
Step 1: Choose the Right Platform
Pick a service that supports your country and payment needs.
For most users, Paidley is the easiest starting point.
Step 2: Create an Account
Sign up and complete verification (usually ID + basic details).
Step 3: Get Your Payment Details
You’ll receive details like:
- Account number or wallet ID
- Payment links or invoices
Step 4: Share with Clients
Send your payment details to:
- Freelance clients
- Employers
- Online platforms
Step 5: Receive and Withdraw Funds
Once paid, you can:
- Hold funds
- Convert currencies
- Withdraw to your local account
What to Look for in a Payment Platform
When choosing an alternative to bunq, focus on:
- Global accessibility (works in your country)
- Low fees
- Fast transfers
- Ease of use
- Reliable support
These factors matter more than whether it’s a “bank” or not.
Best Option for Africans and Global Freelancers
If you’re based in Africa or work with international clients, you need a solution that removes barriers—not adds them.
That’s where Paidley stands out.
Unlike bunq, Paidley is built for:
- Cross-border payments
- Freelancers and remote workers
- Easy access regardless of location
It focuses on what matters most: helping you get paid—fast and reliably.
In Conclusion
You don’t need bunq to receive international payments.
While bunq is a real bank, it’s not always the best option—especially if you live outside Europe.
There are better tools available today that are:
- More accessible
- More flexible
- Better suited for global income
Ready to start receiving payments from anywhere in the world?
Paidley gives you the freedom to accept international payments with fewer restrictions and better flexibility than traditional banks or neobanks.
Get started today with Paidley and take full control of your global earnings.