A cheaper alternative to Grey, Payoneer and Raenest.

Get paid from Upwork, Appen, TELUS or direct clients with 0% fees, withdraw to your Nigerian bank free, and pay no account fee. Keep more of what you earn.

Get paid from
PayPal_Logo_Alternative_1.png
Wise_Logo_1.png
Payoneer_idAcvQJcQZ_1.png
Kwork_idY_58U_Hb_0.png
Workana_Logo_1.png
Appen_idm5pkLgt-_1.png
99designs_by_Vista_idPoS7TP1G_1.png
idg4V0oziY_1774339139535.png
Toptal_idpfdczIeT_1.png
idIscrB4V8_1774338992961.png
idYcdgY65h_logos.png
Deel_Logo_1.png
Upwork_Logo_1.png
Meet Cenoa
Meet Cenoa
Cenoa app showing zero fees, get paid, transfer and deposit features with USD, EUR and GBP accounts

Trusted by Appen, TELUS and Upwork Earners

Get paid from the platforms you already work with

Appen
TELUS
Upwork

Why Global Earners Switch to Cenoa

$0

Yearly fees vs ~$660 on Payoneer and ~$780 on Grey

0%

Fees to get paid and withdraw locally where supported

500K+

Global earners trust Cenoa

Cenoa vs Grey vs Payoneer

Fee
Cenoa
Grey
Payoneer
Get paid / receive income
Free
0.8%
1%
Withdraw locally
Free
0.5%
3%
Account & maintenance
Free
Free
$29.95
Estimated yearly fees
$0
$780
$660

Everything Grey and Payoneer Don't Give You

01

US, EUR & GBP Accounts

Open USD, EUR and GBP account details in minutes and get paid from any platform or client

02

Fast Local Withdrawals

Send money to your Nigerian bank account quickly and reliably

03

Zero Commission

Receive your income with zero fees and zero commission from any platform

04

Crypto Withdrawals

Convert and withdraw to crypto when you need flexibility

05

Real Live Support

Talk to real humans whenever you need help with your account

06

Compliance & Trust

Fully licensed and regulated for your peace of mind

Powered by Industry Leaders

01

Stripe

Secure payment infrastructure trusted worldwide

02

Mastercard

Global card network for seamless transactions

03

Bank-Level Security

256-bit encryption protects your income

They Switched From Grey and Payoneer

"I switched from Payoneer and now I keep every dollar from my Upwork clients. Zero commission means zero stress."

Adaeze O.

Freelance Developer · Lagos

A professional woman sits at a cafe table, smiling warmly while checking her smartphone with an open laptop and iced coffee in front of her. The image features a warm, inviting aesthetic with a blurred background of exposed brick and artwork, perfectly capturing the lifestyle of a successful modern freelancer or digital nomad. It conveys a strong sense of productivity, ease, and financial control relevant to mobile banking users.

Frequently Asked Questions

How do I receive payments from Upwork, Fiverr or other platforms?

Simply add your Cenoa account details as your payment method. Your income arrives with zero commission, ready to withdraw to your local bank or crypto wallet.

Is Cenoa really cheaper than Grey, Payoneer and Raenest?

Based on our comparison, Cenoa is free to get paid and withdraw locally where supported, with no account fee. Grey and Payoneer charge fees that add up over the year.

How fast can I withdraw to my Nigerian bank account?

Most transfers to Nigerian banks complete within minutes. You can also withdraw to crypto for added flexibility.

Is Cenoa safe and regulated?

Yes! Cenoa is powered by Stripe and Mastercard trusted global leaders. Your income is protected with bank-level security and full compliance.

How do I open an account?

Download the Cenoa app and complete verification in minutes. Your free account is ready to receive payments immediately.

Switch to Zero Fees Today

Stop Paying Grey, Payoneer & Raenest Fees

Join 500,000+ global earners who get paid with 0% fees. Open your free account in minutes and keep more of your income.