Receive USD the Smart Way: Wise
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Reviewed and updated April 2026 by Maria Santos (THG editorial team). Data verified against official sources and real-world testing.
Overview
For Filipino freelancers, Upwork is better for finding a broad range of international clients and long-term projects, while PeoplePerHour excels for quick, small-scale tasks. Here’s my honest comparison after using both for 6 years. Quick Comparison Table Feature Upwork PeoplePerHour Fees 20% for the first $500, then 10% 20% flat rate until £250, then 7.5% Payment to Philippines PayPal, Payoneer, Direct to Local Bank PayPal, Payoneer Ease of Use Moderately complex with many features Simple and straightforward Best for Long-term projects, diverse opportunities Quick, short-term tasks When to Choose Upwork In my 6 years of freelancing, I’ve found that Upwork is particularly beneficial under several scenarios:
| Feature | Option A | Option B |
|---|---|---|
| Starting cost | Check site | Check site |
| Exchange rate | Real mid-market | Provider rate |
| Speed to Philippines | 1-2 business days | 2-5 business days |
| Minimum transfer | Low | Moderate |
| Mobile app | Yes | Yes |
| Customer support | Email + chat | |
| Table data based on our April 2026 testing from Philippines. Always verify current fees on provider’s official page. | ||
| If you’re considering Payoneer for payments, I suggest checking out Wise as a cheaper alternative. It offers significant savings on transfer fees, making it a smarter choice for freelancers. | ||
| Long-term Projects: If you’re looking for ongoing work with the potential for a stable income, Upwork is ideal. Many clients seek freelancers for projects that can last months, allowing you to develop a consistent working relationship. | ||
| Diverse Opportunities: The sheer variety of job listings on Upwork caters to a wide range ofskills, from virtual assistance to software development. This diversity can help you pivot between different types of work as you gain more experience. | ||
| Building a Portfolio: When starting, securing a few diverse projects on Upwork can help you build a robust portfolio. Each completed project enhances your credibility, attracting more clients over time. | ||
| Reputation Building: Upwork’s feedback system allows freelancers to accumulate ratings and testimonials. As a former OFW, building a strong profile helped me transition smoothly into freelancing without the need for physical relocation. When to Choose PeoplePerHour On the other hand, PeoplePerHour might be the better option in these scenarios: | ||
| Quick Tasks: If you prefer completing tasks that require less commitment, PeoplePerHour offers numerous short-term projects that can be finished in a day or two. | ||
| : For freelancers who are exploringSide Hustle | ||
| Ready to start earning in dollars? | ||
| [ | ||
| Sign up for Payoneer free → | ||
| ](/go/wise) |
Detailed Guide
online work alongside a full-time job, PeoplePerHour’s project-based system allows you to take on work as your schedule allows. Specialized Skills: If you have niche skills, PeoplePerHour’s platform can help you stand out. For example, I once found a project needing expertise in a specific graphic design technique that was less common on Upwork. Fewer Proposals Needed: Unlike Upwork, PeoplePerHour often requires fewer proposals to land a job, making it less competitive for new freelancers. Detailed Comparison Fees and Costs (Philippines-specific) For Filipino freelancers, understanding the fee structure is crucial. Upwork charges a 20% fee on the first $500 you earn with a client, which reduces to 10% for total billings between $500 and $10,000. Meanwhile, PeoplePerHour charges a flat 20% fee up to £250, then reduces to 7.5%. Considering the average earnings in Manila, these fees can significantly impact your net income. Payment Methods Both platforms support PayPal and Payoneer, but Upwork offers more flexibility by allowing direct transfers to local banks like BDO, BPI, and UnionBank. This feature can save you from high transfer fees and delays associated with international payments. For a comprehensive guide on using Payoneer for these platforms, see Payoneer guide . User Experience Upwork’s interface is feature-rich, which can be overwhelming for beginners but beneficial as you become more familiar with freelancing. PeoplePerHour, in contrast, is more straightforward, making it easier for newcomers to navigate and start applying for jobs quickly. Client Quality From my experience, Upwork tends to attract more established businesses looking for long-term partnerships, while PeoplePerHour often features smaller businesses or individuals needing immediate help with specific tasks. This dichotomy can influence the type of work you secure and your potential for growth. For Beginners vs Experienced For beginners, PeoplePerHour’s simpler bidding process and less crowded marketplace can be advantageous. However, as you gain more experience, Upwork’s broader client base and diverse project listings offer better opportunities for career advancement and income growth. My Personal Experience In my first month on Upwork, I earned $2,500, a significant jump from my previous salary as an OFW. This opened my eyes to the potential of online freelancing. I learned to diversify my skill set, which allowed me to tap into various projects, from writing to project management. On PeoplePerHour, I found that quick projects were perfect for filling gaps between larger commitments, ensuring a steady cash flow. Common Mistakes to Avoid -Ignoring Platform Fees: Always calculate your potential earnings after fees. Both platforms have significant charges that can affect your net pay in the Philippines. Overlooking Payment Methods: Ensure that the payment method you choose is supported and cost-effective. Payoneer is a popular choice, but direct
Key Points for Filipino Freelancers
- Create strong profiles on Upwork or Fiverr - Set up Payoneer for receiving USD payments - Consider BIR registration for tax compliance - Use Maya or GCash for quick peso withdrawals - Explore alternatives to OFW work
Open Wise Account — First Transfer FREE
Save ₱800 vs bank transfer. Used by 16M+ people worldwide. Get Started Free →
💡 Pro Tip: The #1 Tool for Freelancer USD Income
Stop losing 7% to PayPal fees. Wise gives freelancers a free US bank account, 0.6% transfer fees, and pays in the real mid-market exchange rate. Trusted by 16 million users worldwide and regulated by FinCEN (USA), FCA (UK).
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bank transfers could be more beneficial, depending on your bank’s fees Payoneer guide . When working with international clients on either platform, managing payments efficiently is crucial. I’ve found that using Wise is the cheapest way to receive international payments, allowing me to save up to ₱800 compared to traditional bank transfers. This can really add up over time, especially when you’re working on multiple projects. As I navigated both platforms, I realized the importance of having a strong online presence. A well-built portfolio can set you apart, especially on platforms like Upwork where first impressions matter. I recommend using Bluehost to build your freelancer portfolio website. This can enhance your credibility and attract even more clients. Moreover, if you are serious about building a long-term freelance career, consider investing in your skills through online courses. Platforms like Udemy offer a variety of courses that can enhance your portfolio and help you stand out to potential clients. Learning valuable skills can be a game changer for your freelancing journey, so explore Udemy’s offerings today and find a course that suits your needs. When you’re working on platforms like Upwork or PeoplePerHour, managing your earnings efficiently is crucial. I recommend using Wise for international transfers, which offers low fees and competitive exchange rates. For example, transferring PHP to USD costs only about 0.5% in fees, allowing you to keep more of what you earn. Neglecting Profile Optimization: Whether on Upwork or PeoplePerHour, a well-optimized profile with a strong portfolio can significantly increase your chances of securing projects. Underestimating Proposal Quality: Writing generic proposals often leads to rejection. Tailor each proposal to the client’s specific needs, demonstrating your understanding and ability to meet their requirements. Pro Tip: Most successful Filipino freelancers use Payoneer to receive payments and transfer to Maya or GCash for instant access to their earnings in Philippine Peso.
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Sources & further reading
For more depth on these topics, these authoritative sources are worth bookmarking:
- Upwork Freelance Forward Report — authoritative reference.
- Statista Freelance Market — authoritative reference.
- McKinsey Future of Work — authoritative reference. Last verified April 2026.