How can I get paid from abroad in Panama?

A global payment account gives you account details in currencies such as USD, EUR or GBP, so clients and marketplaces can pay you locally in their country. You then convert to PAB and withdraw.

What does it cost to convert to PAB?

Costs are the conversion margin plus any withdrawal fee to your local bank in Panama. Compare both, as they vary a lot between providers.

Who regulates international bank accounts & e-wallets in Panama?

Providers serving customers in Panama fall under Superintendencia de Bancos de Panamá. Banks in Panama are licensed and supervised by the Superintendencia de Bancos under the Banking Law of 2008; payment-service and money-transfer companies are registered with the same authority or fall under Ministry of Commerce rules. Verify licensed status in the Superintendencia's register before holding funds with a provider.

Who uses global payment accounts in Panama?

Freelancers, remote workers, online sellers and small exporters in Panama use them to receive foreign income without opening bank accounts abroad.

Panama Digital Bank · International Bank Accounts & e-Wallets · Panama

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Eligibility, pricing, and availability vary by provider, residency, and regulation in Panama. Confirm the terms directly with each provider before opening an account.

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International Bank Accounts & e-Wallets in Panama: what to know

Global payment accounts help people in Panama get paid by clients, marketplaces and platforms in other countries, then convert the money into PAB (Panamanian balboa (US dollar circulates at par)). They are popular with freelancers, online sellers and remote workers in Panama.

Currency in Panama: PAB · Panamanian balboa (US dollar circulates at par)
Regulator in Panama: Superintendencia de Bancos de Panamá(opens in a new tab)
Local accounts in Panama: Panama has no national IBAN; accounts are plain numbers issued by each bank (typically 8-14 digits with the bank's own prefix), plus the bank's 7-digit ABA-style routing code and SWIFT BIC for cross-border transfers.
Payments in Panama: Domestic transfers run through Telered's ACH Panama rails: ACH Directo for batched same-day credit transfers and ACH Xpress for instant low-value payments; large-value and interbank settlement is handled by the Banco Nacional de Panama clearing house, and Panama participates in the regional SIPA interconnection for cross-border USD payments.

Before you sign up in Panama

Check which currencies you can receive, the conversion fee to PAB (Panamanian balboa (US dollar circulates at par)), and the withdrawal fee to a local account in Panama.

Sources: Superintendencia de Bancos · Banco Nacional de Panamá

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Common questions about international bank accounts & e-wallets in Panama

Disclosure: Digital Bank Networks is not a bank. We are an independent comparison platform. Some of the providers on this page are our affiliate partners, and we may receive compensation when you open an account through our links. This does not affect our ratings or rankings, which are based on independent analysis. All information is provided for educational purposes only. Please review each provider's terms and conditions before opening an account.