Can you clarify, please? I am legitimately interested.

What stops a big company to have a normal business account?

Each country has different compliance laws.

If you're a company and wish to use Wise, you need to create an Enterprise account. When doing so, not every country is listed in the dropdown. I've personally been waiting for Brazil to be added for almost 2 years at this point. It's a great service that would help me out a lot.

Interesting. Is it based on a number of employees, annual profit, or something else?

I did have to scan some documents and send it to them to prove that my company exists but nobody has called me for anything else.

As far as I know it is simply not allowed to make any sort of business-related transaction on a personal account, regardless of the size of your business or anything else. I asked them if that was a possibility when I saw it wasn't possible to open a Business account for a brazilian company, and they very clearly said no.

I see, so it's literally a regional lock. :(

Sorry about that. I opened a business account in Eastern Europe just fine.

Tried Paysera? Never used them, just heard of them.

Never heard of Paysera. Thank you, I'll check it out :)

I received $50 last year through Payoneer for a quick freelancing job and completely forgot about it.

A year later, last week, I remembered and decided to withdraw it only to find out that I was deducted $30 for not using the account. Shitty, but I decided to just withdraw the rest and be done with it, only to be faced with the fact that they have a minimum withdraw amount.

I then proceeded to send them an e-mail requesting immediate termination of my account as they literally stole money from my account. I do not recommend this service to anyone.