BNKA Blog

Living between two countries

Paperwork, renting, your first months and money decisions when your life crosses borders.

Ilustracion plana: panel de saldo de una plataforma, nodo de conversion de moneda y destino en euros con monedas coral sobre fondo calido. Cobrar de Payoneer en euros

August 21, 2026 21:088 min read

Getting paid from Payoneer: the currency is set before you withdraw

The balance shows up in a currency you did not always choose. The withdraw button did not decide it: you did, when you handed your receiving details to the client.

Ilustracion plana: recibo de nomina, calendario del mes y monedas coral sobre fondo calido. Nomina en euros y envio mensual a casa

Living between two countries

August 18, 2026 14:278 min read

You get paid in euros, and back home the rent is due

Payroll lands on one date and the expense back home falls due on another. Between those two dates is where the amount that arrives gets decided, and almost nobody looks at them together.

Ilustracion plana: barras y balanza comparando rutas de conversion. Cobrar de Fiverr en euros

Living between two countries

August 16, 2026 15:048 min read

Getting paid from Fiverr: from a dollar balance to your local account

Fiverr counts in dollars, you spend in euros and your family receives in local currency. Between the gig price and your account sit an advertised commission, a fixed fee that weighs differently on small amounts, and up to two conversions nobody itemises.

Ilustracion plana: factura que se acredita en el saldo en euros de la app. Cobrar de Upwork en euros

Living between two countries

August 14, 2026 15:358 min read

Getting paid from Upwork: from available balance to your local account

The client approved and there is a number on your profile. That number is not your money yet: it goes through three states, and between the last one and your local account sit an advertised fee and a conversion cost that is not advertised.

Ilustracion plana: laptop, factura y monedas coral sobre fondo calido. Cobrar de Deel en euros

Living between two countries

August 14, 2026 01:258 min read

Paid through Deel: what happens between «paid» and your account

The invoice says «paid» and the money is nowhere. The leg that decides speed and final amount is not the company payment: it is the withdrawal you configured on day one and never looked at again.

Ilustracion plana: laptop frente a un globo terraqueo con una ruta punteada. Nomada digital

Living between two countries

August 5, 2026 09:476 min read

Digital nomad in Spain: the money part nobody explains

There are a hundred guides on the visa and almost none on what comes next: where you get paid, in what currency, and which documents prove that income exists.

Ilustracion plana: laptop, factura y monedas coral. Freelance cobrando en euros

Living between two countries

August 5, 2026 09:477 min read

Latino freelancers getting paid in euros: what nobody tells you about collecting

You landed the European client. Now comes the part nobody explains: how they pay you, in what currency, who keeps the spread and which paperwork you need to file.

Ilustracion plana: dos pilas de monedas de distinto tamano unidas por un arco y unas tijeras. Costo del tipo de cambio

Living between two countries

August 5, 2026 01:107 min read

The 5 mistakes eating your money every time you send it home

Zero commission does not mean free. The real cost is almost always hidden in the exchange rate, and it repeats every month. How to compare it properly in two minutes.

Ilustracion plana: nomina que se acredita en el saldo en euros de la app. Cobrar el sueldo en euros

Living between two countries

August 5, 2026 01:107 min read

Getting paid in euros when you do not have a European bank account yet

You sign the contract and HR asks for "your account number". You do not have a local bank yet. The real question is simpler than it looks.

One useful guide a month. Nothing else.

Paperwork, fraud alerts and changes that affect your money between Europe and LatAm.

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Informational content. This does not constitute financial, legal, tax or investment advice.

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Getting paid from Payoneer: the currency is set before you withdraw

You get paid in euros, and back home the rent is due

Getting paid from Fiverr: from a dollar balance to your local account

Getting paid from Upwork: from available balance to your local account

Paid through Deel: what happens between «paid» and your account

Digital nomad in Spain: the money part nobody explains

Latino freelancers getting paid in euros: what nobody tells you about collecting

The 5 mistakes eating your money every time you send it home

Getting paid in euros when you do not have a European bank account yet

One useful guide a month. Nothing else.