Local bank
Withdraw to your local bank in supported countries. Arrives like a domestic deposit.
Withdrawals
Withdraw in the currency that fits you
Hold funds in USD or EUR, preview FX before converting, and withdraw to local bank or wallet. Rate, fee, and delivery status are visible before you commit.
Local bank payoutsFX before conversionSaved methods
Gruv wallet
🇺🇸USDavailable
$8,420.50
Other balances
🇬🇧GBP2,184.00
🇯🇵JPY412,800
🇨🇦CAD1,920.50
Live FX
1 USD = 0.9215
EUR · mid-market
Withdraw all
DestinationETA · same day
🇪🇺Saved
Commerzbank · Primary
DE89 •••• •••• 0130 00
You'll receive
SEPA · 10s
€ 7,759.31
Fee · €0.20 · Rate locked 48h
How it works
What makes cross-border income tricky to keep
Earnings arrive in one currency, bills in another
Paid in USD, rent due in EUR. Every withdrawal becomes an FX decision.
Hidden spreads cut take-home pay
When the conversion rate is buried, you only see the true cost after the money moves.
Payout methods vary by country
Some markets prefer local bank, others Revolut or PayPal. Availability is rarely clear upfront.
Unpredictable delivery timing
Without explicit status and corridor expectations, you cannot tell delayed from in-flight.
Withdrawal controls you can actually read
Hold balances in USD or EUR, review the FX rate before converting, save destinations, and follow each withdrawal to completion.
Hold and withdraw
Keep funds in the incoming currency until you are ready to convert or withdraw.
Quote before conversion
Review rate and fee before submitting. No surprises on settlement.
Local-bank delivery
Withdraw to your local bank. The final leg lands like a domestic deposit.
Capabilities
Withdrawal options and controls
Digital wallets
Withdraw to Wise, Revolut, PayPal, or supported wallet destinations.
Crypto
Withdraw to crypto or stablecoin wallets in supported programs.
Faster settlement
Pick the route and currency combination that delivers fastest in your corridor.
How it works
From balance to money received
Cross-currency balance control
A freelancer paid in USD with rent in EUR holds the balance, converts when the rate is favorable, and preserves the rate and fee trail for tax time.
More in Merchant of Record: Freelancer
Related capabilities on the same workflow
For Freelancers
Gruv invoices include the fields AP teams expect: tax IDs, PO refs, and multi-currency totals. Send payment links and tr
Payment Collection
Gruv hosted checkout accepts cards and bank transfers from one shareable link. No website needed. Status flows back to t
Tax Compliance
Gruv calculates VAT, GST, and US sales tax per buyer location. Collection, remittance, and 1099 records stay linked to t
Frequently Asked Questions
Which countries can I withdraw to?+
Supported destinations depend on program, payout method, and corridor. Most workflows support local bank, with Wise or PayPal alternatives in some markets.
What are the withdrawal fees?+
Fees depend on method, corridor, and whether FX is required. Rate and fee detail is visible before you withdraw so you model your take-home.
Can I withdraw to a digital wallet like Wise or PayPal?+
Yes, in supported markets. Wallet payouts work where the corridor supports them.
Can I hold funds in the original currency?+
Yes. Hold your USD or EUR balance until you are ready to convert or withdraw.
What does Gruv AI do across these features?+
Gruv AI automates payout routing, compliance gates, exception triage, and the Ask Gruv AI workspace. Every feature shares the same AI layer, so rules, holds, and reconciliation stay consistent.
Can I start with one feature and add more later?+
Yes. Gruv is modular. Start with one workflow and expand to additional modules as your needs grow.
How do I connect Gruv to our existing systems?+
Connect through APIs and webhooks, or start with file imports and exports for a fast evaluation. Email ingestion works for lightweight backfills.
What determines coverage, methods, and timelines?+
Coverage, methods, and timelines vary by market and are subject to compliance and policy checks. Confirm your target corridors and payout methods during evaluation.
Is this tax or legal advice?+
No. Tax and compliance features vary by jurisdiction and customer configuration. This content is for informational purposes and is not tax or legal advice.
Withdraw with clear FX
Hold funds in USD or EUR, preview FX before converting, and withdraw to local bank or wallet. Rate, fee, and delivery status are visible before you commit.
Many teams start with a narrow launch in weeks; timelines depend on scope and integrations.