A day in the life: digital nomad without Grey vs with Grey

Finding accommodation as a digital nomad is a skill in itself. Unlike a holiday, where you book something nice for a week and call it done, nomadic living involves a constant cycle of research, short-term stays, longer-term negotiations, and the occasional bad Wi-Fi situation you didn't see coming.

The good news is that the infrastructure for nomadic accommodation has improved significantly in recent years. More landlords understand what nomads need. More co-living spaces have opened in major nomad cities. And the playbook for finding good, affordable housing on the road is well established, even if it's not always well documented.

This guide covers the full range of accommodation options available to digital nomads, from short-term platforms to local rental markets, along with practical tips for finding housing quickly in a new city and managing cross-border payments when you do. For a broader introduction to the lifestyle itself, see our digital nomad lifestyle guide.

Short-term accommodation options for digital nomads

Short-term stays, typically under one month, are where most nomads start when arriving in a new location. They're more expensive per night than long-term rentals but are usually more flexible, have no lease requirements, and are often furnished and include utilities.

Airbnb and Vrbo

Airbnb and Vrbo are the most familiar options. Both offer furnished apartments, private rooms, and entire properties for nightly, weekly, or monthly bookings. Airbnb has a monthly discount feature built into the pricing: hosts can set a percentage off for bookings of 28 days or more, and many do. Make sure to contact the host directly to negotiate a monthly rate, even if the discount isn’t advertised.

Pros: wide selection, clear guest reviews, flexible booking terms, and host communication before arrival.

Cons: higher cost than local rentals, Wi-Fi quality varies significantly, and some hosts are optimised for tourists rather than working professionals.

Booking.com monthly stays

Booking.com has expanded significantly into the long-stay market and often surfaces options that don’t appear on Airbnb, particularly serviced apartments and aparthotels. Filter for “apartments” and select monthly stays for better pricing.

Pros: broad inventory, often includes properties not listed elsewhere, good cancellation policy options.

Cons: varies by property; some listings have minimum requirements for monthly pricing.

Hostels with private rooms

In budget destinations across Southeast Asia, Latin America, and Eastern Europe, hostels with private rooms offer a surprisingly good option for short stays. Private rooms in hostels are often significantly cheaper than equivalent Airbnb listings, include shared common areas and sometimes coworking spaces, and come with a built-in social environment.

Pros: cost-effective, social, often include breakfast and utilities.

Cons: thin walls, shared bathrooms in some cases, variable Wi-Fi, and not suitable for long client calls in shared spaces.

Hotel long-stay deals

Many hotels, particularly business hotels and aparthotels, offer significantly reduced monthly rates for extended stays that are never listed on their standard booking pages. These are negotiated directly by calling the hotel and asking for long-stay or corporate rates.

Pros: Hotel amenities, cleaning service, reliable infrastructure.

Cons: Typically more expensive than private rentals, even with long-stay discounts, and less "home-like.”

Cost comparison by accommodation type and region

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Figures are estimates based on Nomad List city data and market research. Costs vary significantly by city, neighbourhood, and season.

Long-term accommodation options for digital nomads

Once you’ve settled on staying somewhere for two months or more, the economics shift. The short-stay premium no longer makes sense, and the right approach is to find accommodation the way a local would.

Local rental market

In most cities, the cheapest furnished apartments are found through local channels rather than international platforms. This typically means Facebook groups (search for "[city name] expats", "[city name] apartments for rent", or "[city name] digital nomads"), local property listing sites, and WhatsApp groups that circulate among the expat and nomad community in that city.

The trade-off: finding a place this way takes more time and requires being either in the city already or trusting photos and video tours remotely. The upside is that a furnished apartment found through local channels can cost 30 to 50% less than the equivalent on Airbnb for the same city and quality level.

Furnished apartment agencies

Many cities have local agencies that specifically handle furnished apartments for short- to medium-term rentals. These agencies often cater to business travellers and relocating professionals, which means their inventory is typically furnished to a reasonable standard and includes utilities. A quick search for “furnished apartments [city name]” plus the local language equivalent often surfaces these.

House-sitting through TrustedHousesitters

TrustedHousesitters matches homeowners who need their home and pets looked after with nomads and travellers willing to house-sit for free accommodation. If you're comfortable with pets and flexible on location, this is a legitimate way to live rent-free in exchange for daily pet care and property oversight.

It requires advance planning: good house-sitting opportunities in desirable locations fill quickly, and building a strong TrustedHousesitters profile with reviews takes time. But for nomads who want to significantly reduce accommodation costs in high-cost countries, it’s a genuine option.

Sublets

Locals who are travelling temporarily often sublet their furnished apartments at rates closer to local market prices than tourist prices. These can be found through the same Facebook groups and WhatsApp networks as local rentals. Sublets are typically informal arrangements, so due diligence on the space and the landlord’s willingness to let is important.

How do digital nomads find housing abroad?

The most common mistake first-time nomads make is trying to solve the accommodation problem entirely from home, before arriving. Booking three months of Airbnb before you’ve spent a single week in a place is expensive and inflexible. The approach experienced nomads use is different.

Book one to two weeks of short-term accommodation first
Arrive at your destination with a comfortable, central place already sorted for the first week or two. This gives you time to explore neighbourhoods, join local nomad and expat groups, and get a feel for where you actually want to be before committing to something longer.

Join the Facebook and WhatsApp groups for that city
Search for “[city] expats”, “[city] digital nomads", and “[city] apartments for rent” on Facebook. Request access. Post asking what you’re looking for. Many of the best long-term finds come through these groups within 48 hours of posting.

Ask on Nomad List
Nomad List’s community forum and chat are organised by city and are among the most useful real-time sources for what's available, which areas are best for working, and what pitfalls to avoid in any given place.

Talk to other nomads already there
The nomad community is generally generous with practical information. If you’re staying in a hostel or co-living space during your first week, ask other residents where they found their accommodation. Recommendations from people currently living in the city are more reliable than anything you’ll find through a search engine.

Be ready to move quickly on local listings
Good furnished apartments at local prices go fast, particularly in popular nomad cities like Chiang Mai, Medellín, Lisbon, and Tbilisi. If you find something good, don’t spend days deliberating.

Co-living spaces for digital nomads: are they worth it?

Co-living spaces are purpose-built or adapted residential properties that offer private or semi-private rooms with shared common areas, Wi-Fi, and often a built-in community of other remote workers and nomads. They sit somewhere between a high-end hostel and a furnished apartment in terms of experience and price.

What co-living typically includes:

• Private furnished room with reliable, fast internet
• Shared kitchen, living areas, and sometimes coworking desks
• Utilities and cleaning are included in the price
• Community events, networking opportunities, and social programming
• Often: rooftop access, gym, pool, or other amenities, depending on the property

Is it worth it?
Co-living is worth it in two situations. First, when you’re new to a city, you want a built-in social environment to meet people quickly without putting in weeks of social effort. Second, when the all-inclusive price is genuinely competitive with furnished apartments, once you factor in utilities, internet, and cleaning. In some cities, it is, in others, it’s significantly more expensive per month than an equivalent local rental.

The experience varies considerably between properties. Read reviews specifically about the internet speed, noise levels, and the current community atmosphere (which changes as residents cycle in and out). A co-living space with a dead atmosphere or patchy Wi-Fi solves neither the social nor the work problem.

Tips for finding and securing nomad housing

• Test the Wi-Fi before committing: Ask the host or property for the broadband speed, or run a speed test during a video call or in-person visit before signing anything. Minimum functional speed for most remote work is 25 Mbps download and 10 Mbps upload; 50 Mbps or more is comfortable for video calls.
• Use a VPN to search local listing sites: Some regional property platforms show different results or prices based on your detected location. Searching with a local VPN node can surface listings that don’t appear when searching from abroad.
• Always have a backup option: Before checking out of your current place, have your next accommodation confirmed and paid. Moving cities without a fallback creates unnecessary stress.
• Read reviews for noise level, not just overall score: A 4.8-rated apartment can still be on a main road above a bar. Look specifically for reviews mentioning noise, street sounds, and sleep quality.
• Ask for a monthly discount, even if one isn’t listed: Hosts and landlords generally prefer a reliable occupant for a month to the uncertainty of nightly bookings. A direct message asking for a monthly rate almost always gets a response, even if the answer is no.
• Confirm check-in flexibility before booking: Many nomads arrive on late flights or unconventional schedules. Clarify check-in times before booking, particularly for entire-apartment listings where a lockbox or key exchange must be arranged.
• Arrive with one month’s rent in local cash if possible: Many local landlords in emerging market countries prefer or require cash deposits. Having local currency ready, rather than relying on finding an ATM on arrival, simplifies the move-in process.

How to manage payments and deposits as a digital nomad

The financial side of finding accommodation abroad creates its own set of complications. Deposits are often due in advance, in local currency. Monthly rent may need to be transferred internationally. And paying through your home bank can mean losing 3 to 5% on every conversion.

For deposits sent ahead of arrival, the cleaner approach is a multi-currency account that lets you convert at a fair rate and send internationally at low cost. Grey lets you send money abroad with Grey at a conversion fee of 1%, capped at $6, with the rate shown before you confirm. For nomads regularly moving money between countries, this is significantly cheaper than bank wire transfers that typically carry a $25 to $50 sending fee plus a 2 to 4% conversion spread.

For ongoing rent payments in foreign currencies, opening a multi-currency account for nomads lets you hold USD, EUR, and GBP balances, pay from whichever currency is most cost-effective for the transaction, and avoid converting back and forth on every monthly payment.

The practical workflow: hold income in the currency you earn it in, convert only what you need for the current month’s expenses, and use a Grey virtual card for USD-denominated online subscriptions and tools you’re paying for, regardless of where you’re living.

Open a multi-currency account with Grey today to begin.

Frequently asked questions about finding accommodation as a digital nomad

How much should a digital nomad budget for accommodation?

It depends significantly on the destination. In Southeast Asia (Chiang Mai, Bali, Ho Chi Minh City), comfortable furnished apartments run $400 to $800 per month. In Southern Europe (Lisbon, Barcelona, Athens), expect $900 to $1,800 for a similar standard. In Latin America (Medellín, Mexico City, Buenos Aires), the range is $500 to $1,200. Co-living and Airbnb add a premium of 20 to 50% above the local rental market rate for equivalent quality. A general planning range for most nomad-friendly destinations is $600 to $1,500 per month for accommodation, with high-cost-of-living cities (Western Europe, Japan, US) falling above that range.

Is it safe to rent from local landlords as a digital nomad?

Generally, yes, with reasonable precautions. Request a video call to see the apartment in real time before paying any deposit. Pay the deposit using a method that leaves a record (bank transfer or a traceable payment method), rather than in cash, if possible. Confirm the landlord’s identity and verify the address on maps before arrival. In cities with established nomad communities, Facebook groups and WhatsApp recommendations for specific landlords are useful vetting tools: others have rented from the same person and can confirm their experience.

Can I get a lease as a digital nomad without a fixed address?

Formal leases typically require proof of income and sometimes a local guarantor, which many nomads can’t provide. In practice, most nomad accommodation is arranged informally: a written agreement, a WhatsApp exchange, or a platform booking confirmation rather than a legally binding lease. This is the norm in the nomad market, and most landlords catering to nomads expect it. For any significant deposit, having a written agreement (even via email or WhatsApp) that specifies the amount, the return conditions, and the rental period is worth the effort.

What is the best app for finding digital nomad accommodation?

No single app covers everything. For short stays, Airbnb and Booking.com are the most practical starting points. For co-living, Selina and Outsite have their own booking platforms. For local rentals, the most effective tool is Facebook Groups combined with Nomad List’s city-specific community chats. Many experienced nomads use Airbnb for the first week in a new city and then transition to a local rental found through Facebook or community recommendations.

How do digital nomads handle deposits in a foreign country?

Most deposits for nomad accommodation are paid by bank transfer, local cash, or through a platform (for Airbnb bookings, Airbnb holds the payment). For local rentals requiring a direct bank transfer in foreign currency, a multi-currency account with a competitive conversion rate is the most cost-effective method: converting at a bank’s standard rate typically costs 3 to 5% of the deposit amount, whereas a platform like Grey charges 1%, capped at $6, on conversion. Keep a record of every deposit paid, the agreed return conditions, and the landlord’s contact details.

Do I need travel insurance if I am renting accommodation long-term?

Travel insurance needs change when you’re a long-term renter rather than a short-stay tourist. Standard travel insurance often excludes stays beyond 30 to 90 days or has reduced coverage for long-term accommodation. Nomad-specific insurance products (such as SafetyWing or World Nomads) are designed for extended travel and cover medical emergencies, trip interruption, and sometimes personal belongings. For long-term rentals, contents insurance for your possessions in the rental property is worth investigating separately, as landlord insurance typically doesn’t cover tenants’ belongings.

Opening an offshore bank account is becoming increasingly common and practical for US citizens. An offshore bank account can unlock access to flexible, multi-currency financial tools that traditional US banks don’t always offer.

Despite the “offshore” label, opening an account abroad is completely legal when done properly. With tax compliance in place and the right financial partner, you can manage money internationally with ease. Here, we’ll look at the top countries for offshore banking in 2025 and introduce Grey, a modern digital alternative that gives you many of the same global banking benefits without the red tape.

Why US citizens consider offshore bank accounts

US citizens are increasingly exploring offshore banking for practical and completely legal reasons. Here are some of the top motivations:

Multi-currency access: Many offshore banks allow you to hold accounts in USD, EUR, GBP and other currencies, which is helpful for remote workers or investors with global exposure.

Geographical diversification: Offshore accounts provide an extra layer of protection if there’s financial or political instability in your home country.

Global lifestyle: Digital nomads, expats, and retirees benefit from banks that support international transfers, low FX fees, and seamless ATM access abroad.

Asset protection: In certain jurisdictions, offshore accounts can protect your funds from local lawsuits or creditor claims.

Investment access: Offshore banks can unlock new investment opportunities, including global mutual funds, stocks, or foreign real estate.

Keep in mind that as a US citizen, you’re still obligated to report foreign accounts through FATCA (Foreign Account Tax Compliance Act) and FBAR (Foreign Bank Account Report). The IRS requires transparency — but it doesn't prohibit banking abroad.

Also read: The easiest way to open an offshore bank account online for free

Best countries to open an offshore bank account in 2025

Let’s explore some of the most popular and accessible countries for US citizens to open offshore accounts — with each offering unique perks for international finance.

1. Switzerland

A classic name in offshore banking, Switzerland remains a top destination for those seeking banking stability and privacy.

Switzerland is best for high-net-worth individuals seeking wealth management, asset protection, and secure multi-currency accounts.

2. Singapore

Singapore’s strong economy, tight financial regulation, and low tax environment make it ideal for business owners and investors. While minimum deposits vary, many expats find Singapore’s digital-first banking experience incredibly convenient.

3. Georgia

The Eastern European nation of Georgia is a rising star in offshore finance. With low taxes and a simple application process, it’s a great choice for digital nomads or freelancers. Some banks even allow you to open an account remotely or within a day of arriving.

4. Belize

Belize is well-known for its asset protection laws. It’s an excellent option for personal savings or setting up an offshore business account. Banks here generally make account opening relatively straightforward.

5. Cayman Islands

Although often associated with large corporations, the Cayman Islands also welcomes individuals. With no income tax and strong confidentiality protections, it’s an attractive option for wealth preservation. Be prepared for high minimum deposits, but the long-term benefits are significant.

6. Mauritius

For US citizens with ties to Africa or Asia, Mauritius offers an interesting mix. Its stable financial system and proximity to emerging markets make it ideal for entrepreneurs and remote workers. Offshore accounts can often be opened with just a few thousand dollars, and the country’s banking system is English-friendly.

Also read: Best countries to open an offshore bank account (with low tax benefits!)

How to choose the right offshore account

Choosing the right country (and bank) depends on your specific goals. Ask yourself:

• Are you managing client payments or investments abroad?
• Do you need multi-currency access or a simple USD account?
• Can you meet the minimum deposit requirements?
• Do you want full digital banking, or are you okay with in-person onboarding?
• Is the bank FATCA-compliant and transparent with US reporting laws?

It’s also wise to consult a financial advisor or accountant familiar with US offshore banking regulations to avoid legal or tax surprises.

How Grey simplifies global banking for US citizens

Opening a traditional offshore account can take a while and many banks have high minimum deposit requirements or tedious paperwork. That’s where Grey comes in.

Grey is a global banking platform that offers multi-currency accounts in USD, EUR and GBP without the need to travel or deal with offshore bureaucracy. Grey gives you the core benefits of offshore banking:

• Free virtual accounts: Instantly receive USD, EUR, and GBP from clients or platforms.
• Multi-currency wallets: Hold your earnings in foreign currencies.
• Fast currency conversion: Convert money at competitive, transparent exchange rates.
• Local withdrawals: Send your funds to domestic accounts or mobile wallets across multiple countries.
• Secure platform: Grey is fully regulated, with encryption and fraud protection built-in.

How to open a Grey account (from anywhere)

Getting started with Grey is simple — and fully remote:

1. Sign up on grey.co or download the Grey app
2. Verify your identity by uploading a valid passport or government ID
3. Create your virtual bank accounts in USD, EUR, or GBP
4. Start receiving payments from clients, marketplaces, or employers
5. Convert and withdraw to your local bank or spend using Grey’s virtual dollar card

With Grey, you don’t need to jump through hoops to access the benefits of global banking.

Also read: The easiest way to get a virtual dollar account for AdSense earnings

Offshore banking is no longer reserved for the elite. If you want a faster, easier way to create international bank accounts without the paperwork and five-figure minimums, Grey is your best bet. Create your Grey account today or download the app to enjoy inclusive global banking, designed for you to carry your dreams across borders.

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Not long ago, landing a well-paying job often came with battling Nairobi traffic, navigating endless office corridors, or waiting months for interview calls that never came. But times have changed. Today, a growing number of Kenyan professionals are closing deals with British startups, designing for European brands, or writing for global media from their living rooms in Kisumu, Nakuru, or Mombasa.

Whether you’re a software developer, designer, marketer, writer, or virtual assistant, there’s a global gig with your name on it.

In this guide, we’ll explain the best platforms to find remote jobs in Kenya — and how to get paid like a global professional.

1. Upwork – Build a strong freelance profile and land global gigs

Best for: Freelancers with experience and a professional portfolio.

Type of work: Writing, design, tech, admin, and more.

Why it stands out:

Upwork is one of the most well-established freelance platforms globally. Kenyan professionals can create detailed profiles, showcase past projects, and apply for jobs posted by clients worldwide. The platform also offers long-term contract opportunities and supports hourly or fixed-price arrangements.

Pro tip: Take time to polish your profile and earn a few early reviews; it helps you land better-paying gigs.

Also read: High-paying remote jobs you can land without experience

2. Remote OK – Find remote tech and digital roles with ease

Best for: Tech professionals and digital creatives.

Type of work: Programming, marketing, product management.

Why it stands out:

Remote OK curates remote job listings from multiple sources, with a focus on digital roles. Many listings are full-time positions with international companies, making it ideal if you’re looking for career growth rather than one-off gigs.

Pro tip: Filter listings by time zone or region to find jobs that suit your schedule.

3. FlexJobs – Access premium, vetted remote job listings

Best for: Serious remote job seekers looking for vetted listings.

Type of work: Customer service, project management, writing, education.

Why it stands out:

FlexJobs is a subscription-based platform, but it’s well worth the cost for its thoroughly vetted listings. The platform avoids scams and focuses on high-quality remote opportunities, including part-time and freelance options.

Pro tip: Opt in for the trial period first to explore available options in your niche.

4. LinkedIn – Use your network to discover remote opportunities

Best for: Networking and full-time remote roles.

Type of work: Across all industries.

Why it stands out:

LinkedIn isn’t just for networking; it’s also a great source for remote job listings. Use the search filter to find “remote” or “work-from-home” opportunities and follow companies hiring globally. Many employers now list remote roles explicitly in their job postings.

Pro tip: Turn on the “Open to work” feature and update your profile with remote-specific keywords.

5. Toptal – Join a global network of elite freelancers

Best for: Highly experienced professionals in tech and finance.

Type of work: Software development, finance, product design.

Why it stands out:

Toptal connects top freelancers with top-tier clients. While it’s not for beginners — their vetting process is intense — it offers access to high-paying, long-term projects. If you’ve got a strong background in tech or business, this is a solid platform to consider.

Pro tip: Prepare thoroughly for the application process; Toptal only accepts a small percentage of applicants.

6. We Work Remotely – Discover top-tier remote jobs across industries

Best for: Skilled professionals looking for global companies.

Type of work: Development, customer support, design, sales.

Why it stands out:

This platform focuses exclusively on remote work and attracts companies like GitHub, Shopify, and Basecamp. It’s great for tech-savvy Kenyans looking to land jobs with companies that embrace remote work culture.

Pro tip: Check the site regularly. Listings go fast!

You may also like: The best digital nomad jobs to earn from anywhere in Kenya

7. Fiverr – Sell your skills through microservices and creative gigs

Best for: Creative professionals and microservices.

Type of work: Graphic design, writing, video editing, translation.

Why it stands out:

Fiverr allows you to set up “gigs” offering services starting from $5 (hence the name). It’s perfect for creatives and those looking to turn a specific skill into a source of income. Fiverr is especially useful if you want to build multiple income streams.

Pro tip: Use SEO-friendly gig descriptions and eye-catching visuals to attract buyers.

Bonus: Use Facebook and WhatsApp local communities for quick wins

Best for: Quick gigs and community support.

Why it stands out:

While not a traditional job platform, there are several local groups dedicated to freelance and remote job opportunities in Kenya. These communities often share job leads, advice, and reviews about clients and platforms.

Pro tip: Always verify opportunities and avoid groups that regularly post vague or unverified jobs.

Get paid like a global professional

One of the biggest challenges Kenyan freelancers face is how to get paid. Job boards and platforms often pay in GBP or EUR — but local banks may charge high fees or offer poor exchange rates.

With Grey, you can access global banking designed for freelancers, remote workers and digital nomads.

• Open free EUR or GBP accounts
• Receive payments directly from platforms like Upwork, Fiverr, or clients abroad.
• Convert your earnings to Kenyan Shillings at competitive rates.
• Withdraw to your local bank or Mobile Money account with ease.
• Get a globally accepted virtual dollar Mastercard to pay for tools and subscriptions anywhere.

Your remote career starts now

Remote work has created a level playing field for talented professionals across the globe. With the right skills, platforms, and tools like Grey, Kenyan freelancers can tap into international markets and earn like global pros.

Open a free Grey account and get paid for your remote work, wherever you are in Kenya.

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When I first started working remotely, I had one big dream: to take my laptop and build a life somewhere inspiring, connected, and filled with new experiences.

Like many freelancers and remote workers, I realised that Europe had a lot to offer: strong internet, progressive work cultures, and the opportunity to tap into global markets. But the question was: what’s the best country to get a remote job in Europe?

I now have the answers. Read on.

Portugal: My peaceful productivity haven

Portugal was the first European country I lived and worked as digital nomad — and honestly, it set the bar so high. Lisbon had everything I needed: fast Wi-Fi, a buzzing remote work community, affordable living (especially compared to London or Paris), and cafés that felt more like co-working spaces.

Local tip: In Lisbon, check out “Outsite” or “Second Home” for flexible co-working. For a slower pace, head to Ericeira, a coastal town with a great surf scene and chill cafes.

Why I’d go back: Friendly locals, reliable infrastructure, and an inspiring mix of city buzz and seaside calm. For many, Portugal is the best country to get a remote job in Europe thanks to its visa schemes and cost of living.

Germany: Professionalism with a creative edge

Next up is Berlin — a city that felt alive with innovation. For tech freelancers, Germany offers access to serious clients and a strong professional network. It wasn’t as laid-back as Portugal, but if you’re looking for growth and structure, Germany is a great option.

Local tip: Berlin’s “Factory Berlin” is a hotspot for entrepreneurs and creatives. Don’t miss cafes like Sankt Oberholz in Mitte, known as Berlin’s remote work HQ.

Why I’d recommend Germany for remote work: There is a high demand for skilled talent, efficient systems, and easy access to the rest of Europe. Germany is often listed as the best country for tech professionals to get a remote job in Europe.

Estonia: The most digital country I’ve ever seen

I never moved to Estonia, but discovering their e-residency programme and digital nomad visa showed me how flexible remote work in Europe could be. With options to register a business online or live and work legally in the country, Estonia makes it easy for freelancers and remote workers to tap into the European market without the usual red tape.

Local tip: Tallinn’s Telliskivi Creative City is full of co-working spaces, indie boutiques, and community vibes. For quiet work time, “Spring Hub” offers top-tier facilities.

Why it’s unique: Total freedom. You can be based anywhere and still benefit from EU business access.

The Netherlands: Where creativity meets structure

Amsterdam charmed me with its creativity and culture, but it’s also one of the best places in Europe to find remote work in design, marketing, and tech.

Local tip: Settle in at “B. Amsterdam” and experience its huge co-working campus with everything from gyms to rooftop cafe. Explore De Pijp for great brunch spots with Wi-Fi.

What stood out: International vibe, high English fluency, and access to global companies. The Netherlands remains a top contender for the best country to get a remote job in Europe for digital creatives.

Spain: Sun, speed, and a startup spirit

I spent a few weeks working from Barcelona, and it honestly felt like I was cheating at life with its great food, amazing weather, and a growing community of creatives and remote workers.

Local tip: Grab a desk at “Aticco” in Barcelona’s Eixample neighbourhood or head south to Valencia, an underrated hub with lower living costs and great workspaces.

What I loved: The pace of life, the energy of the startup scene, and how affordable things were outside the big cities. If lifestyle matters most to you, Spain could easily be the best country to get a remote job in Europe.

Also read: How to apply for a digital nomad visa in Spain

Croatia: Where creativity meets the coast

Croatia immediately caught my attention when I was looking for a more affordable European destination with a high quality of life. The country’s stunning coastline along the Adriatic Sea and rich cultural heritage made it an ideal choice for a remote worker like me. Plus, Croatia offers a digital nomad visa, which is perfect for freelancers wanting to spend an extended period in this beautiful country.

Aside from the breathtaking views,  Croatia is becoming a hotspot for freelancers, thanks to its affordable cost of living, reliable internet, and vibrant local communities. Cities like Zagreb and Split were exactly what I needed while I lived there; they’re full of energy and creativity, making them perfect places for anyone looking to spark inspiration.

Local tip: I loved working by the sea when I found myself in Split. There are amazing spots to work by the water, and I highly recommend Re.Split Coworking for a modern, remote-friendly workspace.

You may be interested: A simple guide to digital nomad visas in the Mediterranean

How I made it work (and how you can too)

Landing remote gigs in Europe is totally doable if you approach it with a plan. Here’s what helped me:

• Keeping my LinkedIn and portfolio sharp
• Applying on remote-friendly platforms like We Work Remotely and EuropeRemotely
• Joining Slack groups and Discord channels with other freelancers
• Reaching out directly to companies offering remote roles in Europe
• Joining The Grey Area, a community built by Grey for digital nomads, freelancers, and remote workers who want to connect, network, and grow.

And here’s something I wish I had known sooner...

Manage your global income with ease — here’s how

One of the biggest challenges I faced wasn’t finding work; it was getting paid without losing money to fees or delays. That’s when I found Grey — a digital banking platform built for freelancers like us.

With Grey, I was able to:

• Create virtual USD, EUR, and GBP accounts
• Receive payments from international clients
• Convert currency at great rates
• Withdraw to my local account — no stress, no surprises

If you’re a remote worker and want to simplify your financial life, Grey is hands down the best solution I’ve used.

Ready to find your best fit?

So, what’s the best country in Europe to get a remote job? The truth is, it depends on your priorities. For sun and ease of life? Portugal or Spain. For structure and growth? Germany or the Netherlands. For total flexibility? Estonia.

Wherever you choose, having the right tools makes all the difference. With a platform like Grey by your side, you can focus less on logistics and more on what you do best. Open your free Grey account today and experience a better way to bank — built for where you are, and where you’re going.

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In Nigeria, access to foreign currency, especially Euros, is in high demand. Getting the best exchange rate during such transactions can have a big impact on your finances.

Because traditional banks often have rigid systems and unfavourable rates, many people turn to the black market to convert their Euros to Naira. It’s quick, it’s accessible, and often, it seems like the only way to get a better value.

However, the black market isn’t always the safest or most sustainable option. Here, I’ll be exploring what black market rates really mean, the downsides, and how to get the same competitive rates with Grey.

What is the black market euro to naira rate?

The black market, also called the parallel market, is an unofficial foreign exchange system where people exchange currencies outside of government-regulated banks. In Nigeria, black market rates are widely used because they typically have a better deal than the rates published by the Central Bank of Nigeria (CBN).

For example, while a bank might offer to buy your euro at ₦1,100, the black market might offer ₦1,300 or more. These rates fluctuate daily and are often based on real-time demand and supply. You can track them through street vendors, social media platforms, or dedicated websites.

But while the rates are attractive, there’s very little oversight.

Also read: The best virtual dollar cards for freelancers and frequent travellers

Why do people prefer black market rates?

The appeal is simple: Better value. Many people who earn in foreign currencies especially want to maximise their naira earnings. With bank limits and long processing times, traditional routes feel restrictive.

Some of the common reasons include:

• Favourable rates: You get more naira for each euro when compared to official rates.
• Fewer restrictions: No paperwork, no waiting in line at the bank, and no foreign exchange limits.
• Speed: Transactions are instant, especially for cash exchanges.

For someone earning in euros, it can feel like the smartest way to go. But that leads us to the other side of the coin.

The risks of converting EUR to NGN on the black market

Black market transactions are, by nature, unregulated. That means you're stepping into a system with zero accountability. Here’s what you’re risking:

• Scams and counterfeit money: There are countless stories of people being duped with fake naira or invalid euros.
• Security concerns: Meeting with strangers to exchange large amounts of cash isn’t just unsafe — it’s dangerous.
• No recourse: If something goes wrong, there’s no refund policy or customer support.
• Unpredictable fluctuations: Rates are inconsistent and can vary drastically within hours or between sellers.
• No regulation or protection: If your exchanger disappears with your money, there’s no legal support. Transactions are based entirely on trust.‍
• Counterparty risk: Scammers often impersonate legitimate exchangers. Even referrals can go wrong.‍
• Legal grey area: While using black market rates isn’t criminalised for individuals, regulators frown on it, and anti-money laundering laws could apply in certain situations.‍
• Lack of transparency: You never really know where your money is going, or whether the exchanger is operating cleanly.

This is why many freelancers and global professionals are now searching for legal, digital ways to get black market-level rates, without the risk.

A smarter alternative: convert euros to naira with Grey

Grey offers a secure, digital way to convert EUR to NGN at rates that often rival the black market —  minus the risk.

With Grey, you can open a free virtual EUR account from Nigeria. That means you can receive payments from clients in Europe, get your funds instantly, and convert them to naira.

Here’s what makes it so convenient:

• Multi-currency accounts: Receive and hold EUR, USD, or GBP in your name.
• Competitive exchange rates: Convert your Euros to Naira at some of the best rates available.
• Instant processing: Say goodbye to days of waiting for payment clearance.
• Full transparency: No hidden fees, no funny business.
• Withdraw to your Nigerian bank: Seamlessly move your naira to any local account when you're ready.

You’re not only saving time and money, you’re protecting yourself from fraud.

Also read: Convert pounds to naira at the best rates online

How to convert EUR to NGN with Grey

Setting up your account and getting started is incredibly simple. Here’s how:

Create a Grey account

Visit grey.co or download the app. Sign up with your email and create a secure profile.

Verify your identity

Upload a valid ID (like your national ID or passport), a selfie, and proof of address to complete KYC.

Receive Euros

Once verified, you can request a free EU bank account. Share your IBAN with clients or platforms that pay in Euros.

Convert to Naira

Log in to your Grey dashboard, tap your Euro balance, and hit “Convert.” Your naira equivalent will be shown instantly.

Withdraw to your local bank

Send your converted naira to any Nigerian bank account of your choice.

It’s fast, safe, and built specifically for people like you — freelancers, remote workers, and global professionals.

Also read: Freelancer's guide to handling currency fluctuations

If you regularly receive payments in Euros, don’t settle for high-risk meetups or shady agents. Instead, take control of your money with Grey and experience smarter banking built for modern work. Create a free Grey account or download the app and convert Euros to Naira the smart way.

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With the growing gig economy, getting started as a freelancer is slightly easier than it used to be. Finding high-paying clients, however, is where it gets tricky.

The truth is high-paying clients exist, and they’re looking for skilled talent like you. Here, I’ll show you how to attract quality clients, build a strong portfolio, and get paid what you deserve.

Let’s dive in.

Also read: 10 fun remote jobs that pay surprisingly well (and how to get them!)

Build a personal brand that sells

Clients pay for both skills and, interestingly, perceived value. That’s why having a strong online presence is crucial.

Start by choosing a niche that aligns with your skills and interests. Then, build a portfolio website that clearly shows what you do, who you help, and the results you deliver. Don’t overthink it. A clean landing page with 3–5 solid case studies is enough.

Next, establish yourself on platforms like LinkedIn, X, and Behance (for creatives). Regularly share your work, offer insights in your niche, and engage with other professionals. This helps you build credibility and attract inbound leads over time.

Even if you don’t have client work to showcase yet, start by doing passion projects or mock-up samples.

Master the art of cold pitching

You don’t have to wait for opportunities to come to you. Go out and create them.

Cold pitching is one of the most underrated ways to land high-paying gigs. Identify companies or founders you’d love to work with, study what they do, then pitch how you can add value. The key here isn’t to send a generic “I’d love to work with you” message. Instead, highlight something they could. It could be that maybe their blog is outdated, or their design is inconsistent.

Then propose a solution. Keep your pitch short, personal, and value-driven.

Leverage job boards and platforms that pay well

While places like Fiverr or Freelancer.com can be saturated with low-paying gigs, others like Toptal, Contra, We Work Remotely and Wellfound often attract premium clients. It’s about knowing what works for you and sticking to it.

When applying through platforms, tailor your proposals to each job. Show you’ve done your research and offer a glimpse into your working process. If possible, include a testimonial or sample relevant to the brief.

Also, join curated Slack communities, Facebook groups, and subscribe to newsletters where high-quality gigs are shared regularly.

Tap into referrals and existing networks

Happy clients are your best marketers. After completing a project, stay in touch, ask for referrals, and keep them updated on your availability. You’d be surprised how many freelancers miss out on recurring work simply because they don’t stay top-of-mind. It’s also worth joining freelancer communities. This way, you can learn from others. Referrals often bounce around in these spaces too.

Position yourself for premium opportunities

Sometimes, it’s not about the skill — it’s how you package it. If you’re serious about attracting high-paying clients, learn to position yourself as a problem-solver, not just a service provider.

This means:

• Asking better questions on discovery calls
• Highlighting ROI in your portfolio
• Offering packages instead of hourly rates
• Writing proposals that focus on business outcomes, not tasks

Clients will pay more for confidence and clarity.

Also read: How to get paid by Amazon in South Africa with Grey

Use Grey to get paid like a pro

Landing that high-paying gig is one thing, but getting paid easily and securely is another.

That’s where Grey comes in.

Grey gives freelancers across Africa access to virtual USD, GBP, and EUR accounts that work just like local bank accounts in the US, UK, and EU. So whether your client is in Berlin or Brooklyn, you can receive payments without delay — and without losing money to unfavourable exchange rates.

You also get competitive currency conversion, fast withdrawals to your local bank account, and a user-friendly dashboard to manage your income.

Also read: Best countries to open an offshore bank account (with low tax benefits!)

How to open a Grey account as a freelancer in Africa

You can open a Grey account in these simple steps:

1. Sign up on Grey via the website or download the app.
2. Verify your identity using a valid government-issued ID and a selfie.
3. Request your foreign bank accounts by choosing from USD, GBP, or EUR.
4. Share your account details with clients when sending invoices.
5. Receive payments and withdraw to your local bank account whenever you're ready.

Also read: High-paying remote jobs you can land without experience

Finding high-paying freelance clients is about strategy, visibility, and consistency. By building a strong online brand, pitching with confidence, and using tools like Grey to simplify payments, you’ll be one step closer to building the freelance career you’ve always wanted.

Create your free Grey account today or download the app to enjoy inclusive global banking, designed for you to carry your dreams across borders.

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