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Instead of sharing your primary card details with merchants, the virtual number acts as a stand-in, protecting your real credit card from fraud, data breaches, or unauthorised charges."}},{"@type":"Question","name":"Which Citibank cards are eligible for Virtual Account Numbers?","acceptedAnswer":{"@type":"Answer","text":"Virtual Account Numbers are available to Citibank customers with an eligible personal credit card, including the Citi Double Cash Card, Citi Simplicity Card, and Citi Premier Card. Eligibility can vary by country and card type. 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Citibank virtual card: How to get one and use it safely

Tunde Aladeloba

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Every time you shop online, your payment details pass through multiple systems before reaching the merchant. While most transactions are completed safely, data breaches, phishing attacks and card theft remain common concerns for online shoppers. That's why many banks have introduced virtual payment tools that help customers protect their real card numbers without changing the way they shop.

Citibank's solution is Citi Virtual Account Numbers (VAN), a feature that generates a temporary card number linked to your eligible Citi credit card. Instead of sharing your actual card details with every merchant, you can use the virtual number for online purchases, reducing the risk if a retailer's payment system is compromised.

This guide explains how Citi Virtual Account Numbers work, who can use them, how to generate one, the security benefits they offer and the situations where a virtual card is a smarter choice than using your physical card online.

Also read: How to shop in the US or Europe with your Grey card

What is a Citibank virtual card?

Shopping online is convenient, but every purchase also means trusting another merchant with your card details. To reduce that risk, Citibank introduced Citi Virtual Account Numbers (VAN), a security feature that lets eligible cardholders generate a temporary card number linked to their existing Citi credit card. The virtual number can be used instead of your actual card number when making online purchases, helping keep your real payment details private if a merchant experiences a data breach or security incident.

Citi Virtual Account Numbers are available to eligible Citi credit cardholders, although availability depends on your card type and location. Citibank offers this feature to give customers greater protection against online fraud while maintaining the convenience of card payments. Because each virtual number is tied to your Citi account rather than replacing it, purchases, rewards and billing continue to work as they normally would, but with an added layer of security for online transactions.

How to find your Citibank virtual card number

Eligible Citi cardholders can create a Virtual Account Number through their online account, customise its settings and start using it for secure online purchases within minutes.

  • Sign in: Log in to your Citi Online account using your username and password, then access the credit card eligible for Citi Virtual Account Numbers.
  • Open card: Select your eligible Citi credit card and navigate to the Virtual Account Numbers feature, where you can create and manage temporary card numbers.
  • Create number: Generate a new Virtual Account Number and customise settings such as the expiration date and spending limit to suit your planned purchase.
  • View details: Once generated, copy the virtual card number, expiration date and security code displayed on the screen for your online transaction.
  • Use online: Enter the Virtual Account Number at checkout instead of your physical card details to complete eligible online purchases with an added layer of security.

Also read: How to pay online and in stores worldwide with your phone

Best ways to use your Citibank virtual card for safer online payments

Citibank Virtual Account Numbers are most effective for online purchases where extra security matters, helping protect your real card details without changing how you pay.

  • Subscription services: Use a Virtual Account Number when paying for streaming platforms, software licences or cloud storage. Setting an expiration date or spending limit can help you manage recurring payments and reduce the impact of unauthorised charges if your payment details are compromised.
  • One-time purchases: When shopping from a retailer you don't expect to use again, generate a new Virtual Account Number instead of sharing your permanent card details. This keeps your actual Citi card number hidden while completing the purchase normally.
  • Unfamiliar websites: Buying from a merchant you've never used before carries some risk. A Citibank Virtual Account Number adds another layer of protection because the temporary number can be limited or replaced without affecting your physical credit card.
  • Checkout process: Enter the Virtual Account Number, expiration date and security code exactly as you would a regular Citi credit card. If the merchant accepts Mastercard or Visa, depending on your Citi card, the payment is processed through your linked account.

What are the limitations of a Citibank virtual card?

Citi Virtual Account Numbers improve online payment security, but they are not available to every Citi customer. Not all Citi credit cards support the feature, and availability may vary by card type and country. Before looking for the option in your online account, confirm that your card is eligible for Citi Virtual Account Numbers.

There are also practical limitations to keep in mind. Virtual Account Numbers are designed primarily for online purchases and generally cannot be used for in-store transactions. Some merchants that require the original card at the point of collection, such as certain hotels or car rental companies, may reject them. In addition, some recurring subscriptions and automatic billing arrangements may not work if the virtual number expires or reaches its spending limit. Finally, not every online merchant accepts virtual card numbers, so your physical Citi card may still be needed in some situations.

Also read: Grey card vs other virtual cards: What you should know

Best alternatives to Citibank virtual cards

If your Citi card isn't eligible or you need more flexibility, several banks and fintech companies offer virtual cards designed for different spending needs and international payments.

  • Grey virtual card: Best for freelancers, remote workers and global earners. Fund your virtual Visa card with USD, GBP or EUR balances and use it for secure online shopping and international payments.
  • Capital One: Eligible Capital One credit cardholders can generate virtual card numbers for online purchases, making it a strong option for customers who already bank within the Capital One ecosystem.
  • Chase: Selected Chase credit cards include virtual card features that help protect your actual card number during online shopping while maintaining access to your existing rewards and account benefits.
  • Wise: Wise offers virtual cards in supported regions, making them ideal for travellers and international shoppers who regularly spend across multiple currencies using their Wise account balance.
  • Revolut: Revolut provides standard and disposable virtual cards, giving users extra protection when shopping online or paying unfamiliar merchants while managing spending directly from the app.
  • Bank virtual cards: Many traditional banks now offer virtual card numbers for eligible credit cardholders. If you already have a credit card, check with your bank before opening a new account elsewhere.

Frequently asked questions

Do all Citibank cards support virtual card numbers?

No. Citi Virtual Account Numbers are only available on eligible Citi credit cards, and availability depends on your card product and country. If you can't find the feature in your online account, your card may not qualify. Check Citi's documentation or contact customer support to confirm eligibility.

Can I use a Citibank virtual card for subscriptions?

Sometimes, but it depends on how you've configured the virtual number. If the card expires or has a spending limit that is reached, recurring payments may fail. For long-term subscriptions, it's important to choose settings that remain valid for the entire billing period.

How long does a Citibank virtual card number stay active?

A Citi Virtual Account Number remains active until the expiration date you choose or until it is cancelled, depending on the available settings. If the number expires before a merchant processes another payment, future transactions using that virtual number will be declined.

Can I generate multiple Citibank virtual cards?

Yes. Eligible Citi cardholders can generate multiple Virtual Account Numbers for different online purchases. Using separate numbers for different merchants helps reduce risk and makes it easier to replace a compromised virtual number without affecting payments made to other retailers.

What is the best alternative for international online shopping?

If you frequently buy from international websites or pay in foreign currencies, a virtual card linked to a multi-currency account is often the better choice. Platforms like Grey let you hold USD, GBP and EUR, making international online payments more convenient and cost-effective.

How do I get a Grey virtual card?

Open a Grey account, complete the required identity verification and fund your supported foreign currency wallet. Once you're eligible, you can instantly create a Grey virtual Visa card in the app and start paying securely at online merchants that accept Mastercard worldwide.

Citi Virtual Account Numbers add an extra layer of security to online shopping, but they aren't available to every cardholder. For a virtual Mastercard built for global spending, open a Grey account or download the app to get instant access and pay online using your USD, GBP or EUR balance.

Last updated:

August 14, 2026

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7 places to find high paying remote jobs in Kenya

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2 min read

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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The best countries in Europe to land a remote job

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2 min read

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

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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

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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

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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

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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

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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

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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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How to get paid by Amazon in India with Grey

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2 min read

Working with Amazon — whether through their Associates program, KDP, or as a seller — is a great way for freelancers in India to earn in USD, GBP, or EUR. But if you’ve tried receiving  international payments from these apps, you’ve probably hit a few snags.

Traditional bank accounts don’t always cut it. Gift cards might be convenient for shopping, but they don’t help when you need to pay rent or send money home. In this article, we'll discuss  a modern payment solution designed for global freelancers and how you can use Grey to get paid by Amazon in India and convert your earnings into INR.

What are your options for Amazon payments in India?

As an Indian freelancer or seller working with Amazon, there are two main ways to receive your payouts:

1. Amazon gift cards

These are issued in lieu of direct cash and can be used for Amazon purchases. While they’re handy, they have limitations: you can’t use them outside the Amazon platform, and they don’t support essential needs like savings or paying local bills.

2. International bank accounts

Amazon now supports direct deposits to accounts in countries like the United States, United Kingdom, and the European Union. But here’s the catch — your local Indian bank, even if it’s a domiciliary account, might not qualify because it isn’t based in one of those supported countries.

Also read: How to receive Amazon payments with Grey

Why Grey is the best option for Indian freelancers

With Grey, you can open US, UK, and EU, bank accounts all from the comfort of your home in India. These accounts come with all the necessary banking details (like SWIFT codes and IBANs), which Amazon recognises.

Here’s what you can do with Grey:

  • Open USD, GBP, and EUR accounts
  • Receive Amazon payments directly
  • Convert foreign currency to INR at competitive rates
  • Withdraw to your local Indian bank account quickly
  • Manage everything via a simple mobile or web app

Types of Amazon payments you can receive with Grey

Grey supports payouts from multiple Amazon revenue streams, including:

  • Amazon Associates (affiliate commissions)
  • Amazon KDP (Kindle royalties)
  • Amazon FBA (fulfilment earnings)
  • Seller platform revenue
  • Royalties from self-published books

Step-by-step: Link your Grey account to Amazon

Once you’ve signed up and verified your identity on Grey, you’ll get access to international bank accounts. Here’s how to connect them to your Amazon profiles:

For Amazon Affiliates:

  1. Log in to your Amazon Associates account.
  2. Go to “Payment and Tax Information”.
  3. Click on “Change payment method” and select “Direct deposit”.
  4. Choose the country that matches your Grey account’s location (e.g., United States or United Kingdom).
  5. Fill in your Grey account details and submit.

For Amazon KDP:

  1. Log in to your Amazon KDP dashboard.
  2. Navigate to “Your Account”.
  3. Under “Getting Paid”, select “Add a Bank Account”.
  4. Enter your Grey account details and save.

How to withdraw your earnings to your Indian bank

Once your Amazon funds land in your Grey account, you can easily convert and send them home. Here’s how:

  1. Open your Grey app or web dashboard.
  2. Click on the foreign currency balance (e.g., USD).
  3. Tap “Swap” to convert the currency to INR.
  4. Once converted, tap “Send” and enter your Indian bank account details.
  5. Your funds will arrive in minutes.

You may also like: How to open US, UK and Euro bank accounts in India

Why more freelancers in India are choosing Grey

Grey isn’t just a tool for payments; it’s built around the needs of global freelancers. Grey saves you from high fees, exchange rate losses, and platform limitations. And you gain full full control of your income, wherever your clients are based.

Get started with Grey today

If you’re tired of complicated payment systems or getting paid in gift cards, it’s time to switch to something that works for you. With Grey, you can focus on building your Amazon business while enjoying truly inclusive global banking with Grey.

Sign up for a free Grey account and start receiving your Amazon payments in USD, GBP, or EUR.

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How to find high-paying clients as a freelancer in Africa

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2 min read

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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Freelancer's guide to handling currency fluctuations

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2 min read

One of the most frustrating things about freelancing for international clients is watching your hard-earned money shrink because of currency fluctuations.

Let’s say you land a $1,000 gig from a UK client. When you convert that payment to your local currency, the rate may have dipped, and now you’re left with far less than expected. It’s a painful but common reality for freelancers around the world. Currency swings can quietly eat into your income.

The good news, however, is that you don’t have to be at the mercy of the market. With a few smart strategies (and the right tools), you can protect your income and make every dollar, pound, or euro count.

I’ll break it all down for you.

Why currency fluctuations affect freelancers

Freelancers working with international clients often get paid in foreign currencies like USD, GBP, or EUR. This exposes them to exchange rate fluctuations, which leaves them open to risk. Sometimes, that risk works in their favour. More often than not, it doesn’t.

Here’s what that looks like. A Nigerian freelancer receives $500, but the rate drops just before converting to naira. The result? You get less money than expected for the same work.

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

Common currency risks freelancers face

Payment delays: Your client pays a few days late, and the exchange rate takes a hit in the meantime.

Unfavourable conversion timing: You convert your money during a low, not knowing the rate was better yesterday or may be better tomorrow.

Hidden bank fees: Traditional banks or payment platforms often sneak in poor exchange rates with high margins.

Forced conversions: Some platforms automatically convert your earnings into your local currency, even if the rate is terrible.

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

Practical tips to handle currency fluctuations for freelancers

Here are some tips that can help freelancers maximise their earnings despite currency fluctuations.

Hold foreign currencies when possible

Instead of converting your payment immediately, hold onto your funds in USD, GBP, or EUR until the rate is better. This gives you more control over when and how you convert your money.

To do this, you need a multi-currency account (don’t worry, we’ll show you how to set one up with Grey).

Use rate alerts and trackers

There are free tools like XE and Wise that let you set exchange rate alerts. Grey’s currency converter also does an excellent job of tracking conversion rates. These tell you when your preferred rate is available. This way, you can time your conversions better.

Invoice in stronger currencies

If your local currency is unstable, negotiate to get paid in a more stable currency like USD or GBP. You can also include a “currency fluctuation clause” in your invoice to cushion losses.

Diversify your client base

If all your clients pay you in the same currency and that currency suddenly loses value, your income takes a hit. But if you have clients from different countries — paying in USD, euros, pounds, or others — you’re less likely to feel the impact. It’s a smart way to protect your earnings and keep your income stable.

Why Grey is the smartest way to manage multiple currencies

Now, let’s talk about the real game-changer — Grey.

Grey is a digital platform that gives you virtual bank accounts in USD, GBP, and EUR — all without needing to set foot in the US or UK. That means you can receive payments like a local from your international clients, and convert only when the rates are in your favour.

Here’s why Grey is a freelancer’s best friend:

  • Multi-currency wallets: Hold your money in different currencies. No forced conversions.
  • Best exchange rates: Convert your earnings at real-time rates without ridiculous markups.
  • Fast payments: Get your money in minutes, not days.
  • Full control: Decide when to convert, when to hold, and when to withdraw.

Remember that $1,000 gig from your UK client? With Grey, you can keep it in GBP, watch the rates, and convert to your local currency when the time is right.

How to open a Grey account

Opening a Grey account is simple and free. Here’s how:

  1. Sign up: Visit Grey.co or download the Grey app on iOS or Android.
  2. Verify your identity: Upload your ID, proof of address, and a selfie.
  3. Get your foreign bank accounts: Instantly access virtual accounts in USD, GBP, and EUR.
  4. Start receiving payments: Share your new account details with clients and platforms like Upwork and Fiverr.
  5. Convert & withdraw: Convert to your local currency when it makes the most sense — and withdraw to your local bank account.

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

Currency fluctuations aren’t going anywhere. But that doesn’t mean you have to lose out. You can take control of your income by holding foreign currencies, watching the market, and using a platform like Grey.

So the next time you get paid from overseas, don’t just convert and hope for the best. Be strategic. 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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Best platforms to find remote jobs for freelancers in 2025

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2 min read

The global shift towards flexible working has created new opportunities for freelancers, especially in emerging markets. Clients and companies are more open to hiring international talent, thanks to tools that make communication, collaboration, and payments seamless.

Still, finding remote work isn’t always as easy as it sounds. You need to know where to look — and more importantly, which platforms offer real, high-quality opportunities instead of low-paying gigs. In this article, I’ll be listing some of the best platforms to find these remote jobs and what makes each one stand out.

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

Top platforms for remote freelancers in 2025

Here are some of the best platforms to find these remote jobs and what makes them stand out.

1. Upwork

Still one of the most reliable freelancing platforms in the world, Upwork connects freelancers with clients in tech, marketing, customer service, and more. Its intuitive dashboard, secure payment system, and massive job volume make it ideal for both beginners and seasoned professionals. In 2025, Upwork continues to offer skill-based matchmaking features that help clients find the best talent faster. This means if your profile is optimised, you’ll stand out.

2. Toptal

Toptal is known for its high-quality talent pool and rigorous vetting process. Only the top 3% of applicants are accepted, but once you’re in, you gain access to premium clients — think Fortune 500 companies and fast-growing startups. It’s an ideal platform for developers, finance experts, designers, and project managers.

3. Contra

Contra focuses on flexible, commission-free freelancing for independent creators. With a sleek interface and a community-first approach, Contra is perfect for digital professionals like marketers, writers, designers, and developers who want to work with startups and creators globally.

4. We Work Remotely

We Work Remotely is one of the oldest and most trusted job boards for fully remote jobs. While it’s not a bidding platform, it regularly features job listings from reputable global companies looking for remote talent. Roles range from programming and design to sales, support, and content.

5. FlexJobs

FlexJobs stands out for its curated list of flexible and remote jobs. Every job is hand-screened for legitimacy, making it a trustworthy platform for finding long-term freelance gigs. FlexJobs has roles across every industry, including education, healthcare, and finance.

6. Freelancer.com

Freelancer.com remains popular for its wide variety of job listings and global client base. It’s especially useful for freelancers starting out and looking to build a portfolio. The platform also offers competitions, allowing freelancers to showcase their skills and win projects based on merit.

7. Remote OK

Remote OK has a user-friendly interface and tags jobs by category, company, and even salary range. It’s a great place to find tech-centric remote work, including software development, DevOps, product management, and UI/UX design.

8. Working Nomads

Working Nomads is ideal for digital nomads and remote-first workers. This platform curates a list of quality remote job listings across multiple industries. It’s a good fit for freelancers who are always on the move and need flexible opportunities they can do from anywhere.

9. Fiverr

Fiverr has grown far beyond its original “$5 gig” reputation. Today, it’s a global freelance marketplace where professionals in design, writing, tech, video, marketing, and more offer services starting at any price point. Fiverr continues to be a go-to for freelancers who want more control over their offerings, pricing, and delivery timelines. It’s ideal for creatives and service providers who want to build a scalable online business around their skills.

10. PeoplePerHour

PeoplePerHour uses an AI system to match freelancers with projects. It’s especially popular in the UK and Europe, offering both hourly and fixed-price projects for designers, marketers, developers, and content writers.

Also read: How freelancers in Nigeria can receive payments from US, UK & EU clients

Final tips for finding freelance success in 2025

To land the best freelancing jobs, here’s how to stand out:

  • Build a strong portfolio: Clients want to see proof of your work, so include past projects and testimonials.
  • Optimise your profile: Use relevant keywords, write a strong bio, and highlight your niche expertise.
  • Stay active: Check platforms regularly and apply to jobs quickly. Some gigs are filled within hours.
  • Set fair rates: Price your services based on value, not just competition. High-paying clients are looking for quality.
  • Communicate clearly: Respond promptly, ask questions, and maintain professionalism throughout your client interactions.

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

The platforms listed above can help you connect with clients from around the world, and with Grey by your side, getting paid is just as simple. 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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