How to collect international creator funds in local currency

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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‍Freelancing opens doors to global opportunities, but managing international payments can be challenging. With various currencies, fees, and transfer times to consider, choosing the right payment platform is crucial for freelancers. In this guide, we'll explore the best international payment platforms for 2025, helping you find the right solution to simplify your payments and grow your freelance career.

Why global payment platforms are essential for freelancers

1. Reliable income access: Freelancers often work with clients across borders. A good payment platform ensures you can receive your earnings smoothly, regardless of where your clients are located.
2. Currency conversion ease: International platforms handle multiple currencies. This allows you to get paid in United States Dollar (USD), Great British Pounds (GBP), Euros (EUR), and easily convert to your local currency without complications.
3. Financial flexibility: With the right platform, you gain access to other tools such as virtual cards, savings features, or instant transfers, which help manage your income more efficiently.
4. Trust and security: Freelancers need platforms that protect against fraud, offer dispute resolution, and ensure timely payments. Trustworthy systems give peace of mind as your client base grows globally.

Also read: The best international bank accounts for freelancers and remote workers

Key factors to consider when selecting a payment platform

1. Supported countries and currencies: Make sure the platform supports your country and the currency your clients use. Some platforms aren't available everywhere, so it's good to confirm before signing up.
2. Transaction fees and exchange rates: Some platforms offer low fees but poor exchange rates, while others have higher fees but competitive rates that give you better value overall. Look for a platform that's transparent and offers a good balance.
3. Payment speed: Some platforms process withdrawals in 2-5 days, while others offer instant or same-day payments. Pick a platform that matches your cash flow needs.
4. Ease of use: As a freelancer, you want a clean, easy-to-navigate dashboard with reliable customer support, making your financial life easier.

Also read: 11 must-have tools for freelancers in 2024

Top payment platforms for freelancers in 2025

Grey (recommended)

Grey is an excellent option for freelancers in Africa and other emerging markets. It offers US, UK, and EU accounts, competitive exchange rates, and a free virtual USD card. With fast transfers and clear fees, it's ideal for beginners and experienced freelancers alike.

Also read: How to price your freelance services to earn in USD

Payoneer

Well-suited for freelancers who work on platforms like Upwork or Fiverr, Payoneer offers multi-currency accounts and smooth global transfers. It’s widely accepted and offers prepaid MasterCard options.

Wise

Perfect for freelancers who need to invoice global clients. Wise supports payments in over 40 currencies, offers one of the best exchange rates, and has a user-friendly interface with real-time payment tracking.

Paypal

Still one of the most widely used platforms for international freelance payments. While the fees can be high and exchange rates unfavourable, it remains reliable and globally recognised. Best used with clients who already prefer it.

Managing your freelancing earnings with Grey

Choosing the best international payment platform as a freelancer depends on several factors, from your location to the countries your clients operate in. Grey stands out as a trusted global option, offering freelancers access to US, UK, and EU bank accounts with transparent fees and competitive exchange rates. Whether you're just starting out or scaling your freelance business, Grey helps simplify global earnings. Sign up today or download the mobile app to get started.

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Africa’s youthful population and brilliant minds make the continent a budding hub of freelancers and a reliable labour market for clients. Between Nigeria, Kenya, and South Africa, there are over 17.5 million freelancers according to a report by the World Bank.

However, many freelancers in Africa still experience hassles when making transactions. Due to the delays and paperwork traditional banks require, many freelancers now opt for mobile banking apps.

If you are a freelancer in Africa looking for the best mobile banking app to manage your finances, we’ve got you.

Choosing the best mobile banking apps for freelancers in Africa

Mobile banking apps offer convenience and swift transactions. Besides these benefits, here are some major points you should consider when choosing a mobile banking app.

Transaction fees

Consider the fees associated with sending and receiving payments. You should not have to lose much to transactions and hidden charges.

Currency exchange rates

If you will receive payments in foreign currencies, you must choose apps with competitive exchange rates.

Payment options

Consider the app’s range of payment options. This offers you more flexibility when funding your account.

Customer support

Freelancers need reliable customer support to address any issues or inquiries. Opt for platforms where you can easily access their customer support.

Security features

To ensure your earnings and data are safe, choose a mobile banking app with robust security measures. Multi-factor authentication and encryption should be used to protect sensitive financial information.

App usability

The app should be user-friendly and intuitive. It should be easy to navigate and manage transactions.

Additional features

Consider features like invoice tracking, budgeting tools, and integration with accounting software. This should help you streamline your freelance finances.

International payment support

If you work with international clients, ensure the app supports international payments with reasonable fees.

Multi-currency account

Choose a platform that allows you to receive money in other currencies like USD, GBP and EUR. This reduces the need for currency conversion and opens you to the global market.

Best mobile banking apps for freelancers in Africa

Considering these factors, here are some of the best mobile banking apps for freelancers in Africa.

Grey (Recommended)

Grey is a digital banking solution that offers freelancers multi-currency accounts. You can hold, send and receive payments in USD, GBP and EURs or convert to local currencies at competitive rates. Grey also offers a versatile virtual USD debit card for easy online payments. With low transaction fees and no hidden charges, Grey is the one of the best apps for freelancers in Africa. Aside from its robust security offering, freelancers can also use the invoicing feature to create and send invoices to their clients, thus simplifying their finances. Grey integrates seamlessly with the popular freelancing platforms, including Fiverr and Upwork.

Read also: Top digital nomad cities for long-term rentals in Africa

Payoneer

This is a well-known platform that lets freelancers receive payments in multiple currencies. Payoneer provides a prepaid Mastercard for easy spending. The payment platform easily integrates with major freelancing platforms and offers multi-currency accounts.

Wise

Wise provides a multi-currency account with low fees and real exchange rates, allowing freelancers to hold and manage various currencies. You can withdraw funds to most African bank accounts, and the customer support is remarkable.

Chipper Cash

Chipper Cash is a digital wallet that facilitates international transactions and remittances across Africa. It offers a Chipper Cash virtual card for online payments on websites that accept Visa or Mastercard.

Geegpay

This is an emerging favourite among freelancers. Geegpay by Raenest is designed for freelancers. It offers virtual USD, GBP, and EUR accounts and a USD virtual debit card for global expenses. Users can also automate invoicing and send it to their clients.

Read also: Navigating forex regulations as a freelancer in Africa

Managing your freelance earnings with Grey

Freelancers in Africa can now easily manage their financing with reliable mobile banking apps. Grey is one of the best banking apps for freelancers in Africa, and it has robust security and excellent customer support. The fintech solution offers multi-currency accounts that allow users to open USD, GBP, and EUR bank accounts from Africa in a few minutes.

Freelancers can streamline their finances with Grey’s invoicing tool, virtual USD card, and competitive exchange rates.

Sign up with Grey today or download the app to enjoy a seamless mobile banking experience.

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As the freelancing community in South Africa continues to grow, a lingering concern for many newcomers is how to manage freelance income and taxes in South Africa. While freelancing offers flexibility and autonomy, it also comes with managing your income and tax obligations.

Understanding how to manage your freelance earnings and taxes helps you comply with the law.

This article is a comprehensive guide to help you understand managing freelance income and taxes in South Africa.

Are freelancers required to pay taxes in South Africa?

Yes, if you are a freelancer in South Africa, you are obligated to pay taxes on your freelancing income. Freelancers are considered sole proprietors or self-employed individuals. This means you are responsible for declaring your income and paying taxes to the South African Revenue Service (SARS). Failing to do so can result in penalties and interest.

You are required to:

• Register as a taxpayer if your annual income exceeds the tax threshold.
• Submit an annual income tax return (ITR12).
• Pay provisional tax if your income is not subject to regular PAYE (Pay As You Earn) deductions.

How do you register as a provisional taxpayer?

Freelancers typically do not have employers deducting tax from their income. The SARS requires you to pay provisional tax twice a year (and possibly a third time, if necessary). To register as a provisional taxpayer and make these payments in:

• August (first provisional payment): This is usually based on your estimated annual taxable income.
• February (second provisional payment): This is usually the final tax due for that year and is based on any changes in your freelance earnings.
• September (optional third or “top-up” payment): This is a top-up payment if you previously underpaid your taxes or wish to pay more tax voluntarily.

Read also: The best digital nomad jobs to earn from anywhere in South Africa

How do you keep accurate records of your finances?

Effective record-keeping is essential for managing freelance income. Keep detailed records of:

• Invoices issued and payments received
• Business-related expenses (e.g. internet, equipment, software subscriptions, travel)
• Bank statements and receipts

These records are important for calculating your taxable income and for justifying deductions in case of a SARS audit. Using an automated invoicing tool like Grey’s can help you keep track of your income without stress.

Another suggestion is to have a separate bank account for your freelance earnings. This can help you track income and expenses more efficiently. It also makes it easier to set aside funds for tax payments and avoid mixing personal and business finances. You can open an account on a digital payment platform like Grey to receive money in USD, GBP and EUR from your international clients.

How do I know how much tax to pay as a freelancer in South Africa?

First, estimate your taxable freelancing income. This entails subtracting your allowable business expenses from your total earnings. Then, check how much you need to pay for that year on the SARS tax tables. Divide the tax into two. Pay the first half in August and the other half in February. If you made more money that year, pay a top-up in September.

Tips for managing income taxes as a freelancer in South Africa

Here are some ideas to help you simplify paying taxes in South Africa and maximise your income.

• Set aside money for taxes.

Unlike salary earners, you don’t have tax automatically deducted from your earnings. Earmark 25–30% of your income for tax purposes. This helps ensure you have enough funds when it’s time to pay your provisional or annual tax.

Read also: Navigating forex regulations as a freelancer in Africa

• Take advantage of allowable deductions.

You can reduce your taxable income by claiming business-related expenses. SARS allows deductions for:

• Office rent or a portion of your home if used as a home office
• Office equipment and supplies
• Business travel and communication expenses
• Professional fees and insurance

Ensure you keep supporting documentation for all claims. It is also important to consult a tax professional to be sure of what expenses are valid.

• File your tax returns early.

Ensure that your tax returns are submitted to SARS before the deadline each year. Late submissions can result in penalties and interest on outstanding taxes. SARS usually opens the annual filing season around July. They’ll announce deadlines through their website and social media accounts.

• Keep up with tax law changes.

Tax laws in South Africa can change from year to year. Stay informed through the official SARS website, financial news outlets, or a tax advisor to ensure your freelance tax strategy remains compliant and optimised.

Read also: How to handle foreign income taxes as a remote worker

Managing your freelancing income with Grey

Managing freelance income and taxes in South Africa requires discipline, organisation, and understanding the country’s tax regulations.

Grey helps freelancers streamline their finances by offering multi-currency accounts and an automated invoicing tool. This means you can receive money from your international clients in USD, GBP and EUR in one place and keep accurate records.

Get started on Grey today and download the app to manage freelance income and taxes in South Africa seamlessly.

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With the rise of remote work and global opportunities, more freelancers are tapping into international markets to earn in stronger currencies like the US dollar (USD). However, pricing your services right can be the difference between thriving and simply getting by. This guide walks you through how to price your freelance services to earn in USD, what factors to consider and how   using Grey can help you  manage   your income more efficiently.

Also read: Let’s talk about pricing your freelance services

Factors to consider when pricing your services

• Skill level and experience: The more specialised or in-demand your expertise, the higher your rate should be.
• Project complexity: A one-page flyer is very different from a full branding and marketing strategy. Consider the time, research, and skill involved.
• Client budget and location: Clients in the US, UK, or Canada often have larger budgets than local clients, so adjust your rates accordingly.
• Deliverables and timeline: Fast turnarounds or multiple revisions should attract a premium fee.

Also read: Essential guide to protecting intellectual property for freelancers

Pricing models that work for freelancers

• Hourly rates: Useful for ongoing or time-based work. Tools like Toggl and Harvest help track time.
• Project-based pricing: Better for defined deliverables like websites, content calendars, or product photography.
• Retainer agreements: Best for long-term clients with consistent work (e.g., $800/month for social media management).
• Value-based pricing: Charge based on the results you deliver. If your email campaign brings in $10,000 in sales, charging over $1,500 is fair.

Also read: Time tracking and invoicing solutions for freelancers

Why you should use Grey to earn in USD

• Receive USD with ease: Grey gives you access to  international bank accounts so you can receive money directly from foreign clients.
• Faster withdrawals: Unlike traditional bank transfers, which may take days, Grey typically processes withdrawals in less than 24 hours.
• Favourable exchange rates: Convert your USD to your local currency at rates better than what most traditional banks offer.
• Convenience and flexibility: With Grey, you can also hold funds in USD or convert only when needed, helping you manage currency fluctuations more effectively.

Also read: How international banking works for freelancers and independent contractors

A smarter way to earn in USD

Pricing your freelance services in USD helps you tap into global markets and significantly increase your earnings. By considering key pricing factors, using trusted platforms, and adopting the right payment models, you can position yourself for consistent, high-value international work.

Sign up for Grey today and start receiving USD payments effortlessly

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