--- title: "Cleva vs Grey vs Raenest: Fees, Accounts, Payouts" description: "Compare Cleva vs Grey vs Raenest on fees, FX, currency accounts, payout reach, cards, support, and Africa availability for freelancers and businesses." canonical_url: "https://liners.com/compare/cleva-vs-grey-vs-raenest" markdown_url: "https://liners.com/compare/cleva-vs-grey-vs-raenest.md" type: "article" language: "en" published_at: "2026-08-25T13:09:31.063Z" updated_at: "2026-08-25T13:09:31.076Z" --- # Cleva vs Grey vs Raenest: Fees, Accounts, Payouts Compare Cleva vs Grey vs Raenest on fees, FX, currency accounts, payout reach, cards, support, and Africa availability for freelancers and businesses. ## Breadcrumbs - [Comparisons](/compare) - [Cleva vs Grey vs Raenest: Complete Comparison (2026)](/compare/cleva-vs-grey-vs-raenest) ## Comparison Cleva is the simplest pick if you mainly need a low-cost USD account and cheap conversion to local currency. Grey is strongest for multi-currency accounts and broad USD payout reach, but fees can stack across deposits, FX, and withdrawals. Raenest is a strong all-rounder for multi-currency plus business tools and payouts to 70+ countries, with some corridor-dependent fees to confirm. Choose \[Cleva\](/cleva) if your workflow is primarily “get paid in USD, then convert and withdraw locally” and you value a simpler fee model. Its capped USD deposit pricing and commonly free FX and local transfers can make total costs easier to predict for freelancers, especially at moderate ticket sizes. Choose \[Grey\](/grey) if you need multi-currency receiving (USD, GBP, EUR) and broad outbound reach, including fast USD transfers to many countries, and you are comfortable navigating a more detailed schedule where deposit, FX, and withdrawal fees can add up. Choose \[Raenest\](/raenest) if you want multi-currency receiving plus wide payout coverage (including mobile money in some African markets) and freelancer or business tooling (invoices, payment links, team cards). It is often a strong all-round option, but some incoming fee items are corridor-specific, so you should confirm the exact receiving and payout fees for your country and rails in-app before committing. ## Analysis Cleva, [Grey](/grey), and [Raenest](/raenest) all solve a similar problem for African freelancers and businesses: getting paid internationally (often in USD, GBP, or EUR) without relying on expensive traditional bank wires, then spending online and withdrawing locally. Where they differ is mainly focus and tradeoffs. [Cleva](/cleva) is purpose-built around a USD account experience for African users, emphasizing capped deposit fees and (in many cases) free conversion and local withdrawals. That simplicity can be a big advantage if most of your income is USD and you just need predictable costs, a virtual card, and fast local settlement. Grey takes a broader “global wallet” approach with multi-currency foreign accounts (commonly USD, GBP, EUR), plus tools like transfers, cards, and money management features. Its fee schedule is more granular because it supports multiple receiving rails (ACH, SEPA, FPS, wires) and typically charges across deposits, FX, and some withdrawals. Raenest sits between the two for many users: multi-currency accounts plus strong payout coverage (including bank and mobile money in many markets), and extra freelancer and business tools like invoices and payment links. For teams and businesses that need both getting paid and paying out across borders, the product scope can matter as much as raw fees. If you are comparing these three, it usually comes down to (1) which currencies you must receive, (2) where you need to pay out (Africa only vs global), and (3) how sensitive you are to stacked fees versus corridor coverage and tools. ## Criteria | Criterion | Product | Rating | Summary | | --- | --- | --- | --- | | Pricing | Cleva | 8 | Strong for USD-first users, with capped deposit fees and often free FX and local withdrawals. | | Pricing | Grey | 7 | Transparent caps, but fees can stack across deposit, FX, and withdrawal. | | Pricing | Raenest | 7 | Competitive on some receiving rails and payouts, but corridor-specific fees reduce predictability. | | Currency support and account options | Cleva | 6 | Best if you only need USD, limited if you require EUR/GBP accounts. | | Currency support and account options | Grey | 9 | Strong multi-currency foreign account offering (commonly USD, GBP, EUR). | | Currency support and account options | Raenest | 8 | Multi-currency accounts (USD, GBP, EUR) for individuals and businesses. | | Payout reach and local withdrawal options | Cleva | 7 | Strong for local withdrawals after USD receipt, less proven for broad global payouts. | | Payout reach and local withdrawal options | Grey | 9 | Notable global coverage, including USD transfers to 170+ countries in some corridors. | | Payout reach and local withdrawal options | Raenest | 8 | Wide payout coverage (70+ countries) including mobile money in some African markets. | | Cards and spending | Cleva | 7 | Good USD virtual card options, but cross-border fees and dispute fees are high. | | Cards and spending | Grey | 7 | Useful virtual card, but cross-border fees can add up for heavy spend. | | Cards and spending | Raenest | 6 | Card access is a plus, but per-transaction fees can be costly for small purchases. | | Freelancer and business features | Cleva | 6 | Focused on getting paid in USD and cashing out locally, fewer business ops tools. | | Freelancer and business features | Grey | 7 | Broader app toolkit, including invoicing and expense tools, alongside multi-currency accounts. | | Freelancer and business features | Raenest | 8 | Strong business and freelancer tooling, including invoices, payment links, and team cards. | | Trust, compliance, and support | Cleva | 7 | Generally strong support sentiment, but compliance holds and closures are a recurring complaint category. | | Trust, compliance, and support | Grey | 6 | Less independently verifiable support sentiment, strong transparency on fees but fewer support datapoints. | | Trust, compliance, and support | Raenest | 6 | Good overall app adoption signals, but mixed reviews on delays and “internal assessment” holds. | | Availability in Africa and local payments fit | Cleva | 7 | Africa-first orientation, especially strong for Nigeria-centric USD earnings workflows. | | Availability in Africa and local payments fit | Grey | 8 | Strong Africa presence plus broader international orientation, coverage varies by feature and corridor. | | Availability in Africa and local payments fit | Raenest | 8 | Broad payout coverage with many African destinations, including mobile money in select markets. | ## Related pages - [Grey](/grey) - [Raenest](/raenest) - [Cleva](/cleva) ## Access and citation - [Canonical HTML page](https://liners.com/compare/cleva-vs-grey-vs-raenest) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)