Sorry, I should clarify this. Withdrawing funds from a Payoneer account directly to your local bank account involves the minimum withdrawal of $500. However, you could load the funds in your Payoneer account onto your Payoneer debit card and then use it as you would any other pre-loaded debit card. I've only ever used the former approach (i.e. withdrawal to my bank account) so I can't comment on the latter.
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