Local Funds Transfer is the best option for you.
Where Payoneer might sound feasible, please read this about Payoneer:
- It takes about a month if everything is perfect and if there are any flaws or issues while you were registering your account on Payoneer, it can take a lifetime to get the card - or even, you never get the card.
- Payoneer charges a lot, they have card activation fee, withdrawal fees (everytime you withdraw an amount from ATM), transfer fee (when you transfer your funds from freelancing platform to Payoneer, e.g. Upwork to Payoneer), and annual fee as well.
- There are certain withdrawal limits on ATMs and it varies from ATM to ATM. So if you have 5000USD and ATM withdrawal limit is just 20000 PKR (200USD), which is on many ATMs, that means you have to do many transaction to get 5000USD and you will be charged an ATM withdrawal fee on each transaction. So end of the day, you end up paying a lot!
So with Local Funds Transfer you only get charged $5 (that too by UpWork) on each withdrawal and you get your payments sent directly to your bank account within 1-2 working days. Let me know if you have any questions.