Which EOR is genuinely the cheapest in 2026?

Native Teams headlines from $99, Remofirst from $199. Whether either is genuinely cheapest depends on FX spread and deposit terms most providers don't publish. A 1.5 to 3% undisclosed FX margin adds $90 to $180 a month on a $60,000 salary. Get FX and deposit terms in writing before comparing totals.

What is an EOR FX margin and why does it matter for cost?

The FX margin is the difference between the rate an EOR applies to currency conversion and the mid-market rate. Industry analysis puts the typical undisclosed margin at 1.5 to 3%. On a $60,000 salary, 2% is $1,200 a year. Most providers do not publish their rate. Teamed absorbs FX at zero margin and shows it against mid-market; Remote shows it on the invoice after the fact; the rest publish nothing.

Do I have to pay a deposit to use an EOR?

It depends. Multiplier requires a deposit equal to notice-period salary before contract signing, per its Help Centre. Oyster requires a refundable deposit with no amount published. Remofirst reportedly holds roughly one month of gross salary per a secondary review. Teamed takes a one-month refundable deposit. Remote describes reserves as high-risk-cases-only. Native Teams publishes no mandatory deposit.

Is a $99 EOR provider safe to use for a long-term hire?

A low headline does not mean inadequate compliance, but it pays to check. For a single hire in a low-risk country, $99 to $199 EOR can be adequate. For hires in Germany, France or Brazil, or senior hires with complex contracts, compliance depth at the low end is materially lower. A contested termination handled through a partner network rather than an in-house legal expert usually costs more than the saving on the monthly fee.

Why does Teamed cost $599 when Native Teams charges $99?

Teamed's $599 includes FX at zero margin shown against mid-market, real HR and legal experts on every plan, and a path to your own entity. Native Teams' $99 rises with salary level per buyer reports, with no published FX basis. Whether the gap is worth it depends on salary, country and whether you need an expert at the hard moments.

How was this comparison verified, and how often is it updated?

Every figure is from the Teamed competitor fact-cache, verified 17 June 2026 against each provider pricing page, Help Centre and G2. Secondary-source figures are labelled. The FX range is industry analysis. Reviewed quarterly, pricing monthly.

Cheapest EOR providers · 2026

The cheapest EOR providers in 2026, scored on total cost

Headline fees run from $99 to $699 per employee per month in 2026. Native Teams and Remofirst sit at the low end. An undisclosed FX margin in the 1.5 to 3% industry range can close that gap on a single hire, so the cheapest invoice rarely comes from the provider with the lowest headline. Eight providers scored on affordability, transparency, compliance depth, flexibility and support.

Get a real quote

Rated 4.8 on G2 for service

8
EOR providers scored on one rubric: From $99
Lowest published EOR headline fee: 1.5-3%
Industry FX range that most providers do not publish

Disclosure

This guide was produced by Teamed, which is one of the eight providers scored below on the same rubric as the rest. We don't crown an overall winner, we don't claim to be the cheapest on headline, and we say plainly where a lower-priced provider is the better fit. The FX and deposit terms that shift total cost are sourced from each provider's own pricing page or help centre.

Last reviewed 22 June 2026By Tom Price-Daniel, Co-founder, Teamed

Which EOR providers are the cheapest in 2026?

What is the cheapest EOR provider?

The cheapest EOR provider is the one that costs least once you add currency conversion, deposits and any advisory fees to the headline service charge. EOR (Employer of Record) means a provider legally employs your people abroad through local entities, issues the contract, runs payroll, remits income tax and statutory contributions, and carries the legal employer obligations while you direct the work. Headline fees across the eight providers here run from $99 to $699 per employee per month.

The gap between headline and total is usually currency conversion. An undisclosed FX margin in the 1.5 to 3% industry range adds roughly $90 to $180 a month on a $60,000 salary, which can close the distance between a $99 headline and a $599 one on a single hire. Several providers also require a deposit equal to one or two months of gross salary before the contract is signed, a cash requirement not shown on the marketing page. The providers scoring highest on cost transparency below publish their FX basis and show the applied rate on every invoice. The ones scoring lowest publish nothing.

Methodology

How we scored this comparison

Eight providers are scored 1 to 5 on five criteria tied to total cost decisions for price-sensitive buyers. There's no weighted total and no overall winner. Different providers lead different columns: Native Teams and Remofirst lead headline affordability, Teamed leads cost transparency and support quality, Teamed and Remote share the compliance column. The cheapest invoice does not always come from the lowest headline.

Headline affordability: The published per-employee monthly EOR fee. The number on the pricing page before adding salary, statutory costs, FX or deposits. Scored high for the lowest published base; scored low for the highest or a quote-only barrier.
Total cost clarity: Whether FX terms, deposit requirements and additional fees are disclosed upfront on the pricing page. Scored high when the FX basis is published, the applied rate appears on the invoice and there are no undisclosed cash requirements. Scored low when the pricing page shows a headline only.
Compliance for the price: Legal and employment-law depth relative to the fee. In-house HR and legal experts, owned-entity share, and the ability to handle edge cases directly, such as a contested termination or a complex exit in a new jurisdiction. Cheap EOR that gets employment law wrong costs more in the long run.
Contract and billing terms: Month-to-month billing, no minimum commitment, no large upfront deposit and clear early-exit terms. A low headline with a 12-month lock-in or a two-month salary deposit changes the real cost of "cheap" for a small or fast-moving team.
Support quality for the price: What you actually get for the fee at the moment it matters. Real HR and legal experts reachable on the standard plan, not gated behind an enterprise tier or an AI bot wall. How fast a human responds to a hard question, a contested termination, or a new jurisdiction.

How we gathered evidence

Every competitor figure is read from the Teamed competitor fact-cache, last verified on 17 June 2026 against each provider's own pricing page, Help Centre and G2. Where a provider does not publish its FX terms or deposit requirement, we say so. Where a figure is sourced from a secondary review (eorHQ for Remofirst's deposit estimate), we label it as a secondary report. The FX range of 1.5 to 3% is industry analysis, kept unattributed per Teamed editorial policy. Teamed's claims come from teamed.global and KERNAL. Pricing re-verified for this page on 22 June 2026.

Considered & excluded

We scored the providers a price-conscious buyer evaluating their first or second EOR engagement would realistically shortlist, from the lowest published headlines to the mid-range flat-fee providers and the $599-plus names they will inevitably compare.

Rippling: EOR is a module on top of an HR platform with a separate base fee; a direct per-employee comparison with pure-play EOR prices misleads on total cost. Covered in the Rippling alternatives guide.
Papaya Global, G-P: Enterprise-oriented pricing (Papaya from $499, G-P quote-only) sits above the core price range this guide addresses; both are covered in the best-enterprise-EOR and deel-alternatives guides.

How they score, criterion by criterion

There’s no overall winner. Each column is a different priority. Pick the ones that matter to you, then read the write-ups below.

Provider	Headline affordability	Total cost clarity	Compliance for the price	Contract and billing terms	Support quality for the price
Teamed(us)		Leads	Leads	Leads	Leads
Native Teams	Leads
Remofirst
Velocity Global (now Pebl)
Multiplier
Deel
Remote
Oyster

Scored 1–5 on each criterion from the published rubric above. The highlighted cell leads that column. Teamed is scored on exactly the same criteria as every other provider.

Teamed

Us, scored on the same rubric

Best for: fast-growing companies that want the real cost upfront, a real person on every plan, and a partner that plugs into their HRIS rather than replacing it.

Teamed matches the $599 headline Deel and Remote publish, but its cost position is different. It absorbs FX at zero margin on the fee and shows the applied rate against a mid-market reference on every invoice. On a team of five employees across three currencies, that transparency is worth several hundred dollars a month before you factor in advisory time.

The compliance and support model is included at the standard price. Real HR and legal experts with country-specific employment-law depth handle the hard moments directly, a contested termination, a Betriebsrat consultation in Germany, an exit in a jurisdiction the buyer has never touched before. There is no AI bot wall and no enterprise tier to unlock. Rated 4.8 on G2 for service.

Teamed is built to plug into the HRIS and payroll platforms you already run, not to replace them. GEMO sets up and runs your own legal entity in 90+ countries on the same system when you reach the point where EOR is no longer the right model. Teamed tells you when that is, models the crossover and helps you make the move. That is a thing most EORs don't do because it shortens the contract.

Countries: 180+ (owned entities in roughly 90 to 100 markets, vetted partners beyond)
Entity model: Owned entities in major markets, vetted partners elsewhere; sets up your own entity via GEMO in 90+
Onboarding: Supported by real HR and legal experts throughout
Contractors: Yes, with misclassification cover (Guard / Protect)
Pricing: $599 USD / £479 GBP / employee / month, flat, FX absorbed at zero margin · verified 2026-06-22
G2: 4.8/5

Strengths

Tells you the real cost of FX. The applied rate sits next to the mid-market reference, absorbed at zero margin on the fee, and Teamed models the month your own entity starts to beat EOR. Most competitors publish neither.
Real HR and legal experts on every plan, with country-specific employment-law depth on edge cases. No AI bot wall, no enterprise tier to unlock. Rated 4.8 on G2.
One partner from first contractor through EOR to your own legal entity, on one system, with no re-onboarding. GEMO sets up and runs your own entity in 90+ countries.
Designed to plug into your stack, not replace it. Works alongside the HRIS, payroll and finance tools you already run.

Watch-outs

Lighter self-serve platform and shallower API than Deel or Rippling. The model is advisory, not dashboard-first, which suits a team that wants a partner over a portal.
The $599 headline matches Deel and Remote but sits above the $99 to $399 end of this comparison. The advantage is in the line items, not the headline.
Smaller brand and review base than Deel or Remote. Less recognition with a procurement team that wants the market leader.

Source: teamed.global/pricing

Native Teams

Best for: micro-businesses and very price-sensitive teams that want the lowest published entry point and a strong contractor offering in a smaller country set.

Native Teams publishes the lowest EOR headline on this page, starting at $99 per employee per month, with a free admin account and no named setup or termination fees. The contractor offering is strong at multiple tiers, Contractor of Record from $99 and Contractor Pay from $19, and the platform includes a multi-currency wallet, expense cards and real-time payment tracking. It's the option to look at first if headline price is the primary filter.

The watch-outs are important for a price-led buyer. Buyers tell us the $99 rate applies to lower salary bands and rises with total employment cost, with one prospect reporting a quoted rate near EUR 200 to 300 after discounts, rather than the $99 headline. Its own pages are internally inconsistent on country coverage (95+ versus 85+) with no published owned-versus-partner split. The FX basis is stated as a real-time mid-rate, with no numeric spread disclosed.

Integration breadth is a gap. Native Teams publishes no live integrations directory and HRIS connectors are roadmap-only, which matters for any team running a modern stack. It does offer Entity Management from $149 a month and explicit help setting up a local entity, so the lifecycle angle exists. Ask about the countries you need, ask what the real rate is for your salary level, and get both in writing before you compare it with a $599 headline.

Countries: 95+ (coverage internally inconsistent across own pages; no owned-versus-partner split published)
Entity model: Claims owned entities in 95+ markets but its own pages are inconsistent (95+ vs 85+); no split published
Onboarding: Self-serve, markets 3x faster onboarding
Contractors: Yes, strong multi-tier (Contractor of Record from $99, Contractor Pay from $19)
Pricing: From $99 / employee / month (rises with total employment cost per buyer reports) · verified 2026-06-17
G2: 4.9/5 (210)

Strengths

The lowest published EOR entry point on this page, starting at $99 per employee per month, with a free admin account included and no named setup or termination fees.
A strong, multi-tier contractor offering with misclassification protection, multi-currency payments, expense cards and IP-rights language at the contractor tier.
Entity Management sold as a distinct product from $149 a month with explicit help opening a legal entity, giving a path from contractor through self-serve EOR to your own entity.
A payments-led platform with a multi-currency wallet, real-time payment tracking and a 4.9 G2 rating across roughly 210 reviews.

Watch-outs

Buyers tell us the $99 headline applies to lower salary bands and rises with total employment cost; its own pages are inconsistent on coverage (95+ versus 85+) with no owned-versus-partner split published. Get the real rate for your salary level in writing.
No live integrations directory and HRIS connectors are roadmap-only, a gap against any provider that needs to sync with an existing HR stack.
Discloses only a mid-rate FX basis with no numeric spread. Certifications are claimed with 'comply with' framing and no certificate number or scope published, so they cannot be independently verified.

Source: nativeteams.com/pricing

Remofirst

Best for: buyers that want a very low, published flat headline with no minimums and a genuinely free contractor tier, and are comfortable with a partner-led compliance model.

Remofirst is the second-cheapest headline here, from $199 per employee per month flat, with no setup, onboarding or termination fees and no annual contract. The contractor tier is one of the most accessible on the market: free for onboarding, identity checks, contract generation and expense reimbursement, with paid payments at $25 per contractor per month. That combination of a low EOR base and a free contractor entry point suits a team mixing employees and contractors across many countries.

The compliance model is partner-led. Remofirst attributes its 185+ country reach to a proprietary partner network rather than owned entities, and its own site does not foreground an in-house legal team. Secondary reviews flag thinner compliance depth in jurisdictions with detailed employment-law requirements, so ask specifically about your countries before signing. Its AI-native positioning ('AI where it matters, humans where it counts') means day-to-day support leans on automation with human backup.

The pricing page markets a transparent flat rate, but a secondary review reports a roughly one-month gross-salary deposit per employee held in advance, a cash requirement not shown on the marketing pages. The FX practice is not disclosed on the pricing page. At $199 it is a significant gap below the $399 to $599 mainstream, but pin down the deposit terms and the FX line before comparing the total. G2 rates it 4.5 across 338 reviews, a solid base for a Tier 2 provider.

Countries: EOR in 185+ countries; contractor management in over 150 countries
Entity model: Partner-led model; reach delivered through a proprietary partner network, not owned entities
Onboarding: Self-serve with a dedicated CSM; secondary reviews report roughly 5 to 10 business days
Contractors: Yes, free tier (onboarding, contracts, expenses) and paid payments at $25 per contractor per month
Pricing: From $199 / employee / month, flat (deposit reported by a secondary review; FX not published) · verified 2026-06-17
G2: 4.5/5 (338)

Strengths

Very low, published flat EOR headline of $199 per employee per month, with no setup, onboarding or termination fees and no annual contract or minimums.
A genuinely free contractor tier covering onboarding, identity checks, contract generation and expense reimbursement, plus paid multi-country payments at $25 per contractor per month.
Wide reach on the EOR product: 185+ countries via a proprietary partner network that claims 20+ years of global employment experience and $30 billion in processed payroll.
Solid trust signals: ISO 27001, SOC 2 Type II, GDPR, and a 4.5/5 G2 rating across 338 reviews. Named BambooHR integration shipped.

Watch-outs

Partner-led compliance model with no foregrounded in-house legal team. Secondary reviews flag thinner compliance depth in jurisdictions with detailed employment-law requirements such as Germany, France and Brazil.
A secondary review reports a roughly one-month gross-salary deposit per employee, held in advance, not shown on the marketing page. FX practice is not disclosed on the pricing page either.
No published own-entity transition path. Support responsiveness is measured in hours rather than minutes for non-urgent issues per secondary reviews, and the AI-native positioning means automation leads before a human steps in.

Source: remofirst.com/pricing

Velocity Global (now Pebl)

Best for: companies that want a low flat headline with broad reach and enterprise-grade certifications, and are comfortable with an AI-first day-to-day support model.

Velocity Global rebranded to Pebl in September 2025 and repositioned as an AI-first global hiring platform. Its own pricing page now publishes a single flat rate of $399 per employee per month, labelled as its lowest standard pricing ever, with a footnote that terms and conditions apply. For a buyer shopping on headline, it undercuts Deel and Remote by $200 a month while sitting above the lowest-price end of this guide.

The compliance posture is enterprise-grade. It owns entities in 65 markets out of 185+ country reach, and the remainder runs through a partner network. It holds ISO 27001:2022 and SOC 2 Type 2. The in-house legal team is backed by Baker McKenzie. The integration catalogue publishes 250+ connections across HRIS, finance and ATS. For a buyer that needs broad reach, a low flat headline and a deep certification stack, it is one of the more credible options at the price.

Day-to-day support runs through the Alfie AI assistant, which smart-routes to a human specialist when expertise is needed. That model suits buyers who want self-serve efficiency rather than a dedicated advisory relationship. The FX terms are not published anywhere on its own pages, and buyers and reviewers report an undisclosed FX spread, though neither detail appears on the company pages, so we frame them as reports. Get FX terms in writing on your specific payroll corridors.

Countries: 185+ reach; owned entities in 65 markets
Entity model: Owned entities in 65 markets, in-country partners for the rest
Onboarding: AI-led; markets onboarding in as little as 24 hours
Contractors: Yes, 180+ countries with localised contracts and automated payments
Pricing: $399 / employee / month, flat (FX terms not published; "Terms and conditions apply") · verified 2026-06-17
G2: 4.6/5

Strengths

A simple flat headline of $399 per employee per month on its own pricing page, one of the lowest published rates from a provider with enterprise-grade certifications.
Wide published reach of 185+ countries, owned entities in 65 markets, backed by an in-house legal team and Baker McKenzie.
Deep platform and integration catalogue: 250+ published integrations across HCM, HR, HRIS, ATS and finance, plus a centralised Global Work Platform.
ISO 27001:2022, SOC 2 Type 2 and GDPR, plus a full contractor-management offering across 180+ countries with localised contracts and automated payments.

Watch-outs

FX terms are not published anywhere on its own pages. Buyers and reviewers report an undisclosed FX spread and a refundable security deposit, but neither appears on the company pages, so we frame them as reports rather than facts.
Day-to-day support is AI-first through the Alfie assistant, smart-routing to a human specialist when expertise is needed. Not a human-led advisory model.
Most of its reach is partner-served, with owned entities in only 65 of 185+ countries, and the customer experience is still settling after the September 2025 rebrand to Pebl.

Source: hellopebl.com/eor-pricing

Multiplier

Best for: fast-scaling teams that want a modern, well-reviewed platform, human support on every plan and a sub-$500 published base, once the deposit and FX terms are confirmed in writing.

Multiplier publishes its EOR headline at starting from $400 per employee per month, one of the lowest prices from a provider with a modern product and human support included from day one. Its pricing page lists a flat fee for the EOR plan alongside a $40 contractor plan, with Global Payroll and Immigration routes via sales. The platform is well-reviewed at 4.7 on G2, onboarding is measured in hours, and the marketing positions zero FX conversion fees as a headline differentiator.

The total-cost picture is less clean than the marketing. Multiplier's own Help Centre states a deposit equal to notice-period salary is required before the contract is signed, plus monthly payroll pre-funding. Neither cash requirement appears on the marketing pages. The zero FX claim is a marketing position; the Help Centre concedes invoice rates come from its bank at month start and differ from the estimate in the platform calculator. A secondary review reports a spread up to roughly 0.5 to 1.5% over mid-market. Pin down both the deposit amount and the FX line in writing before comparing the $400 headline with a higher flat-fee provider.

For the teams it suits, the package is strong. A dedicated CSM is included on every plan, including the $400 EOR tier. The contractor platform covers over 150 countries with misclassification indemnification and payments in 120+ currencies. The certification set on its security page covers SOC 1, SOC 2 Type I and II, SOC 3, ISO 27001:2022, 27017, 27018 and PCI-DSS. Against a $599 provider, the $200 per-employee gap per month is real if the FX and deposit terms check out.

Countries: Over 150 countries via a mix of owned entities and partners
Entity model: Owned-entity positioning plus partners; no owned-versus-partner split published
Onboarding: Fast, hours, with a dedicated CSM on every plan
Contractors: Yes, dedicated Contractor of Record product with misclassification indemnification
Pricing: From $400 / employee / month (deposit and payroll pre-funding required per Help Centre) · verified 2026-06-17
G2: 4.7/5

Strengths

A modern, well-reviewed platform (4.7 on G2) with human support and a dedicated CSM on every plan, not gated behind a premium tier.
Published EOR base from $400 per employee per month, one of the lowest rates from a provider with a full human support model and a broad certification set.
Strong contractor and global-payroll products: Contractor of Record with misclassification indemnification, payments in 120+ currencies and a self-serve onboarding flow.
A comprehensive certification set on its security page: SOC 1, SOC 2 Type I and II, SOC 3, ISO 27001:2022, 27017, 27018, PCI-DSS and GDPR, plus 100+ in-house legal and tax experts.

Watch-outs

Multiplier's own Help Centre requires a deposit equal to notice-period salary before contract signing, plus monthly payroll pre-funding. Neither requirement appears on the marketing pages, so the low headline carries a cash-flow caveat.
Markets zero FX conversion fees but publishes no rate source or methodology. The Help Centre concedes invoice rates come from its bank at month start and differ from the platform calculator. A secondary review reports a spread of roughly 0.5 to 1.5% over mid-market.
Higher share of partner-served countries than owned-entity-led providers, with no split published. A secondary review reports smaller accounts can feel de-prioritised relative to larger ones.

Source: usemultiplier.com/pricing

Deel

Best for: teams that want the broadest all-in-one platform and the deepest integration catalogue in the category, and will accept an unreadable FX line and a gated support channel in exchange for that breadth.

Deel is the market-leading all-in-one global payroll, EOR and HR platform. Its headline EOR fee starts at $599 on the Standard plan and $899 on Enterprise. On a pure headline comparison it sits in the same tier as Teamed and Remote. The platform is the deepest in the category, with the broadest native integration catalogue, strong brand recognition and a long enterprise track record. For many price-conscious buyers it is the default comparison point.

The total-cost gap opens on FX. Deel does not publish its FX terms anywhere on its pricing page. The salary-conversion cost is built into the conversion rate rather than shown as a line item. A dedicated Slack or Teams support channel and a dedicated onboarding manager sit on the Enterprise tier from $899; Standard support runs through a shared queue. Buyers tell us the total cost can climb once FX is factored in, and one buyer report cited a six-month salary deposit for a long-notice UK hire, though that is a buyer account rather than a published Deel term.

For a price-led buyer the question is whether platform breadth and brand recognition justify a $599 headline from a provider that does not show you the FX. If self-serve depth, the deepest integrations and ISO 27001 and SOC 2 today matter more than a readable invoice, Deel stays the obvious shortlist entry. If you want to know what you are paying for FX before you sign, a different provider is the answer. Almost every EOR enquiry one of our referral partners gets is from someone leaving Deel, which says more about market share than about a single failing.

Countries: 150-plus reach; full legal employment in 110+
Entity model: A mix of owned entities and vetted partners
Onboarding: Fast, deep self-serve, dedicated manager on Enterprise
Contractors: Yes, mature contractor and misclassification tooling
Pricing: From $599 Standard, from $899 Enterprise / employee / month · verified 2026-06-17
G2: 4.8/5

Strengths

The deepest all-in-one platform and self-serve depth in the category, the bar the rest are measured against.
The broadest native integration catalogue of any provider here, covering most stacks without custom work.
The market-leading brand and the longer enterprise track record, so it clears a procurement shortlist on recognition alone.
Holds ISO 27001 and SOC 2 certifications today, plus mature equity, IP and contractor tooling alongside EOR.

Watch-outs

Does not publish its FX terms. The salary-conversion cost is built into the rate rather than shown on the invoice, leaving a gap between headline and total cost.
Reserves its dedicated Slack or Teams support channel and dedicated onboarding manager for the Enterprise tier (from $899). Standard support runs through a shared queue.
Buyers report additional charges and, in one case, a large upfront salary deposit for a long-notice hire. These are buyer accounts rather than published Deel terms.

Source: deel.com/pricing

Remote

Best for: teams that want a polished self-serve platform, owned entities in their core hiring countries and published pricing, and are on annual billing.

Remote is the product-led option at the $599 price point. The headline is $599 on annual billing, $699 month to month. It markets a 100%-owned entity network across its 90+ EOR countries, no mandatory deposit as standard, and published pricing in full with no sales call required for the base fee. For a price-sensitive buyer, the fact that pricing is transparent and the deposit terms are clearly stated is a real signal relative to providers that disclose neither.

It is more transparent on FX than Deel, but only after the fact. Remote applies a variable FX rate to cross-currency invoice lines and shows the rate used on the monthly invoice, with no published percentage up front. The $599 needs annual billing; month to month is $699. A dedicated onboarding specialist and a named CSM are included on the EOR plan, backed by in-house HR, legal and tax experts. Buyers who chose Remote over Teamed specifically because it owns entities rather than using partners in their countries are a documented use case.

Remote scores highest on compliance depth alongside Teamed because its core EOR countries run on owned entities, which means one accountable employer and no partner layer in those markets. Its product and benefits offering is mature. If you want the closest thing to a polished platform at the $599 level with an owned-entity story and no standard deposit requirement, Remote is the main alternative. The FX gap vs Teamed is the transparency of the rate: Remote shows it after the fact; Teamed shows it against mid-market in advance.

Countries: 190+ locations; 90+ for full owned-entity EOR
Entity model: Owned-entity led in its core EOR countries; partners and other products beyond
Onboarding: Dedicated onboarding specialist plus a named CSM
Contractors: Yes, tiered, with indemnity options from $325 per contractor per month
Pricing: $599 / month on annual billing ($699 month to month) · verified 2026-06-17
G2: 4.6/5 (591)

Strengths

Pricing is published in full: $599 on annual terms against $699 month to month. No deposit required as standard. You can budget without a sales call.
A 100%-owned entity network across its core 90+ EOR countries, which means one accountable employer in the markets you are most likely to hire in.
A polished, well-designed self-serve platform with strong benefits administration and IP-protection tooling, plus a dedicated onboarding specialist and named CSM on the EOR plan.
Shows the applied FX rate on the monthly invoice per line item. More transparent than providers that disclose nothing, and the rate source is documented in its pricing terms.

Watch-outs

The $599 rate needs annual billing; month to month is $699, changing the comparable headline depending on the commitment you can make.
The Remote FX rate is a variable rate shown on the invoice after the fact, with no published percentage in advance and no mid-market reference shown alongside it.
Owned entities cover the core 90+ EOR markets; beyond them delivery runs through partners and other products. Ask which of your specific countries are owned.

Source: remote.com/pricing

Oyster

Best for: smaller and fast-scaling teams that want a certified B-Corp supplier, fast onboarding with a published SLA and a flat headline, once the deposit and currency-conversion terms are confirmed.

Oyster sits at the top of the headline price range here at $699 per employee per month, flat, with annual discounts available but no annual price published. The trade-off for that higher headline is a B-Corp certification, a fast and well-structured onboarding model with a published support SLA (24-hour response, resolution within 72 hours), and a dedicated hiring success manager. For a team that values a values-aligned supplier or needs speed on first hire, the $699 is defensible.

The total-cost watch-outs are clear on its own pricing page. Oyster requires a refundable deposit for EOR engagements to start; no amount or formula is published. A currency-conversion fee applies on any currency mismatch between your billing currency and the contract currency, again with no rate published. White-glove HR advisory, if you need it beyond the standard included access, is billed separately at $300 an hour. A setup fee of no kind is charged; onboarding, HR expert access and termination processing are all included in the subscription.

Against the $399 to $599 band on this list, Oyster is $100 to $300 more per employee per month before the deposit and FX. Its coverage for full EOR is 120+ countries, narrower than the wider-reach providers. There is no productised path from EOR to your own entity. If the B-Corp credential carries weight with your procurement team, the SLA is stronger than most providers publish, and the human support model is genuine, then the price can clear. If headline cost is the primary filter, start with the lower end of this guide.

Countries: 180+ across all products; 120+ for EOR specifically
Entity model: Hybrid, partners with local entities; no owned-versus-partner split published
Onboarding: Fast, automated, with a dedicated hiring success manager and a published 24h response SLA
Contractors: Yes, $29 per contractor per month with strong tooling
Pricing: $699 / employee / month, flat (deposit required; currency-conversion fee on currency mismatch; no rates published) · verified 2026-06-17
G2: 4.4/5 (1447)

Strengths

A certified B-Corp with a flat, published EOR price of $699 and no setup, onboarding, HR-expert-access or termination charges. Procurement teams that screen on values get a straightforward yes.
Human, expert-led support with a published SLA: 24-hour response and resolution guaranteed within 72 hours, plus a dedicated hiring success manager for onboarding.
Strong contractor tooling at $29 per contractor per month, with payments in 120+ currencies, a free misclassification test and country-specific IP agreements.
SOC 2 Type II and GDPR posture, plus a large, healthy review base at 4.4/5 on G2 across roughly 1,447 reviews.

Watch-outs

Requires a refundable deposit to start an EOR engagement, with no amount or formula published. Charges a currency-conversion fee on any currency mismatch with no rate published. Both require a quote to resolve.
At $699 flat, it is the highest headline on this page. White-glove HR advisory is billed separately at $300 an hour, and there is no productised path from EOR to your own entity.
Full EOR coverage is 120+ countries, narrower than the wider-reach providers, and no owned-versus-partner split is published, so ask about the chain in your specific countries.

Source: oysterhr.com/pricing

Why the shortlist matters

Behind every line item is a real person, in a real place.

The fee, the FX and the support model are not abstractions. They decide whether the person you hired in Barcelona or Rome is paid right, on time, by someone who knows their employment law. That is what the ranking is really measuring.

What each stakeholder evaluates

Criterion	Legal	Finance	People Ops	Security
What will I actually pay?	Ask for the FX policy in writing, the deposit amount and formula, and any notice-period cash requirements. These are contractual terms that may not appear on the pricing page.	Native Teams ($99) and Remofirst ($199) have the lowest headlines, but both lack published FX terms. Multiplier ($400) and Pebl ($399) are the next tier; both also lack published FX. Teamed ($599) absorbs FX at zero margin and shows the rate against mid-market. On a $60,000 salary, a 2% undisclosed FX spread adds $1,200 a year, closing much of the gap between a $199 headline and $599.	An itemised invoice avoids per-country reconciliation work at month end. Ask each provider whether you can see the FX rate and the deposit terms before you sign.	A timestamped rate against a published mid-market reference is an auditable record. Providers with no published FX basis create a reconciliation gap for a finance audit.
Is the compliance adequate at this price?	Ask who handles a contested termination, a junior employee mis-classified as a contractor, or an edge case in a country with detailed employment law. A partner-led model routes through an in-country firm; an owned-entity model keeps accountability in one place.	Remofirst and Native Teams are the lowest-headline providers and both are more partner-led. Teamed and Remote are at the $599 level but both run owned entities in their core markets and put real HR and legal experts in front of the client on standard plans.	You want a real person reachable for a hard question without unlocking an enterprise tier. Teamed is rated 4.8 on G2, experts on every plan. Deel gates its dedicated channel at $899; G-P gates relationship management at EOR Prime.	An owned entity means one data-processing chain rather than a partner sub-processor. Ask any provider whether your specific country is owned or partner-served.
Can I exit or change terms?	Check the notice period and early-exit fees before signing. Teamed charges no onboarding or offboarding fees; an early-exit fee may apply if you leave within three months, set out in the contract. Remote charges no setup or termination fees and no annual lock-in on the standard plan.	A deposit equal to one or two months of gross salary is a real cash-flow item for a small team. Remote markets no mandatory deposit as a differentiator. Multiplier requires a notice-period salary deposit per its Help Centre. Oyster requires a deposit with no published amount.	Month-to-month billing and a clear exit path matter if headcount is uncertain. Remofirst publishes no annual contract requirement. Oyster charges a flat $699 with annual discounts but no annual lock-in on the base plan.	Data portability and offboarding terms should be in the contract. Ask for the data-return schedule and the data-deletion timeline before you sign.

Decision checklist

Get the real total before you compare headlines. Add the FX spread (1.5 to 3% of gross salary on a typical EOR corridor), the deposit cash requirement and any advisory fees to the headline. On a team of three employees averaging $60,000 salary, a 2% undisclosed FX margin adds $3,600 a year, more than six months of the difference between a $99 headline and a $599 one.
Choose Native Teams if the lowest possible headline is the only filter and your hires are in mid-range countries. Verify the real quoted rate for your salary level and ask for the FX terms before you compare it with a higher headline.
Choose Remofirst if you want a low flat $199 headline with no annual contract, no named minimums and a genuinely free contractor tier. Pin down the deposit and FX terms from a secondary review before comparing the total with a $400-plus provider.
Choose Multiplier if you want a sub-$500 headline from a provider with a well-reviewed modern platform, human support on every plan and strong contractor tooling. Confirm the deposit, the payroll pre-funding and the FX line in writing on your corridors before signing.
Choose Velocity Global (Pebl) for a low flat $399 headline with broad reach, enterprise certifications and a deep integration catalogue. Ask for FX terms in writing; they are not on the pricing page.
Choose Teamed if the real cost matters as much as the headline, and you want to see the FX rate on every invoice against the mid-market reference. The $599 headline is the same as Deel and Remote, but the line items are different, and a real HR or legal expert is on every plan with no bot wall.
Choose Remote if you want a polished self-serve product, owned entities in your core hiring countries, no mandatory deposit and published pricing, and annual billing is acceptable.
Choose Oyster if you want a B-Corp supplier, a published support SLA and fast automated onboarding, and you have confirmed the deposit amount and the currency-conversion fee on your corridors.
Ask every provider two questions. What FX rate and methodology do you apply to salary conversions, and what deposit or pre-funding do you require before the contract is signed? If either answer requires a sales call to get in writing, that is itself a data point.
Check which of your countries are served by an owned entity and which by a partner. Every EOR, Teamed included, mixes both. Owned means one accountable employer; partner means a sub-processor chain. Ask per country, not per brand.

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Honest take

When a lower-price provider is the right call.

Choose Native Teams or Remofirst if you have one hire in a low-risk country, the salary is modest and you have no plans to grow. The headline gap is real at that scale and the compliance risk is lower.
Choose Multiplier or Pebl if a sub-$500 rate matters and you confirm the FX and deposit terms in writing. The headline saving over $599 is real if the total holds.
Choose Remote if the polished product and owned-entity model matter, and annual billing is acceptable on the $599 rate.
Choose Oyster if B-Corp certification and a published SLA matter to your procurement team, and the deposit and FX fee check out.
Teamed earns its $599 when you need the FX line itemised, a real expert at the hard moments and a path to your own entity. If none of those apply to your current hire, a lower headline may fit better.

Price matters. Transparency also matters. Teamed leads the cost transparency column here, not the headline column. A buyer with a different set of priorities should pick a different provider. We'd rather lose a deal than mismatch the engagement.

Frequently asked questions

Which EOR is genuinely the cheapest in 2026?
Native Teams publishes the lowest headline at $99 per employee per month, Remofirst is next at $199. Whether either is genuinely cheapest depends on the FX spread, deposit and advisory terms that most providers do not publish on their pricing page. An undisclosed FX margin in the 1.5 to 3% industry range adds $90 to $180 per month on a $60,000 salary. On that salary, Teamed's $599 with zero FX margin can be less total than a $199 headline with an undisclosed spread. Get the FX and deposit terms in writing before comparing totals.
What is an EOR FX margin and why does it matter for cost?
Most EOR providers pay your employees in local currency. If you pay the EOR in USD and the employee receives EUR, the provider converts the currency. The FX margin is the difference between the rate they apply and the mid-market rate. Industry analysis puts the typical undisclosed margin in the 1.5 to 3% range. On a $60,000 salary, 2% is $1,200 a year, or $100 per month. Most providers on this page do not publish their FX rate or spread, meaning the conversion cost is built into the rate rather than shown as a line item. Teamed absorbs FX at zero margin and shows the applied rate against a mid-market reference on every invoice. Remote shows the applied rate on the invoice after the fact. The rest publish nothing.
Do I have to pay a deposit to use an EOR?
It depends on the provider. Multiplier's own Help Centre requires a deposit equal to notice-period salary before the contract is signed, plus monthly payroll pre-funding. Oyster requires a refundable deposit to start an EOR engagement, with no amount published. A secondary review reports a roughly one-month gross-salary deposit for Remofirst. Teamed takes a one-month refundable deposit and charges no onboarding or offboarding fees. Remote markets the absence of a mandatory deposit as a differentiator and describes reserves as reserved for high-risk cases only. Native Teams does not publish a mandatory deposit requirement. Ask every provider the amount, the formula and the refund terms before you sign.
Is a $99 EOR provider safe to use for a long-term hire?
A low headline does not mean inadequate compliance, but it pays to check. Native Teams ($99) operates across 95+ countries with a claims-only in-house legal team and an internally inconsistent entity disclosure. Remofirst ($199) is partner-led with no foregrounded in-house legal team and secondary reviews noting thinner depth in jurisdictions with detailed employment law. For a single hire in a low-risk country on a modest salary, either can be adequate. For a hire in Germany, France or Brazil, or for a senior hire with a complex contract, the compliance depth available at $199 to $399 is materially lower than at $599. The cost of a contested termination handled by a partner network rather than an in-house legal expert is usually higher than the saving on the monthly fee.
Why does Teamed cost $599 when Native Teams charges $99?
Teamed's $599 includes FX absorbed at zero margin with the rate shown against mid-market, real HR and legal experts on every plan without a bot wall, and a path to your own legal entity when EOR is no longer the right model. Native Teams' $99 is a headline rate that buyers tell us rises with salary level, with no published FX basis and no in-house legal team foregrounded. Whether the $500 gap is worth it depends on the salary level, the country and whether you need an expert at the edge cases. On a $60,000 salary in Germany with a contested termination risk, the FX and advisory gap closes most of the headline difference.
How was this comparison verified, and how often is it updated?
Every competitor figure is read from the Teamed competitor fact-cache, last verified on 17 June 2026 against each provider's own pricing page, Help Centre and G2. Where a figure is from a secondary source (eorHQ for Remofirst's deposit estimate), it is labelled as such. The FX range of 1.5 to 3% is industry analysis, kept unattributed. We review the page quarterly and re-verify pricing monthly. The last-reviewed date sits at the top of the page.

Common questions

What is the cheapest EOR service in 2026?
By headline, Native Teams starts at $99 per employee per month, Remofirst at $199. Total cost depends on the FX margin, deposit and advisory terms most providers don't publish. A 1.5 to 3% undisclosed FX spread adds $90 to $180 a month on a $60,000 salary. Teamed charges $599 but absorbs FX at zero margin. Get FX and deposit terms in writing before comparing totals.
Is Deel or Remofirst cheaper for hiring internationally?
Remofirst headlines at $199, Deel from $599. But neither publishes FX terms or deposits on their pricing pages. A 2% undisclosed FX margin on a $60,000 salary adds $1,200 a year on top. Teamed matches Deel's $599 and absorbs FX at zero margin. Ask both Deel and Remofirst for FX methodology and deposit terms in writing before comparing.

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Harry, sales specialist, photographed in Barcelona — Harry · Sales

Molly, sales specialist, photographed in Český Krumlov — Molly · Sales