What is an EOR security deposit?
Your company funds the deposit. If you miss a payment, the provider may still owe wages, employer contributions or termination costs. Your agreement sets out which of those bills it can pay from the deposit and whether you have to replace money it uses. It also tells you when the EOR must return the balance. Wages go through the usual payroll run.
- What counts as one month?
- Some providers use gross salary. Others also count employer contributions, benefits and their service fee. Ask for the calculation for one of your hires.
- When can the provider ask for more?
- A pay rise, a longer notice period or a change in payment method can increase the deposit. Check how quickly you would have to fund the difference.
- When do you get the balance back?
- The refund period may start when the employee leaves, when the final invoice clears or when you close the account. Ask which date the provider counts from and how many days it has to return the deposit.
EOR deposits by provider
Look up the provider by name. The 123 entries include regional services and hiring partners, with separate rows where the partner’s terms can differ from those you’d get directly from the provider. Check the country as well. Some providers publish a deposit formula or explain who qualifies for a waiver. Others set the amount in each hire’s order form. If the row gives no figure, keep the deposit open in your budget until the provider confirms the amount in writing.
A reported sales quote or an older country example is identified as such. Terms checked 5 November 2026. Your signed country agreement determines what you pay and recover.
| Provider | Deposit amount and calculation | Refund or credit |
|---|---|---|
| Borderless AI | Usually 1.5 months of employment costs by ACH bank debit or three months by wire or other methods. Country terms vary. Payment problems can raise the deposit to six months. Its marketing FAQ advertises no upfront deposits. Get the applicable terms in writing. | Fund before onboarding. Funds for a departing employee are released after applicable liabilities settle. The account balance is returned after closure and settlement. No fixed deadline stated. |
| Deel | Standard model: 1–1.5 months of gross salary. Country and contract changes can increase it. Eligible Early Invoicing accounts prepay each payroll instead. | Up to 60 days after termination completes and invoices are paid and settled. Amounts owed can be deducted. Remaining funds can go to a bank account or Deel balance. |
| G-PEOR; third-party sales quote | Amount is agreed. Employsome reports a sales quote of 1–2.5 months of gross salary plus employer costs, depending on credit review. G-P publishes no standard multiple. | G-P directs buyers to discuss the treatment of the deposit. A public refund deadline was not verified. |
| Multiplier | The order sets the deposit before the employment contract. Gross salary, employer costs, fees, notice, additional leave and credit can affect it. Multiplier can request a top-up. | Within 60 days of the last working day if outstanding sums have been paid. A threatened or filed employee claim can delay release until settlement. |
| Oyster | Usually about one month of gross salary plus employer costs and service fees per employee. The standard terms set a one-month minimum and allow top-ups on five days’ written notice. | Terms allow 60 days from the later of receipt or confirmation of all amounts owed. A credit note typically arrives around 60 days after departure once payments settle. It offsets invoices. A cash refund may be offered when no team members remain. |
| Papaya Global | Papaya gives no standard EOR multiple. Its published pricing guide places EOR deposits in segregated accounts. The advertised no-deposit feature is for Contractor of Record. | Papaya says it returns EOR deposits within 30 days of the end of employment. |
| Pebl | A security payment called Payroll Funding is required per worker before onboarding. The amount varies with the worker and may rise when Pebl recognizes prior seniority. Ordinary payroll prepayment is separate. | After the final invoice and all amounts due have been paid, the remaining balance is returned within a reasonable time. The terms give no fixed number of days. |
| Remote | Normally one month of gross salary plus mandatory employer costs. The management fee is excluded. Credit review can reduce or waive the standard reserve. Nonstandard terms can still require a reserve. | Processed within 60 days of paying the final invoice after offboarding or cancelled onboarding, once all outstanding invoices have cleared. |
| RemotePeople | Usually one month of gross salary. The country proposal sets the amount, which may rise for higher pay or a longer notice period. Global and Select offers need their own terms. | Within 5 days of the worker’s final payment and payroll confirmation, once liabilities are settled. The agreement permits deductions and two-business-day top-ups. An invoice overdue by more than 60 calendar days can trigger forfeiture. |
| Rippling | The Start-up Stack offer excludes EOR deposits from its discount. Rippling’s public offer gives no general amount. | The offer gives no refund deadline. Obtain the controlling EOR contract and country schedule. |
| RemoFirst ⚠ Trustpilot warning: rating suspended for a breach of its guidelines; fake reviews removed (8 Nov 2026) | No standardized amount verified. Obtain the requirement, calculation and due date for each hire. | Current public pricing and FAQs give no fixed release deadline. Obtain cash-versus-payroll-credit treatment in writing. |
| A.R.E.E. Workforce TechThailand EOR | One month’s gross salary. Its example uses a THB 50,000 deposit on a THB 50,000 gross monthly salary. | States it is fully refundable at contract termination. No fixed day count is specified. |
| AcclimeMalaysia EOR | Usually two months of payroll. Acclime may reduce this to one month after it completes its customer identity checks and you onboard more than three employees in Malaysia. | The first invoice includes the deposit and first month’s payroll. Ask for the refund deadline. |
| Alcor BPOTechnology-company EOR and software R&D team offer | Alcor requires no deposit or advance payment under its published pricing. | No deposit to recover under these terms. |
| AsanifyIndia EOR | One month of gross salary plus statutory contributions and the EOR fee for each employee. | Refunded after the last payroll cycle closes and statutory dues are settled. No fixed number of days is stated. |
| AspireAspire Global Hiring, with Deel as the EOR partner | Standard deposit is 1–1.5 months of gross salary plus employer costs and the EOR platform fee. A longer notice period, no probation, added leave or variable pay can increase it. | Pay before the employee joins payroll. The remaining balance is refunded within 60 days after the employment ends, invoices are settled and payments have cleared. |
| AYP GroupEOR in applicable Asian countries | Some countries require a deposit, typically based on local notice obligations. The country quote sets the amount. | Returned under the agreed terms when employment ends. Ask for a date and the list of permitted deductions. |
| BestarSingapore EOR service inquiry | Published Singapore quotation example calls for a deposit of two months of gross salary plus employer costs on onboarding. | Returned at contract end under the illustrated terms. Obtain the deadline in the actual agreement. |
| BGC GroupHong Kong site’s EOR terms, subject to the worker proposal | The proposal sets an interest-free deposit. It can change with worker costs and must be paid before BGC signs the employment agreement. | Within 30 days of the last working day, provided all outstanding amounts are paid. |
| BizkyPoland EOR | Refundable deposit based on gross salary plus employer costs. The pricing example suggests about one month, but the page leaves its amount and day count as placeholders elsewhere. Get both in the quote. | Returned after final payroll. No usable day count is published. |
| BoundlessNetherlands EOR | Boundless advertises no deposit for its Netherlands EOR service. Confirm the position separately for other countries. | No deposit to recover under the Netherlands offer. |
| ByalanceIndia EOR | One to two months of gross salary plus employer costs. The deposit must clear before contract preparation and can fund obligations if a transfer arrives late. | Returned or applied to the final invoice after final settlements and statutory filings. No fixed deadline stated. |
| CosecUAE EOR coordinated through a licensed employing entity | Refundable deposit set in the UAE quotation; paid separately from one month’s salary in advance before the visa application. | Ask which liabilities can be deducted and how many days after visa cancellation or final payroll the balance is due. |
| Elephant EOREOR services across its supported markets | One month of gross salary plus employer costs per employee, separate from the service fee. | Returned when the employment relationship ends. The public price page gives no day count. |
| Emerald TechnologyInternational sales hires | One month of gross salary plus employer costs, including for senior sales hires. Ask how the quote treats variable commission. | Obtain the refund trigger, allowed deductions and deadline in the order form. |
| Employer of Record NetherlandsDutch Employer of Record, Netherlands | A deposit may be required. The monthly employment-cost quote and direct-debit invoices are separate. | Get the amount, permitted deductions and return deadline in writing. |
| Employer of Record UAEUAE hires | Some hires require a salary deposit, commonly about one month of gross salary. The individual quote sets the amount. | Refundable. Ask for the date and the deductions permitted for the hire. |
| EmployorNetherlands payroll employment service, indefinite contracts | For an indefinite contract, the deposit is four times the Client Rate defined in clause 4.1 of the service agreement. The FAQ describes this as an exceptional case. Fund before the contract starts. | For mutual termination or employee resignation, returned after outstanding expenses settle. Other exit routes and the day count need agreement. |
| éxodo bpoArgentina EOR; indicative terms | Two months of gross salary plus employer costs, plus a provision for prior service the employer agrees to recognize. One month’s advance is separate. The reserve excludes management fees, currency conversion and the monthly termination fund. | The reserve and termination fund go toward final settlements. The release date depends on the type of departure and agreement. Salary and headcount changes can change the reserve. |
| FlamingoPhilippines and Colombia EOR | Each EOR employee needs a refundable deposit in the amount shown on the quote, payable before employment starts. An increase in employment costs can trigger a top-up. | Returned at the end of employment. No fixed deadline stated. |
| Foothold AmericaUS EOR agreement | The US agreement sets the opening amount by agreement. At exit, Foothold typically retains $3,000 per employee for continuing liabilities, such as health coverage and late expenses. This holdback can vary. | Excess is returned after deductions. The agreement forfeits the deposit unless the client requests the refund in writing within one year of the last service. That is a claim deadline, not a promise to pay within a year. |
| FreelanX EOREOR service, distinct from freelancer payments | One month of the employee’s gross salary, due before the start date. Monthly payroll pre-funding is invoiced separately. | Returned with a credit note within 15 days of the engagement ending, once all amounts are settled. |
| Gini TalentEOR in countries requiring a deposit | In some countries, one month of gross salary. The country quote identifies the requirement before signing. | Refundable. Request the trigger, deductions and deadline for the country. |
| Glints TalentHub | One-month deposit. The EOR price comparison does not specify whether that month covers gross salary, employer costs or service fees. | Request the calculation base, deductions and return deadline for the hire. |
| Global Expansion (GX)Employment through Global Expansion under its client service charter | One or more months of gross salary plus employer costs and service fees, invoiced before the start date. The first month’s employment costs and fees are funded separately. | The older client charter gives four weeks after final payments in the process section but a four-to-six-week target after final payroll elsewhere. Confirm the deadline in your current agreement. |
| Global SquirrelsGlobal hire on the subscription model | One month’s deposit, alongside monthly advance payment of employee pay and the subscription fee. Confirm precisely which costs form the deposit base. | Refund at assignment end after any statutory severance, currency conversion and payment-provider fees are deducted. No fixed deadline is stated. |
| Hire with ColumbusIceland and Switzerland EOR offers | No deposit on the published Iceland and Switzerland offers. The general service terms bill fees monthly in advance. | No deposit to recover under those offers. Confirm for other countries. |
| HireGlobal (Toptal)Local EOR through a third-party employer | HireGlobal may require a deposit per worker. The Local EOR terms do not set a standard amount. | A balance may be refunded after HireGlobal receives full payment of all invoices. No fixed deadline is stated. |
| HROneChina EOR | A deposit applies in certain cases. The China proposal sets the amount and calculation base. | Returns the unused balance after final settlement and case closure. Request a number of days from those events. |
| Husys ConsultingIndia EOR | The India EOR offer explicitly waives the security deposit. | No deposit to recover for this offer. |
| InsourceIndiaIndia EOR | First invoice includes a security deposit of one month’s gross salary. | Obtain the return conditions and deadline in writing. |
| LanoGlobal employment EOR | Most countries: one month of gross salary plus employee costs and Lano’s management fee. Some require two months because of local rules or different payment terms. Payment follows employment contract signature. | After employment ends, Lano returns the deposit within 60 days of payment of the final termination invoice. |
| Listo GlobalEOR team members under Listo’s terms | Normally one month of gross salary, including bonuses or commissions, plus social benefits and service fees. Can change with compensation. Replenish amounts used within 15 days. | Remaining interest-free balance due within 30 days following termination, subject to settlement of invoices, severance, third-party obligations and related fees. |
| MixWorkIndonesia EOR | One to two months depending on the engagement. Ask which salary, employer and service costs form the base. | Request the refund deadline, deduction rights and how a transfer with accrued benefits affects the deposit. |
| Native TeamsEmployer of Record plan | The EOR help center gives one month of gross salary plus 20%. The general terms say the platform shows any applicable deposit before confirmation. Where required, funds must clear before onboarding. | Remaining balance returned after employment ends and final invoices are settled. The help page gives no fixed number of days. |
| Niural | Set per employee in the hiring process and country pricing schedule, due before work starts. Higher notice, severance or accrued liabilities can increase it. | Unused balance returned 60 days after all matters arising from termination or resignation are fully resolved. Niural may apply the balance to customer liabilities. |
| NNRoadExpat employment / visa sponsorship | NNRoad’s expat employment service describes a deposit. The publicly verified material sets no general multiple. | NNRoad returns any remaining balance at the end of its offboarding process. Get the applicable day count in the country schedule. |
| OutstafferEOR employment services | 1.5 times the plan charges plus gross salary and employer costs for each employee, due on receipt of the new-hire invoice. Pay rises, late payment or higher termination exposure can increase it. | 45 days after the end of the month in which employment legally ends and offboarding is completed, provided all charges and liabilities are settled. Client liabilities can be deducted. |
| PamGroEOR pricing comparison | PamGro lists a one-month security deposit. Its own column does not specify which salary, employer costs or fees make up that month. | Confirm what may be deducted and the deadline for the unused balance. |
| Plane (formerly Pilot)International employees | One month of the employee’s expected gross salary plus employer taxes. Plane collects it when the client approves the deposit during onboarding. | Within 30 days after processing the employee’s final payroll. |
| PlayrollEOR price page | One month of gross salary per employee at onboarding. | The deposit is refundable. The pricing page gives no fixed deadline. Obtain the release terms in the country agreement. |
| RapidIndia EOR under the Resource Services terms | Rapid may require a reserve payment or standby letter of credit. The amount and eligibility need a written quote. | Ask separately for the cash refund or letter-of-credit cancellation conditions. |
| RecruitGo | One month of gross salary plus one month’s EOR fee, due at the start of the engagement. | Applied to final payroll when employment ends. Get the deadline and method for any unused balance. |
| RemotePassFull-time EOR | A refundable deposit is due after the statement of work is signed. No standard amount is given. RemotePass invites the employee to sign after payment is confirmed. | Request release conditions, cash or credit treatment and a deadline in the statement of work. |
| Revolut GlobalHireEOR access through third-party partners for Revolut Business customers | Revolut waives the upfront deposit for customers that pass its internal eligibility assessment. It gives no standard deposit for customers who do not qualify. | No deposit to recover if the waiver applies. Obtain the partner’s deposit and release terms if it does not. |
| Rise (RiseWorks)Rise EOR | Rise says it does not require upfront payroll deposits on its EOR service. Check the funding date for the first ordinary payroll. | No upfront payroll deposit to recover under this offer. |
| RivermateEOR agreement and scope of work | The signed scope sets the amount, due within five days of its effective date. The template uses a specified number of months of the consulting fee plus one month’s management fee. | Within 60 days after Rivermate receives full and final payment of all invoices for the terminated scope. Services may wait until it receives the deposit. |
| Settlr GlobalThailand EOR | Refundable deposit sized to the team’s gross salary and employer costs. The provider does not give a fixed multiple. | Returned after settlement of final payroll and statutory payments. No fixed day count stated. |
| Skuad (Payoneer Workforce Mgmt)Payoneer Workforce Management, formerly Skuad | Current multiple unverified. In 2023 Skuad described a separate security-deposit invoice for each EOR hire. Confirm whether the current Payoneer agreement uses that model. | The 2023 release described credit notes against outstanding invoices. Current cash-return eligibility and deadline require written terms. |
| Smart Outsourcing Solution (SOS)Philippine EOR, legal employer Global BPO Solution Philippines Inc. | Invoices one month of gross salary at commencement and annually, with adjustments for pay increases. Advance payroll funding is separate. | Can cover the costs of ending employment under local rules, redundancy and outstanding employment liabilities. Returns the unused balance after employment and contractual obligations are settled. No fixed deadline stated. |
| SourcefitEORganic EOR, distinct from staff augmentation | A refundable deposit equal to one month’s total fee. Ask for an itemized calculation of that fee. Its staff-augmentation offer has different terms. | Returned at the end of the engagement. The EOR page gives no day count. |
| StratEdge GlobalManaged EOR service | StratEdge advertises no starting deposit. Its invoices are payable within ten business days. | No upfront deposit to recover under these terms. |
| SynkPayIndia EOR | No salary deposit on the stated India EOR offer. SynkPay invoices at the start of the month and pays employees at month-end. | No salary deposit to recover under this offer. |
| TarmackEOR product | Tarmack lists its EOR service with no deposit. | No deposit to recover under its published plan. |
| Teamed | One month of each employee’s gross salary. Before first payroll, separately fund salary, employer contributions and the service fee. | Returned when employment through Teamed ends. The cited terms give no fixed number of days. |
| Tiger RecruitmentTiger EOR; UK service brochure | The client agreement sets the initial deposit. Regular payroll invoices follow separately. | The EOR brochure gives no refund date. Ask when the balance is released. |
| TokuWorker-management services under Toku’s terms | Refundable deposit per worker, due within three days of accepting the terms, adding a worker or adding a grant. No fixed amount is published. | Within 60 days once the worker has been terminated and all invoices relating to that worker are fully paid. |
| TopSource WorldwideEmployer of Record annex, clauses 5.3–5.5 | The order sets the per-worker deposit based on local rules and the notice period. Unless the order differs, pay within seven days of invoice and before employment starts. Restore deductions within seven business days of written demand. | Unused balance returned after the agreement expires or terminates. The annex gives no fixed number of days. |
| VertrouSouth Africa EOR | One or two months of gross salary, depending on the deposit option selected for the South African hire. The calculator separates the deposit from the first month’s employment cost. | Fully refundable at contract end. Confirm the payment deadline. |
| WisemonkIndia EOR | Wisemonk describes its India EOR service as having no refundable deposit. | No refundable deposit to recover under the stated India offer. |
| WorkMotionEOR terms, section 5 | Notice period in months × monthly gross salary plus employer costs, or an amount based on the client’s credit and other risks. Rounded up to the next 500 invoice-currency units. Required funds must clear before onboarding. | After outstanding termination matters, invoices and costs are resolved, the balance is returned without undue delay. No fixed days. Deposits can cover liabilities for other workers on the client account. |
| worknowGermany EOR | Normally 1.5 months of gross salary plus employer contributions and fixed recurring pay. May rise to two months unless otherwise agreed. | Remaining balance returned in the original currency within 30 calendar days after employment ends, invoices are paid, and final payroll and social-security reporting are complete. Employment liabilities can be offset. |
| Zero-Ten Park PhilippinesPhilippines EOR | One month of gross salary plus benefits and estimated taxes or fees. Separate one-month payroll prepayment and contingency reserve of at least 10% of monthly gross salary. Initial invoice due at least five business days before hire starts. | Applied to final pay and severance. Any surplus across the three funds is returned within 30 days of final reconciliation. |
| Acumen InternationalGlobal employment onboarding | Acumen describes security sized by country risk, seniority and expected payroll in its onboarding guide, without publishing a binding multiple for its own service. | Its guide describes reconciliation once all liabilities settle. Obtain the timing that applies to this engagement. |
| Acvian | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Africa HR Solutions | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Agile HRO | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Agility EOR | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Airswift | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| All About ExpatsNetherlands EOR and recognised sponsorship | Confirm deposit amount and calculation for the hire. | Request the return trigger and deadline. |
| Ambacia | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| APEO / NZPEO | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Atlas HXM | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| BIPO | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Biz Latin HubLatin America EOR brand, part of Vistra | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| BRIDGE IN | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| BTR Group | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Canadian Payroll Services (CPS) | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| CXC Global | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Emerhub | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Employ Africa | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Employment Hero | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Ensaar GlobalIndia EOR | Initial cash depends on the India agreement. Ensaar’s current public service page gives no standard deposit amount. | Ask whether a deposit applies, what it covers and when the unused balance is returned. |
| Europortage | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| FMC Group | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| FoxHireUS W-2 employer of record | Confirm whether a client security deposit applies to the hiring agreement. Direct deposit in the worker portal refers to wage payments. | Request the return trigger and deadline. |
| GegidzeCaucasus and Central Asia EOR | Obtain the deposit for the hiring country. The provider’s industry examples do not establish the amount it charges. | Request the release conditions and deadline. |
| GEOR | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Global NordicsEOR for Denmark, Finland, Norway and Sweden | Confirm the amount and calculation for the hiring country. | Request deduction limits and the return deadline. |
| GlorootsEOR product | No provider-specific deposit multiple verified. Gloroots’ buyer guide describes several approaches used across the market. | Obtain the release trigger and deadline in the employment services agreement. |
| GoGlobal | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Infotree Global | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| INS Global Consulting | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Justworks (Intl EOR) | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| KMC Solutions | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Knit People | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Leap29 | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Mauve GroupChina only | Current amount for China requires a proposal. A 2017 country report gave three months of gross salary plus employer costs. Do not budget that as a current or worldwide term. | The current China service page provides no standard refund timetable. Agree the base, deductions and release date in the country schedule. |
| Mercans | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Neeyamo | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Parakar | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| PEOItaly | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| People2.0 | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| PGC Group (Workwell NA)North American division of Workwell Global | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| RemunanceIndia EOR, Hightekers/Rivermate group | Remunance directs buyers to their commercial terms. Its India guide describes typical market deposits, but sets no Remunance-specific multiple. | Obtain the deductions and refund date in the signed service agreement. |
| Safeguard Global | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Second Talent | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Swapp Agency | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Syndesus | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Talenteum | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Workforce Africa | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Workpay | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
| Workwell Global | Request the amount and calculation base for the hire. | Ask what triggers release, what can be deducted and when the balance is due. |
How much cash do you need before the first payroll?
Start with one hire. Find the costs the order form counts toward a month’s deposit and multiply their total by the number of months the provider requires. Check when the funds have to clear. If the provider quotes a separate reserve for past service or termination costs, ask which obligations the deposit already covers before you add the reserve to your forecast.
A three-hire example
Suppose you hire three employees. Each earns USD 5,000 a month. For this example, allow another USD 1,000 per person for employer costs and benefits and USD 500 per person for the EOR fee. That gives you a monthly invoice of USD 6,500 per employee, or USD 19,500 for the team.
| Assumed deposit clause | Per hire | Three hires |
|---|---|---|
| One month of gross salary | USD 5,000 | USD 15,000 |
| One month of gross salary plus employer costs | USD 6,000 | USD 18,000 |
| One month of the full invoice | USD 6,500 | USD 19,500 |
| 1.5 months of the full invoice | USD 9,750 | USD 29,250 |
If the deposit equals one full monthly invoice and the provider also needs the first invoice paid before payday, treasury needs USD 39,000. Half pays for the first month. The EOR holds the other USD 19,500. Using salaries alone to estimate the deposit would leave you USD 4,500 short. Entering the deposit as a fee in every month of your annual budget would count it twelve times.
Security deposit, payroll pre-funding and severance accrual
A payroll advance belongs to a particular pay cycle. When the invoice for that cycle arrives, check that the provider applied the advance and ask it to explain any difference. The EOR may hold the deposit for months. A termination or severance accrual is a third payment the provider may collect to cover costs when employment ends. Ask how the provider calculates the accrual, which costs it can cover and what happens to any unused balance.
If you use Deel’s Early Invoicing, any deposit you’ve already paid moves to your Deel balance. You pay the next month’s estimated costs in advance and can apply that payment to the actual invoice. Check Multiplier’s order form. It can collect a separate reserve for termination costs alongside the security deposit.
Which deposit terms can you negotiate?
Ask for two quotes for the same hire, changing only how you pay. Borderless AI usually requires 1.5 months of gross salary plus employer costs, benefits and platform fees by ACH bank debit or three months by wire or other payment methods, depending on the country terms. For a hire costing USD 8,000 a month, that’s USD 12,000 by debit or USD 24,000 by wire. Can your bank account accept the debit, and can treasury authorize it? Confirm both before budgeting for the lower figure.
At Remote, moving from 14-day to 30-day payment terms requires an extra month of reserve for each employee. A credit review can reduce or waive Remote’s standard reserve, but you may still need to fund extra contractual notice or service the employee accrued before the transfer. Get both figures in writing.
If the opening deposit is fixed, ask what the provider will release when one employee leaves but the account stays open. Agree on a deadline for returning the undisputed amount and a written breakdown before the provider makes any deduction. You can also ask it to review the deposit after a run of on-time payments. If it accepts a guarantee, establish who will issue it, which collateral and bank charges it requires, when it expires and when you get your cash back.
EOR deposit refund schedules
Deel can take up to 60 days after termination is complete and all invoices are paid to return the deposit balance. Those payments must settle before Deel processes the refund. Multiplier counts 60 days from the employee’s last working day, provided it has received all outstanding payments from your company. If the employee files or threatens to file a claim against your company or Multiplier, Multiplier can hold and use the deposit until the dispute is settled.
One of the three hires leaves. Suppose your agreement lets you recover the USD 6,500 held for that employee and permits a USD 900 deduction. If the final statement shows the deduction, you should receive USD 5,600. Match the USD 900 to the final invoice so you don’t pay it twice. Where did the money go? A bank transfer restores cash you can spend elsewhere. A platform balance or invoice credit can pay a future bill with that provider.
If you switch EOR providers for all three hires, the new provider may want USD 19,500 before the old one releases its USD 19,500. That would tie up USD 39,000 in deposits before you fund either payroll. Enter the new deposit in the handover budget on its due date and the outgoing refund on the date you can use the money.
What to get in writing before you send a deposit
- Calculation and due date. Get one worked calculation per country and employee. Ask which salary elements, taxes, benefits and fees count, the multiplier, the currency and the date cleared funds must arrive. Check whether a delayed transfer holds up signature or the start date.
- Top-ups and adjustments. Ask what triggers a recalculation, how much notice you get to fund an increase, and whether a pay reduction or smaller team also releases excess cash.
- Who holds the money. Identify the legal entity that receives the transfer. Does it hold the money apart from its operating funds? Does your company have its own account, or a balance in a pooled client account? Ask counsel how the agreement and applicable insolvency law would treat that balance if the provider failed.
- Permitted deductions. Identify which employee or account the money secures, whether the provider can use one employee’s deposit for another, and who resolves a disputed invoice. Ask for a statement showing every deduction and its supporting invoice.
- Refund event, deadline and method. Specify when the refund period begins, whether it uses calendar or business days, and whether you will receive cash or credit. Record the currency, conversion rate and bank fees if the return currency differs.
- Ownership after offboarding. Assign someone in payroll to confirm the final pay, someone in accounts payable to confirm settled invoices, and someone in treasury to match the refund. Keep the case open until the bank receipt or usable credit matches the amount owed.
Under Foothold America’s US agreement, you have one year from the end of the last service to request your refund in writing. Miss that deadline and you forfeit the balance. Assign the request to someone who can file it on time, keep a copy and follow up until the money reaches your account.
To compare EOR quotes, send each provider the same request. “Please show the deposit calculation for each hire. When is payment due? If there’s a separate payroll advance, when do you need it? If one employee leaves and the others stay, which deductions can you make and how much of that hire’s deposit will we get back? Will it come back as cash or credit, and by what date?”
Sources
The sources behind this guide, grouped by topic. Prices and terms change, so confirm them in your quote.
Main providers: deposits and refunds
10 sourcesBorderless AI
Customer deposit policyMarketing FAQ
Usually 1.5 months of employment costs by ACH bank debit or three months by wire or other methods; country terms vary. Salary, employer costs, benefits and platform fees count, and payment problems can raise it to six months. Its marketing FAQ advertises no upfront deposits; get the applicable terms in writing.
Deel
Deposit calculationEarly InvoicingDeposit refundsRefund timing
1 to 1.5 months of total charges (salary, employer costs, fixed allowances, management fees); country and contract changes can increase it. Eligible Early Invoicing accounts prepay each payroll instead, and a paid deposit moves to the Deel balance. Refunds, less amounts owed, go to a bank account or the Deel balance up to 60 days after termination completes and invoices settle.
G‑P
EOR budgeting guideEmploysome review
Amount is agreed and G‑P publishes no standard multiple; Employsome reports a sales quote of 1 to 2.5 months of total employment cost, depending on credit review. G‑P directs buyers to discuss the treatment of the deposit; a public refund deadline was not verified.
Multiplier
Refund within 60 days of the employee’s last working day if outstanding sums have been paid; a threatened or filed employee claim can delay release until settlement. Check the order form: Multiplier can collect a separate reserve for termination costs alongside the security deposit.
Oyster
Why a deposit is requiredCustomer termsDeposit return timing
Usually about one month of salary, employer costs and service fees per employee. Terms: one-month minimum, top-ups on five days’ written notice, and return within 60 days of the later of receipt or confirmation of all amounts owed. A credit note typically arrives around 60 days after departure and offsets invoices; a cash refund may be offered when no team members remain.
Papaya Global
No standard EOR multiple. Its pricing guide places EOR deposits in segregated accounts; the advertised no-deposit feature is for Contractor of Record.
Pebl
A security payment called Payroll Funding is required per worker before onboarding. The amount varies with the worker and may rise when Pebl recognizes prior seniority; ordinary payroll prepayment is separate.
Remote
Normally one month of base salary plus mandatory employer costs, excluding the management fee; moving from 14-day to 30-day payment terms adds a month of reserve per employee. Credit review can reduce or waive the standard reserve, but nonstandard terms can still require one, and you may still need to fund extra contractual notice or service accrued before a transfer.
RemotePeople
Deposit policyPricingTerms and conditions
Usually one month of gross income, set by the country proposal; it may rise for higher pay or a longer notice period. Global and Select offers need their own terms. Refund within 5 days of final payment and payroll confirmation, once liabilities settle. The agreement permits deductions and two-business-day top-ups; an invoice over 60 calendar days overdue can trigger forfeiture.
Rippling
The Start-up Stack offer excludes EOR deposits from its discount; the public offer gives no general amount.
Other providers: deposits and refunds
66 sourcesA.R.E.E. Workforce Tech
One month’s salary. Its example uses a THB 50,000 deposit on a THB 50,000 gross monthly salary.
Acclime
Usually two months of payroll. Acclime may reduce it to one month after it completes its customer identity checks and you onboard more than three employees in Malaysia.
Acumen International
Its onboarding guide describes security sized by country risk, seniority and expected payroll, without publishing a binding multiple for its own service.
Alcor BPO
Requires no deposit or advance payment under its published pricing.
Asanify
One month of salary, statutory contributions and the EOR fee for each employee.
Aspire
Standard deposit is 1 to 1.5 months of gross pay, employer costs and the EOR platform fee. A longer notice period, no probation, added leave or variable pay can increase it.
AYP Group
Some countries require a deposit, typically based on local notice obligations; the country quote sets the amount.
Bestar
Its published Singapore quotation example calls for a deposit of two months of total payroll costs on onboarding.
BGC Group
The proposal sets an interest-free deposit. It can change with worker costs and must be paid before BGC signs the employment agreement.
Bizky
Refundable deposit based on total employer cost. The pricing example suggests about one month, but the page leaves its amount and day count as placeholders elsewhere; get both in the quote.
Boundless
Advertises no deposit for its Netherlands EOR service; confirm the position separately for other countries.
Byalance
One to two months of total employee compensation cost. The deposit must clear before contract preparation and can fund obligations if a transfer arrives late.
Cosec
Refundable deposit set in the UAE quotation, paid separately from one month’s salary in advance before the visa application.
Elephant EOR
One month of total employment cost per employee, separate from the service fee.
Emerald Technology
One month of employment costs, including for senior sales hires. Ask how the quote treats variable commission.
Employer of Record Netherlands
A deposit may be required. The monthly employment-cost quote and direct-debit invoices are separate.
Employer of Record UAE
Some hires require a salary deposit, commonly about one month of gross salary; the individual quote sets the amount.
Employor
For an indefinite contract, the deposit is four times the Client Rate defined in clause 4.1 of the service agreement. The FAQ describes this as an exceptional case. Fund it before the contract starts.
éxodo bpo
Two months of labor costs, plus a provision for prior service the employer agrees to recognize. One month’s advance is separate. The reserve excludes management fees, currency conversion and the monthly termination fund.
Flamingo
Each EOR employee needs a refundable deposit in the amount shown on the quote, payable before employment starts. An increase in employment costs can trigger a top-up.
Foothold America
Excess is returned after deductions. Under the US agreement, you must request the refund in writing within one year of the end of the last service or forfeit the balance: a claim deadline, not a promise to pay within a year.
FreelanX EOR
Returned with a credit note within 15 days of the engagement ending, once all amounts are settled.
Gini Talent
In some countries, one month of salary; the country quote identifies the requirement before signing.
Glints TalentHub
One-month deposit. The EOR price comparison does not specify whether that month covers base salary, employer costs or service fees.
Global Expansion (GX)
Invoicing and payroll fundingClient service charter (PDF)
One or more months of gross employer costs and service fees, invoiced before the start date; the first month’s costs and fees are funded separately. The older client charter gives four weeks after final payments in the process section but a four-to-six-week target after final payroll elsewhere; confirm the deadline in your current agreement.
Global Squirrels
One month’s deposit, alongside monthly advance payment of employee pay and the subscription fee. Confirm precisely which costs form the deposit base.
Gloroots
No provider-specific deposit multiple verified. Its buyer guide describes several approaches used across the market.
Hire with Columbus
Iceland hiring guideSwitzerland hiring guideService terms
No deposit on the published Iceland and Switzerland offers. The general service terms bill fees monthly in advance.
HireGlobal (Toptal)
May require a deposit per worker; the Local EOR terms do not set a standard amount.
HROne
A deposit applies in certain cases; the China proposal sets the amount and calculation base.
Husys Consulting
The India EOR offer explicitly waives the security deposit.
InsourceIndia
The first invoice includes a security deposit of one month’s gross salary.
Lano
Most countries: one month of salary, employee costs and Lano’s management fee. Some require two months because of local rules or different payment terms. Payment follows employment contract signature.
Listo Global
Normally one month of expected pay, including bonuses or commissions, social benefits and service fees. It can change with compensation; replenish amounts used within 15 days.
Mauve Group
The current amount for China requires a proposal. A 2017 country report gave three months of total salary costs; do not budget that as a current or worldwide term.
MixWork
One to two months depending on the engagement. Ask which salary, employer and service costs form the base.
Native Teams
Deposit help articleGeneral terms of use
The EOR help center gives one month of gross salary plus 20%. The general terms say the platform shows any applicable deposit before confirmation; where required, funds must clear before onboarding.
Niural
Unused balance returned 60 days after all matters arising from termination or resignation are fully resolved. Niural may apply the balance to customer liabilities.
NNRoad
The expat employment service describes a deposit; the publicly verified material sets no general multiple.
Outstaffer
1.5 times the combined plan charges and direct employment costs for each employee, due on receipt of the new-hire invoice. Pay rises, late payment or higher termination exposure can increase it.
PamGro
Lists a one-month security deposit, but its own column does not specify which salary, employer costs or fees make up that month.
Plane (formerly Pilot)
One month of the employee’s expected payroll plus employer taxes, collected when the client approves the deposit during onboarding.
Playroll
One month of salary per employee at onboarding.
Rapid
May require a reserve payment or standby letter of credit; the amount and eligibility need a written quote.
RecruitGo
One month of gross salary plus one month’s EOR fee, due at the start of the engagement.
RemotePass
A refundable deposit is due after the statement of work is signed, with no standard amount given. The employee is invited to sign after payment is confirmed.
Remunance
Directs buyers to their commercial terms. Its India guide describes typical market deposits but sets no Remunance-specific multiple.
Revolut GlobalHire
Waives the upfront deposit for customers that pass its internal eligibility assessment, and gives no standard deposit for customers who do not qualify.
Rise (RiseWorks)
Says it does not require upfront payroll deposits on its EOR service. Check the funding date for the first ordinary payroll.
Rivermate
The signed scope sets the amount, due within five days of its effective date. The template uses a specified number of months of the consulting fee plus one month’s management fee.
Settlr Global
Refundable deposit sized to the team’s employment costs; the provider does not give a fixed multiple.
Skuad (Payoneer Workforce Mgmt)
Current multiple unverified. In 2023 Skuad described a separate security-deposit invoice for each EOR hire; confirm whether the current Payoneer agreement uses that model.
Smart Outsourcing Solution (SOS)
Invoices one month of base salary at commencement and annually, with adjustments for pay increases. Advance payroll funding is separate.
Sourcefit
A refundable deposit equal to one month’s total fee; ask for an itemized calculation of that fee. Its staff-augmentation offer has different terms.
StratEdge Global
Advertises no starting deposit. Its invoices are payable within ten business days.
SynkPay
No salary deposit on the stated India EOR offer. SynkPay invoices at the start of the month and pays employees at month-end.
Tarmack
Lists its EOR service with no deposit.
Teamed
One month of each employee’s gross salary. Before first payroll, separately fund salary, employer contributions and the service fee.
Tiger Recruitment
The client agreement sets the initial deposit; regular payroll invoices follow separately.
Toku
Refundable deposit per worker, due within three days of accepting the terms, adding a worker or adding a grant. No fixed amount is published.
TopSource Worldwide
The order sets the per-worker deposit based on local rules and the notice period. Unless the order differs, pay within seven days of invoice and before employment starts, and restore deductions within seven business days of written demand.
Vertrou
One or two months of salary, depending on the deposit option selected for the South African hire. The calculator separates the deposit from the first month’s employment cost.
Wisemonk
Describes its India EOR service as having no refundable deposit.
WorkMotion
Notice period in months × total monthly employment cost, or an amount based on the client’s credit and other risks, rounded up to the next 500 invoice-currency units. Required funds must clear before onboarding.
worknow
Normally 1.5 months of total employment costs, including gross salary, employer contributions and fixed recurring pay. May rise to two months unless otherwise agreed.
Zero-Ten Park Philippines
One month of gross salary plus benefits and estimated taxes or fees. Separate one-month payroll prepayment and contingency reserve of at least 10% of monthly gross salary. Initial invoice due at least five business days before the hire starts.
If you spot a changed price or a conflicting source, send it through the contact page and we’ll review it.
