Native Teams Review
Native Teams is a Skopje-based EOR platform that uniquely combines legal employment infrastructure with a full fintech layer — multi-currency wallets, physical Mastercards, dedicated IBANs, and earned wage access — in one platform. Serving 3,000+ businesses across 85+ countries from $99/month, Native Teams is the go-to solution for remote-first companies and contractors who want the most financially flexible employment experience available.
Countries
Companies
Per Employee/Month
Setup Time
Provider Highlights
Advantages
- Only EOR provider combining employment with a multi-currency fintech wallet
- Physical Mastercard and dedicated IBAN for every employee
- Earned wage access built into the employee experience
- Contractor management from $19/month — most affordable in market
- Salary-scaled EOR pricing from $99/month for lower earners
Limitations
- Smaller country network at 85+ vs 150–185+ for top competitors
- Less compliance depth than Deel, Remote, or G-P
- Limited enterprise features and HRIS capabilities
- No mobile app available
- Less suitable for large or regulated-industry enterprise teams
Platform Features & Capabilities
Employer of Record (EOR)
Native Teams provides EOR services across 85+ countries with a unique salary-scaled pricing model starting at $99/month for lower earners — making it the most affordable EOR for cost-sensitive hiring in emerging markets. The platform handles compliant employment contracts, payroll, statutory benefits, and tax compliance. Coverage is smaller than top-tier competitors but adequate for common hiring markets across Europe, Asia, and Latin America.
Fintech Layer
Native Teams is the only EOR provider that combines employment infrastructure with a full fintech platform. Every employee receives a multi-currency wallet, physical Mastercard, and dedicated IBAN — enabling them to receive salary, hold funds in multiple currencies, and spend directly without third-party banking. This is genuinely unique in the EOR market and particularly valuable for remote workers in countries with limited banking infrastructure.
Earned Wage Access
Built-in earned wage access allows employees to access a portion of their earned salary before the regular pay date. This feature improves employee financial wellbeing and is integrated directly into the employment platform — no separate provider needed.
Contractor Management
Contractor management starts at $19/month — the most affordable in the market. The platform handles compliant contractor agreements, invoicing, and payments. Combined with the fintech wallet, contractors can receive payments and manage funds in a single platform.
Tax & Compliance
Native Teams handles statutory compliance, tax filing, and social security contributions in all supported markets. The platform is strongest in European markets, particularly in the Balkans and CEE region where the company has deep local expertise. Enterprise features and advanced HRIS capabilities are limited compared to larger platforms.
What Users say
Fintech Layer
The multi-currency wallet, physical Mastercard, and dedicated IBAN are the most praised features across reviews. Users describe the financial tools as a genuine differentiator that makes receiving international salary feel like a local banking experience. The ability to hold funds in multiple currencies is valued by remote workers.
Onboarding & Setup
Users report a straightforward setup process. The platform combines employment onboarding with financial account creation in a single flow. Most users are operational within days. The process is described as simpler than traditional EOR providers.
Earned Wage Access
The built-in earned wage access feature receives positive feedback from employees who appreciate the flexibility of accessing earned salary before the regular pay date. This feature is noted as particularly valuable in markets where monthly pay cycles create cash flow challenges for workers.
Platform Limitations
Users note that the HRIS features are basic compared to larger platforms. Enterprise features like advanced reporting, workflow automation, and deep integrations are limited. The platform is best suited for small to mid-sized teams rather than complex enterprise operations.
Value for Money
The salary-scaled pricing starting at $99/month is seen as very affordable, particularly for hiring in emerging markets where salary levels are lower. The $19/month contractor management is the cheapest in the market. Users feel they get strong value for the fintech-enhanced employment experience.
OUR TAKE
Is Native Teams the Right EOR for You?
Native Teams is a strong choice for companies that prioritize a flexible employment platform combining legal compliance with fintech tools for remote-first teams. While it excels at multi-currency wallets, physical Mastercards, and affordable contractor management from $19/month, it may not be the best fit if your priority is deep enterprise compliance or a wide country network above 85 markets. Use our free comparison tool to see how it stacks up against alternatives for your specific needs.
Best For
Contractor Management
Businesses paying and managing international freelancers and contractors compliantly.
Cost-Conscious Teams
Budget-focused companies seeking transparent, affordable EOR without hidden fees.
Remote-First Teams
Fully remote companies managing distributed workforces across multiple time zones.
First Global Hire
Companies making their very first international hire with no local entity.
ALTERNATIVES
How it compares
Native Teams vs Remofirst
Remofirst covers 185+ countries at $199/month with free contractor management. Native Teams covers 85+ countries from $99/month with a unique fintech layer (wallet, Mastercard, IBAN). Remofirst wins on country coverage; Native Teams wins on employee financial tools and the lowest entry pricing for smaller salaries. Choose Remofirst for wide global coverage; choose Native Teams for fintech-enhanced employment.
Compare Native Teams vs Remofirst →
Native Teams vs Remote People
Remote People covers 150+ countries at $199/month with in-house recruitment. Native Teams covers 85+ countries from $99/month with financial tools. Remote People is better for multi-country hiring with recruitment support; Native Teams suits remote workers wanting the most financially flexible employment experience.
Compare Native Teams vs Remote People →
Native Teams vs Playroll
Playroll covers 180+ countries at $399/month with dual-side support and a White Label product. Native Teams covers 85+ countries from $99/month with fintech tools. Playroll has wider coverage and unique B2B features; Native Teams is significantly cheaper with the unique financial infrastructure.
Compare Native Teams vs Playroll →
Native Teams vs Deel
Deel offers the most comprehensive platform with 250 owned entities, 300+ integrations, and $599/month pricing. Native Teams offers a niche fintech-employment combination from $99/month across 85+ countries. Deel is the enterprise-grade choice; Native Teams suits cost-sensitive remote-first teams who value financial tools over platform breadth.
Clear, Published EOR Pricing for Remote-First Fintech Teams
Native Teams' pricing is structured around a salary-scaled per-employee monthly fee starting from $99, with costs varying by employee salary and country. Contractor management starts from $19/month. Setup fees and termination costs are not publicly disclosed. Volume discounts are available on request. Always confirm the final quote directly, as local taxes and compliance costs may be added.
Pricing Breakdown
Base Monthly Fee (Per employee, per month)
Setup Fee (One-time, varies by country)
Termination Fee (Covers statutory costs)
Volume Discounts (Available for 10+ employees)
Countries where it operates
Latest news & updates
2025 — Fintech Layer Expansion
Native Teams expanded its unique fintech offering with improved multi-currency wallet functionality, physical Mastercard availability in additional markets, and enhanced earned wage access features. The combination of EOR and fintech tools continued to differentiate Native Teams from traditional EOR providers.
2025 — Country Coverage Growth
Native Teams grew its country coverage to 85+ markets, with strengthened presence in European and CEE markets. The salary-scaled pricing model starting at $99/month continued to attract cost-sensitive remote-first companies and contractors in emerging markets.
Frequently asked questions
Questions about the EOR Provider.
Still have questions?
Ask our team and get clear, unbiased guidance tailored to your situation.
How much does Native Teams cost?
Native Teams uses salary-scaled EOR pricing starting at $99/month for lower earners, increasing based on salary level. Contractor management starts at $19/month — the most affordable in the market. The pricing model makes it particularly cost-effective for emerging markets.
What is Native Teams' fintech layer?
Every employee and contractor on Native Teams receives a multi-currency wallet, physical Mastercard, and dedicated IBAN. This allows them to receive salary, hold funds in multiple currencies, and spend directly — no separate banking needed. This is unique in the EOR market.
What is earned wage access?
Native Teams' built-in earned wage access allows employees to access a portion of their earned salary before the regular pay date. This improves financial flexibility and is integrated directly into the employment platform at no extra cost.
How many countries does Native Teams cover?
Native Teams covers 85+ countries, with strongest presence in Europe and the CEE/Balkans region. This is smaller than top-tier competitors (150–185+ countries) but adequate for common hiring markets.
Is Native Teams suitable for enterprise companies?
Native Teams is best suited for small to mid-sized remote-first companies and individual contractors who value financial flexibility. Enterprise features and advanced HRIS capabilities are limited compared to platforms like Deel or Rippling.
Does Native Teams have a mobile app?
No. Native Teams does not currently offer a mobile app. All platform functionality is accessible through the web interface.
Still have questions?
Ask our team and get clear, unbiased guidance tailored to your situation.
Switching to or from Native Teams?
Switching to Native Teams
Native Teams supports onboarding for companies moving employees from another EOR. The migration includes contract novation, payroll setup, and activation of the fintech layer (multi-currency wallet, Mastercard, IBAN) for each employee. The salary-scaled pricing model means costs are immediately clear based on employee salary levels.
Switching away from Native Teams
When leaving Native Teams, employees will lose access to the fintech tools — multi-currency wallet, Mastercard, and earned wage access. Ensure all salary history and tax documents are exported. Coordinate the closure of financial accounts alongside the employment transition. If moving to a larger EOR for broader coverage, the transition is typically straightforward.
Questions to ask before switching any EOR
Before switching to or from any EOR provider, confirm: Will there be a gap in employment or benefits coverage? Who handles employee communication during transition? Are there overlapping billing periods? Will payroll history transfer in a usable format? Are there country-specific restrictions on contract novation?
Find a better EOR — without risk
Compare EOR providers to gain insights on cost, coverage, and contract flexibility, ensuring compliance and payroll continuity.
.png)
.png)
