The All in One Payroll Platform

Global payroll, Employer of Record, Contractor of Record, business banking, and international payments, all in one platform. You can hire, pay, and manage your whole team, employees, and contractors, without switching between tools.

An EOR legally employs your team in a country where you have no entity. Garna becomes that legal employer; you manage the day-to-day work.

Garna manages the contract, compliance, and payments for your freelancers, so you're protected from misclassification risk without having to become their legal employer.

An EOR is designed for full-time employees who need local employment contracts, benefits, and payroll compliance. Contractors work independently and are typically hired for specific projects or services without an employment relationship.

Yes, by opening your own legal entity. It works, but incorporation, local payroll, and ongoing compliance make it slow and expensive at a small headcount. Check at what team size it's cheaper to set up your own company instead of using an EOR.

1. All-in-one service in one place: hire employees via EOR, work with contractors of any type (individuals, sole proprietors, or legal entities), and run your everyday banking¹ from a single platform. 2. Transparent pricing without hidden fees. 3. Truly global payouts: pay to 150+ countries in 80+ local currencies using bank transfers, cards, PayPal, local e-wallets, or crypto. 4. Business banking included: multi-currency IBANs in your company name and transfers to 150+ destinations, provided by a separate licensed entity. 5. Reliable payment infrastructure: one of the largest payment networks in the industry, with 20+ banking partners and payment systems. 6. Virtual cards: issue a card in the app, add it to Apple Pay or Google Pay, and pay directly from your Garna balance². 7. Responsive human support whenever you need help. ¹ Business banking services are provided through a separate licensed payment entity/provider. ² Card issuance and card payment services are provided through a licensed third-party payment provider and are subject to KYC, eligibility, and applicable terms.

In most countries, we can hire a new employee in no more than one business day. Once we receive the confirmed offer details and the employee completes the required onboarding steps, including uploading documents and signing the contract, we ensure a smooth and fast start while supporting both you and the new hire.

In most cases, you can have your first contractor onboarded in less than 20 minutes. Once you create a business account and pass verification, you can start inviting contractors. Garna also offers real-time payment options, so contractors can receive their remuneration the same day.

We support bank transfers (SWIFT, SEPA, and bank transfers in local currencies), card payments in local currency, PayPal, Payoneer, other e-wallets, and cryptocurrency payments¹. With Garna, you can issue a digital card in the app, add it to Apple Pay or Google Pay, and pay directly from your Garna balance². ¹ Cryptocurrency payment services are provided through a licensed third-party provider and are subject to availability, eligibility, and applicable terms. ² Card issuance and card payment services are provided through a licensed third-party payment provider and are subject to KYC, eligibility, and applicable terms.

Yes, it works as a regular business account for everyday banking, not just for payroll and contractor payments. With a Garna Business Account, you can get multi-currency IBANs in your company name, receive payments, and send transfers to 150+ destinations¹. ¹ Business banking services are provided through a separate licensed payment entity/provider.

Beyond contractor management and payroll, you can access business benefits and receive discounts for Slack, Google Workspace, AWS, and accounts with over 100 other service providers at no extra cost.