TikTok lets you link a bank account so the platform can send you earnings from Creator Fund, gifts, or subscriptions directly to your bank
TikTok does not add a payment method to send money to TikTok. Instead, you add a bank account so TikTok can send money from TikTok to you. The process differs depending on whether you are receiving Creator Fund payments, gift earnings, or subscription revenue. In all cases, you will need your bank's routing number and your account number, and TikTok will verify the account before any money moves.
The steps vary slightly by country and by which earnings program you use. This guide covers the most common setup in the United States. If you are outside the US, TikTok may route payouts through a third-party payment processor instead of directly to your bank.
Key Takeaways
- You add a bank account in TikTok's Creator Fund or Monetization settings, not in a general payment section, so the location depends on which earnings program you use.
- TikTok requires your bank's routing number and your account number, and will verify the account with two small test deposits before releasing full payouts.
- The verification process usually takes three to five business days, and you must confirm the deposit amounts in your TikTok app to complete it.
- If verification fails, the most common reason is a typo in the routing or account number, and you can delete and re-enter the account to try again.
- Some earnings programs (like gifts) may use a different payout method than Creator Fund, so check which program you are enrolled in before you start.
Where to find the bank account settings in TikTok
Open TikTok and go to your profile. Tap the three horizontal lines (menu) in the top right corner. Scroll down and tap Creator Center or Monetization — the exact name depends on your app version and region. Inside Creator Center, look for Balance or Earnings. Tap that section.
From there, you should see an option to add a payout method or bank account. The button might say Add Payout Method, Withdraw, or Bank Account. Tap it. If you do not see this option, your account may not yet be enrolled in a monetization program, or you may not meet the minimum follower or view requirements for that program.
What information TikTok needs from you
TikTok will ask for your full legal name (as it appears on your bank account), your bank account type (checking or savings), your account number, and your bank's routing number. The routing number is a nine-digit code that identifies your specific bank branch. You can find it on the bottom left of any check, or by calling your bank or visiting their website.
Do not confuse the routing number with your account number. Your account number is unique to your account at that bank and is usually 10 to 12 digits. If you enter the wrong number for either field, the verification will fail and you will have to delete and re-enter the account.
TikTok may also ask for your tax identification number (your Social Security Number if you are a US citizen or resident). This is required for tax reporting purposes and is standard for any platform that pays creators.
How TikTok verifies your bank account
After you submit your bank details, TikTok will send two small test deposits to your account — usually between $0.01 and $0.99 each. These deposits appear in your bank account within three to five business days. The amounts are random and different each time, so you cannot guess them.
Once you see the deposits in your bank account, go back to your TikTok app and enter the two amounts in the verification field. TikTok will confirm that the amounts match. If they do, your bank account is verified and you can receive payouts. If they do not match, you will see an error and can try again — but if you fail multiple times, TikTok may lock you out temporarily.
Do not delete or close the bank account before verification is complete. If TikTok cannot find the test deposits, the verification will fail.
What happens after your bank account is verified
Once verified, your bank account is linked to your TikTok earnings. Money from Creator Fund, gifts, or subscriptions will be deposited on TikTok's payout schedule, which varies by program. Creator Fund typically pays monthly, while gift earnings may pay weekly or monthly depending on your tier. You will see the payout date in your Earnings section before the money leaves TikTok.
Payouts are sent via ACH transfer, which is a standard bank-to-bank electronic transfer. ACH transfers usually take one to three business days to appear in your account after TikTok sends them. Weekends and bank holidays can add extra time.
You can check the status of a payout by going to your Balance or Earnings section and looking for a transaction history or payout log. Most platforms show you the date the payout was sent and the expected arrival date.
If verification fails or your bank account is rejected
The most common reason for failure is a typo in the routing number or account number. Double-check both numbers against your bank statement or your bank's website. If you find an error, delete the account from TikTok and add it again with the correct information.
Some banks flag ACH transfers from unfamiliar sources as suspicious. If your bank rejected the test deposits, call your bank and ask them to allow transfers from TikTok. You may need to provide TikTok's ACH originator ID, which TikTok can give you if you contact their support.
If you have tried multiple times and verification still fails, contact TikTok Creator Support through the app. Go to your profile, tap the menu, scroll to Help, and select Report a Problem. Describe the issue and include the routing and account numbers you used (TikTok support can see this information and will not ask you to send it again).
Changing or removing your bank account
If you want to switch to a different bank account, go back to your Payout Method or Bank Account section and look for an option to edit or delete the current account. Delete the old one first, then add the new one. You will have to go through the verification process again with the new account, so plan for three to five business days of downtime before payouts resume.
If you delete your bank account but do not add a new one, any earnings you have will stay in your TikTok balance and will not be paid out. You can add a new account at any time to withdraw that balance.
Frequently Asked Questions
Can I use a savings account instead of a checking account?
Yes. TikTok accepts both checking and savings accounts. When you add your account, you will see a dropdown menu asking you to select the account type. Choose whichever type your account is. The routing number and account number are the same regardless of type.
What if I do not see the Creator Center or Monetization option?
Your account may not meet the requirements for monetization. Most TikTok earnings programs require a minimum of 10,000 followers and 100,000 video views in the last 30 days. If you do not see the option, you likely have not reached these thresholds yet. Check back once your account grows.
How long does it take for money to show up in my bank account after TikTok sends it?
ACH transfers typically take one to three business days. If you see the payout marked as sent in your TikTok app but it has not arrived after three business days, contact your bank to confirm they received it. TikTok support can also provide a transaction reference number to help your bank track it.
Can I link multiple bank accounts to TikTok?
Most creators can only link one bank account at a time. If you want to change which account receives payouts, you will need to delete the current one and add a new one. Some business accounts or agencies may have different options, but this is the standard setup for individual creators.
What if my name on TikTok does not match my legal name on my bank account?
Your TikTok username does not have to match your bank account name. When you add your bank account, TikTok asks for your legal name — the name that appears on your bank account and tax documents. Use that name, not your TikTok username. If the names do not match, the bank may reject the transfer.