Where to find and change your bank account on eBay
You can change your bank account in eBay's Account settings under the Payments section. Log into your eBay account, go to Account, then select Payments and then Manage payments. From there, you'll see your current bank account listed. Click Edit next to the bank account you want to change, and you can update the routing number, account number, or remove it entirely.
The exact steps vary slightly depending on whether you're on desktop or mobile, but the Payments section is the same place either way. If you're on mobile, tap the Menu icon (three horizontal lines), then Account, then Payments.
eBay may ask you to confirm your identity before letting you change banking information, especially if you've recently added a new account or if there's been suspicious activity on your account. This is a security measure to prevent unauthorized changes.
Key Takeaways
- Your bank account is updated through Account > Payments > Manage payments, where you can edit or remove any linked account.
- eBay may require identity verification before allowing changes to banking information, which can take a few minutes to complete.
- You can have multiple bank accounts linked to your eBay account, so you don't have to remove the old one before adding a new one.
- Changes to your bank account take effect when ready for future payouts, but pending payouts to the old account will still go through.
What happens to payouts already in progress
If you change your bank account while eBay has a payout scheduled or in process, that payout will still go to the old account. eBay processes payouts on a set schedule—usually weekly or bi-weekly depending on your account status—and once a payout has been initiated, changing your bank account won't redirect it.
Check your Account > Payments > Payout history to see when your next payout is scheduled. If you need the money to go to a different account when ready, contact eBay's Resolution Center to see if they can stop a payout that hasn't cleared yet. Once money has left eBay's system and arrived at your old bank, you'll need to contact that bank to retrieve it.
Why eBay might not let you change your account
eBay sometimes locks you out of changing payment information if your account has been flagged for unusual activity, if there's a dispute or claim against you, or if you've recently violated eBay's policies. In these cases, you'll see a message explaining that you can't make changes right now.
If your account is locked, wait 24 to 48 hours and try again. If the lock persists beyond that, contact eBay's Resolution Center and explain that you need to update your banking information. They can sometimes override the restriction or tell you what needs to happen before you can make changes.
Adding a new account without removing the old one
You don't have to delete your current bank account before adding a new one. In the Manage payments section, you can click Add payment method and select Bank account. Enter the new account details, and eBay will verify it (usually within one to two business days) before you can use it for payouts.
Once the new account is verified, you can choose which one receives your next payout. Go back to Manage payments, and you'll see an option to set a preferred account. After you've confirmed the new account is working, you can remove the old one by clicking Remove next to it.
How eBay verifies a new bank account
When you add a new bank account, eBay deposits two small amounts (usually under $1 each) into that account within one to two business days. You'll need to log back into eBay and enter those exact amounts to confirm you own the account. This is called microdeposit verification.
Check your bank statement or your bank's app to find these deposits. They'll show up as coming from eBay or a related payment processor. Once you've entered the amounts correctly, the account is verified and ready to receive payouts. If you don't see the deposits after three business days, contact eBay to request they be resent.
What information eBay needs from you
To add or change a bank account on eBay, you'll need your routing number and account number. Both are printed on the bottom left of your checks, or you can find them by logging into your bank's website or app. Some banks call the routing number the "transit number" or "ABA number"—they're the same thing.
Make sure you're entering a checking or savings account in your own name. eBay does not allow payouts to accounts owned by someone else, even if you have permission to use them. If you're a business and want payouts to a business account, make sure your eBay account is registered as a business account.
Removing a bank account you no longer use
To remove a bank account, go to Account > Payments > Manage payments, find the account you want to delete, and click Remove. eBay will ask you to confirm, and the account will be deleted when ready. You can't remove an account if it's your only payment method on file, so you'll need to add a new one first.
Removing an account doesn't affect payouts that have already been sent. If you're removing an old account because it's closed or compromised, contact your bank to make sure no unauthorized charges can be made against it. eBay will no longer attempt to use it after you remove it from your account.
Frequently Asked Questions
How long does it take for a new bank account to start receiving payouts?
Once you've verified the account through microdeposit (one to two business days), it's ready to use when ready. Your next payout will go to whichever account you've set as preferred. If you set a new account as preferred on a Monday, for example, it may not receive a payout until the next scheduled payout date, which depends on your account status.
Can I change my bank account if I have an active dispute or claim?
eBay usually restricts payment changes while a dispute is open to prevent fraud. Once the dispute is resolved, the restriction lifts and you can update your information. If you need to change your account urgently, contact the Resolution Center and explain the situation—they may be able to help.
What if I enter the wrong routing or account number?
If the number is invalid, eBay will reject it when you try to save. If you enter a valid number but it belongs to the wrong account, eBay won't catch that—the microdeposit verification will fail because the deposits won't show up in the account you specified. You'll be asked to re-enter the correct numbers.
Do I need to tell eBay if my bank account is closed?
You should remove a closed account from your eBay profile to avoid confusion. If eBay tries to send a payout to a closed account, the bank will reject it and it will bounce back to eBay. eBay will then hold the funds and contact you, but it's faster to remove the account yourself and add a new one.
Can I use a joint bank account for eBay payouts?
Yes, as long as your name is on the account. eBay doesn't verify whose name is on the account during setup, but if there's ever a dispute about a payout, you may be asked to prove you own or have rights to the account. Using an account in only someone else's name violates eBay's terms.