Where to add your payment details in TikTok Creator Fund

To receive payouts from TikTok Creator Fund, you add your payment information through the Creator Fund settings in the TikTok app or on the web. Go to your profile, tap the three lines (menu), select Creator Fund, then tap the money icon or "Earnings" tab. From there, you'll see a "Withdraw" or "Payment Method" option where you enter your bank account details or connect a payment processor.

TikTok requires you to verify your identity before you can add payment information. This means providing your legal name, date of birth, and sometimes a photo ID. The verification step happens before the payment method step — you cannot skip it or add payment details without completing identity verification first.

The exact steps and button names shift slightly depending on whether you're on iOS, Android, or the web version of TikTok, and whether your account is in the United States or another country. The general flow stays the same: menu → Creator Fund → earnings section → add payment method.

Key Takeaways

  • You must complete identity verification in your Creator Fund settings before TikTok will let you add a payment method.
  • TikTok accepts direct bank account deposits in the United States through ACH transfer, and payment methods vary by country.
  • Your legal name on your payment method must match the name you provided during identity verification.
  • If you see an error when trying to add payment information, check that your identity verification is fully approved and that your account meets the Creator Fund requirements (10,000 followers, 100,000 video views in 30 days).

What payment methods TikTok Creator Fund accepts

In the United States, TikTok Creator Fund pays creators through direct deposit to a U.S. bank account. You provide your routing number and account number, and TikTok deposits earnings via ACH transfer, usually within a few business days of the payout date.

Outside the United States, payment methods vary by country. Some regions use bank transfer, others use local payment processors, and some use third-party services like Wise or PayPal. When you open the payment method section in Creator Fund, TikTok shows only the options available in your country or region.

TikTok does not accept payment to credit cards, prepaid cards, or digital wallets like Venmo or Cash App for Creator Fund payouts. The account you link must be a checking or savings account in your legal name.

Identity verification requirements before adding payment info

TikTok requires you to verify your identity using your legal name, date of birth, and a government-issued ID. The ID can be a driver's license, passport, or national ID card, depending on your country. You take a photo of the front and back of the ID through the TikTok app, and sometimes a selfie for comparison.

Verification usually completes within a few hours to a few days. If TikTok cannot read your ID clearly or if the name on your ID does not match the name on your TikTok account, the verification fails and you'll see a message explaining why. You can resubmit with a clearer photo or update your account name to match your ID.

Your legal name from the ID verification must match the name on your bank account. If they don't match, the bank may reject the deposit or TikTok may block the payment method from being added. Update your bank account name or your verified name before linking the account.

Steps to add a U.S. bank account to Creator Fund

After identity verification is approved, open TikTok and go to your profile. Tap the three horizontal lines (menu icon) in the top right, then scroll down and tap "Creator Fund." Tap the money icon or "Earnings" tab, then look for "Withdraw" or "Payment Method."

Tap "Add Payment Method" or the plus icon. Select "Bank Account" if you see multiple options. Enter your routing number (the nine-digit code at the bottom left of a check) and your account number (the longer number next to it). Double-check both numbers — a mistake here will cause the deposit to fail or go to the wrong account.

Enter the legal name on the account exactly as it appears on your bank statement. Tap "Confirm" or "Save." TikTok may send a small test deposit (usually under $1) to verify the account is real and in your name. Check your bank account for this deposit within a few business days, then return to TikTok and confirm the amount to complete the link.

What to do if payment information won't save

If you see an error when trying to add a payment method, first check that your identity verification shows "Approved" in your Creator Fund settings. If it still shows "Pending" or "Under Review," wait for approval to complete before trying again.

Verify that your account meets the Creator Fund requirements: at least 10,000 followers and 100,000 video views in the last 30 days. If you fall below either threshold, TikTok locks you out of the payment section until you meet them again.

Check that the name you entered during identity verification matches your bank account name exactly, including middle initials, suffixes, or hyphens. If they don't match, update your verified name through the identity verification section or contact your bank to change your account name.

If the error persists, try logging out of TikTok completely, clearing the app cache (Settings > Apps > TikTok > Storage > Clear Cache on Android; Settings > General > iPhone Storage > TikTok > Offload App on iOS), and logging back in. Then return to Creator Fund and try adding the payment method again.

When payouts happen and how long they take

TikTok Creator Fund pays out earnings monthly, usually between the 20th and 25th of each month. The payout covers earnings from the previous month. For example, earnings you make in January are paid out in February.

Once TikTok initiates the payout, the money travels from TikTok's account to your bank via ACH transfer. ACH transfers typically take 3 to 5 business days, so you may not see the money in your account until a few days after the payout date.

If you don't see a payout on the expected date, check your Creator Fund earnings dashboard to confirm the amount was processed. If it shows as sent but hasn't arrived after 5 business days, contact your bank to ask if the transfer is pending. Provide them with the date TikTok sent the payout and the amount.

Changing or removing your payment method

To change your payment method, go to Creator Fund, tap the money icon or earnings section, and look for "Payment Method" or "Withdraw." Tap the pencil icon or "Edit" next to your current bank account. You can update the routing number or account number without re-verifying your identity, as long as the account is still in the same legal name.

If you want to link a different bank account in a different name, you'll need to update your verified identity first. Go back to the identity verification section in Creator Fund settings and submit a new ID that matches the new account holder's name.

To remove a payment method entirely, tap the trash or delete icon next to the account. TikTok will stop sending payouts until you add a new payment method. Any earnings you've already made will remain in your Creator Fund balance and won't be lost.

Frequently Asked Questions

Can I use a joint bank account for Creator Fund payouts?

TikTok requires the account to be in your legal name as verified through your ID. A joint account may work if your name is listed as the primary account holder and matches your verified identity, but contact your bank first to confirm the account is in your name. Some banks list joint accounts under both names, which could cause issues.

What happens if my bank rejects the deposit?

If your bank rejects the ACH transfer, the money returns to TikTok and sits in your Creator Fund balance. Check your bank account for a rejection notice or contact your bank to ask why the transfer failed. Common reasons include a closed account, incorrect routing number, or a name mismatch. Fix the issue and update your payment method in Creator Fund.

Do I need to pay taxes on Creator Fund earnings?

Yes, Creator Fund earnings are taxable income in the United States and most other countries. TikTok does not withhold taxes or send you a tax form. Keep records of your monthly payouts and report the total as self-employment income on your tax return. Consult a tax professional about deductions you may be able to claim.

Can I add a payment method if I'm under 18?

TikTok Creator Fund requires you to be at least 18 years old to receive payouts. If you're under 18, you cannot add a payment method or withdraw earnings. Some creators under 18 have a parent or guardian add their own bank account and handle payouts, but TikTok's terms of service require the account holder to be an adult.

How do I know if my identity verification was approved?

Open TikTok, go to your profile, tap the menu, select Creator Fund, and look at the identity verification section. It will show "Approved," "Pending," "Under Review," or "Rejected." If it's approved, you can proceed to add a payment method. If it's rejected, tap on it to see the reason and resubmit with corrected information.