How to Withdraw Money from Instagram to Bank Account?

So, you’ve been creating amazing content, your audience is growing, and you’ve started making money on Instagram. That’s awesome! But now you’re probably asking the most important question: “How to withdraw money from Instagram to bank account?“

It can feel a little confusing at first because there isn’t a big “Withdraw” button. But don’t worry! Getting your hard-earned cash from your Instagram account to your personal bank account is actually a simple, automated process once you set it up.

This guide will walk you through every single step in plain, simple English. We’ll cover everything from setting up your payment details to understanding when you’ll get paid. Whether you’re earning from Reels, Subscriptions, or Gifts, this article is for you.

Let’s get that money from your screen to your wallet!

📈 First Things First: Are You Eligible to Get Paid on Instagram?

Before we talk about withdrawing money, we need to make sure you’re set up to receive it. Instagram has a few rules to ensure everything is fair and safe. This is part of its Instagram monetization eligibility policy.

Think of it like getting a job – you need to fill out some paperwork first. To earn and receive money directly from Instagram, you need to:

• Be at least 18 years old.
• Live in an eligible country. (Most monetization features are available in many countries, but it’s always good to check the latest list from Instagram).
• Have a Professional Account. This can be either a Creator account or a Business account. If you have a Personal account, you can switch for free in your settings.
• Follow Instagram’s Rules. This includes their Partner Monetization Policies and Community Guidelines. Basically, be a good creator and post original, appropriate content.

You can easily check your eligibility right in the app. Just go to your profile, tap on the “Professional Dashboard,” and look for a “Monetization” or “Branded Content” section. It will often tell you which features you are eligible for.

🏦 The Heart of the Matter: Setting Up Your Payout Account

This is the most important part of the process. To withdraw money from Instagram to your bank account, you need to tell Instagram where to send it. You do this by setting up a “payout account.”

Once you set this up, Instagram will automatically send you your earnings every month, as long as you meet the payment minimum.

Step-by-Step Guide to Linking Your Bank Account to Instagram

Ready to connect your account? Follow these steps carefully. It’s best to do this in a quiet place where you can focus to avoid any mistakes.

1. Go to Your Profile: Open the Instagram app and tap on your profile picture in the bottom-right corner.
2. Open the Professional Dashboard: Right below your bio, you’ll see a button that says “Professional Dashboard.” Tap on it.
3. Find the Payouts Section: Scroll down until you see a section for your tools. Tap on “Payouts.” If you’ve earned money for the first time, you might see a notification prompting you to “Set Up Payout Account.”
4. Enter Your Information: Instagram will now guide you through the setup. You will need to provide:
   • Your Legal Name and Address: Make sure this matches your official documents and bank records.
   • Your Business Type: Choose “Individual” if you are a solo creator.
   • Your Tax Information: You’ll be asked to provide your tax identification number (like a PAN card number in India or a Social Security Number in the US). This is a legal requirement for tax purposes.
5. Choose Your Payout Method: Now, you get to decide how you want to receive your money. Tap on “Update Payout Method.” You will usually have two options.
6. Link Your Bank Account or PayPal:
   • For a Bank Account: Select the option to manually link a bank account. You will need to enter your bank details very carefully.
     • Account Holder Name
     • Bank Account Number
     • Bank’s Routing Number or IFSC Code
   • For PayPal: You can also choose to link your PayPal account. You’ll be redirected to log in to PayPal to authorize the connection.

Pro Tip: Double-check, and then triple-check, your bank account number and routing/IFSC code. A small typo can cause major delays in your payment.

Once you have submitted your details, your Instagram payout settings are complete!

Choosing Your Payout Method: Bank Account vs. PayPal

Not sure which one to pick? Here’s a quick comparison to help you decide.

Feature	Bank Account (Direct Deposit)	PayPal
Speed	Takes a few business days (3-7 days) for the money to appear after Instagram sends it.	Can be instant once Instagram sends it to your PayPal wallet.
Fees	Instagram usually doesn’t charge a fee. Your bank might, but it’s rare.	PayPal may charge a fee for receiving money or when you transfer it to your bank.
Convenience	The money goes straight into your bank, ready to use.	You have an extra step – moving the money from PayPal to your bank.
Recommendation	Best for most creators who want a simple, fee-free process.	Good if you use PayPal a lot already and don’t mind the potential fees.

⚙️ Understanding How Instagram Payouts Work

Now that your account is set up, let’s look at how the actual payment process works. It’s not instant, so it’s good to know what to expect.

The Instagram Payout Threshold: What is it?

Instagram doesn’t send you small payments every day. Instead, they wait until your earnings reach a certain amount. This is called the Instagram payout threshold.

• The threshold is usually $100 (or the equivalent in your local currency).

Think of it like a piggy bank. Instagram collects all your earnings from Reels, Subscriptions, Gifts, etc., and holds them for you. Once the total in your piggy bank reaches $100, Instagram will schedule it for the next payout.

What if I don’t earn $100 in one month? No problem! Your money is safe. The balance will simply roll over to the next month. For example, if you earn $60 in October, that amount will stay there. If you then earn $50 in November, your total becomes $110. Since that’s over the $100 threshold, you’ll be paid the full $110 in the next payment cycle.

When Do You Get Paid? The Instagram Payout Cycle

So, how long does Instagram payout take? Instagram has a monthly payment schedule.

• Payments are typically sent out around the 21st of each month.

This payment is for the earnings you made in the previous month.

Example: All the money you earn between October 1st and October 31st will be calculated and sent to your bank account around November 21st.

Keep in mind, after Instagram sends the money on the 21st, it might take your bank a few extra business days to process it and show it in your account. So, don’t panic if you don’t see it exactly on the 21st.

Where to Track Your Earnings and Payouts

You can easily keep an eye on your money.

1. Go to the Professional Dashboard.
2. Tap on Payouts.

Here, you will see a detailed breakdown:

• Estimated Earnings: A running total of what you’ve earned in the current month.
• Transactions: A list of all your earnings from different sources (like a gift on a Live video or a new subscriber).
• Payouts: A history of all the payments Instagram has sent you in the past. It will show the date and the amount.

💰 Withdrawing Money from Different Instagram Features

You might be earning money from several different features on Instagram. The good news is that all the money you earn directly from Instagram goes into ONE single payout account. You don’t need to set it up separately for each feature.

How to get money from Instagram Reels Play Bonus

The Reels Play Bonus program rewards creators for getting views on their Reels. If you are part of this program, the bonus money you earn is added to your total earnings. Once your total balance hits the $100 threshold, the Reels Play bonus payout will be included in your monthly payment.

Cashing Out from Instagram Subscriptions

With Subscriptions, your loyal fans pay a monthly fee for exclusive content. This recurring revenue is also added to your central payout account. Instagram handles the collection of payments from your subscribers, and you’ll see the earnings appear in your Payouts section.

Getting Paid for Instagram Gifts and Badges

When you go Live or post Reels, your followers can send you “Gifts” or “Badges,” which are virtual items they buy with real money. The value of these gifts is converted into money and deposited into your payout account, ready for the next payment cycle.

What About Affiliate Marketing and Brand Deals?

This is a very important point! Money from brand deals (sponsorships) or Instagram affiliate marketing does NOT go through the Instagram Payouts system.

• For Brand Deals: The brand pays you directly. This could be through a bank transfer, PayPal, or another method you agree on with them. You are responsible for sending them an invoice and arranging the payment.
• For Affiliate Marketing: When someone buys a product using your special link or code, the affiliate company (like Amazon Associates or others) pays you. You will need to set up your payment details on that company’s website, not on Instagram.

In short, Instagram’s payout system is only for money you earn from Instagram’s own monetization tools.

🛠️ Troubleshooting Common Instagram Payment Problems

Sometimes, things don’t go as planned. Here are some common Instagram payment problems and how to solve them.

• Problem: My payout is “On Hold.”
  • Solution: This usually means Instagram needs more information from you. Go to your Payouts section. There will likely be a notification telling you what to do. Most often, you need to verify your tax information or re-confirm your bank account details.
• Problem: I entered the wrong bank details.
  • Solution: Go back to Payouts > Payout Settings and carefully edit your payout method. If a payment has already been sent to the wrong account, you will need to contact Instagram support, but it’s best to fix this as quickly as possible.
• Problem: My payout is late.
  • Solution: Remember that it can take several business days for your bank to process the payment after Instagram sends it. Wait until the end of the month. If you still haven’t received it, you can contact Instagram’s creator support for help.
• Problem: I didn’t get paid this month.
  • Solution: The most common reason is that you didn’t reach the $100 Instagram payout threshold. Check your earnings balance in the Payouts section. If it’s below $100, your money is still there and will be paid out once you cross the threshold.

✅ Tips for a Smooth Payout Experience

Want to make sure you always get your money on time? Follow these simple tips:

• Keep Your Info Updated: If you move or change your name, be sure to update your personal and tax information in the Payouts section.
• Check for Notifications: Regularly visit your Professional Dashboard for any alerts or messages from Instagram about your account.
• Use a Secure Connection: When you enter your bank details, make sure you are on a private, secure Wi-Fi network to protect your information.
• Keep Records: Take screenshots or make notes of your monthly earnings. This is helpful for your own records and for tax purposes.

Conclusion

And there you have it! While there’s no magic button to instantly withdraw money from Instagram to your bank account, the process is simple and reliable once you’ve set it up.

The key takeaways are:

1. Set Up Your Payout Account: This is a one-time setup where you link your bank or PayPal account in the Professional Dashboard.
2. Understand the $100 Threshold: You’ll get paid automatically once your earnings reach $100.
3. Know the Payment Cycle: Instagram sends payments for the previous month around the 21st of the current month.

Now that you’re an expert on Instagram payout settings, you can stop worrying about the “how” and focus on what you love – creating incredible content that your audience enjoys. Keep up the great work!

Frequently Asked Questions (FAQs)

1. How much money do you need to withdraw from Instagram?

You need to have at least $100 in earnings in your account. This is the minimum Instagram payout threshold for them to send you a payment.

2. How long does Instagram payout take?

Instagram processes and sends payments around the 21st of every month for the earnings from the previous month. After they send it, it can take 3-7 business days for the money to appear in your bank account, depending on your bank.

3. Can I link my PayPal account instead of a bank account?

Yes! When you set up your payout method, Instagram gives you the option to link either a bank account for direct deposit or your PayPal account.

4. What happens if I don’t earn $100 in a month?

Your earnings are safe. The balance will simply roll over to the next month and will continue to do so until you cross the $100 threshold.

5. Does Instagram take a fee when I withdraw money?

Instagram itself does not typically charge a fee for bank transfers. However, if you choose PayPal as your payout method, PayPal may charge its own standard transaction fees.

6. How do I change my bank account details on Instagram?

You can change your details by going to Professional Dashboard > Payouts > Settings (the gear icon). From there, you can update your payout method with your new bank account information.

7. Why is my Instagram payout on hold?

A payout is usually put on hold if there’s an issue with your information. Most commonly, you need to update or verify your tax information or confirm your payout account details. Check the Payouts section for any alerts.

8. Can I get paid from Instagram without a business account?

You need a Professional Account, which can be either a Creator or a Business account. You cannot access monetization features with a Personal account. Switching to a Professional account is free and easy to do in your settings.

9. How do I withdraw money from Instagram affiliate marketing?

Money from affiliate marketing is paid by the affiliate company (e.g., Amazon), not Instagram. You will need to log into your account on that company’s website to set up your payment details and manage your withdrawals.

10. Where can I see my total earnings on Instagram?

You can see all your earnings and transaction history by navigating to your profile and tapping on Professional Dashboard > Payouts. This section gives you a complete overview of your earnings and past payments.