How to Withdraw Money From Instagram Ads?

Hello, creator! Welcome to the one-stop guide you’ve been looking for.

You’re putting in the work, creating amazing content, and maybe you’ve even started using Instagram ads. Now, you’re looking at your account and asking the big question: “how to withdraw money from Instagram ads?”

It’s a question we see all the time, and I’m going to be completely honest with you. The answer might not be what you think, but stick with me—because by the end of this article, you will understand exactly how money moves on Instagram.

Let’s clear up one very common point of confusion right away.

Instagram ads are a tool you pay for. Think of it like putting up a billboard in your town. You pay for the space to show your product or content to more people. You don’t “withdraw” money from the billboard itself.

So, when people ask “how to withdraw money from Instagram ads,” they usually mean one of two things:

1. “I accidentally added too much money to my ad account. How do I get it back?” (We’ll cover this!)
2. “I see people making money on Instagram. How do I get that money sent to my bank?” (This is the big one!)

You’re not here for a complex lecture. You’re here for simple, clear answers. This guide will give you just that. We will cover both sides of the coin: how you manage the money you spend on ads, and, most importantly, how you get paid from Instagram for your amazing content.

Let’s dive in and make you a master of your Instagram finances.

Let’s Be Clear: Ads Cost Money, Content Makes Money

This is the most important idea to understand. Grasp this, and the rest is easy.

• Instagram Ads: You give money to Meta (the company that owns Instagram) to show your posts to a wider audience. This is an advertising cost.
• Instagram Monetization: You receive money from Meta when your content earns it through features like bonuses, gifts, subscriptions, and more. This is your income.

Your “ad account” and your “payout account” are two completely separate things.

What is Instagram Ad Billing?

This is the “spending” part. Your Instagram ad billing section is where you manage the credit card or payment method Meta uses to charge you for the ads you run. You add a payment method, and Instagram charges it as you spend money on ads. It’s just like paying your phone bill. You can check Instagram ad charges here to see exactly what you’re paying for.

What is Instagram Monetization?

This is the “earning” part! This is how you how to make money on Instagram directly through the platform. Instagram monetization includes several features that allow creators to earn cash.

Here are the main ways you get paid from Instagram:

• Instagram Gifts: Viewers can buy “Stars” or “Gifts” and send them to you on your Reels and posts. You get a share of the money.
• Instagram Subscriptions: Your most loyal fans can pay a monthly fee (that you set) to get exclusive content, a special badge, and other perks.
• Bonus Programs: Sometimes, Instagram invites creators to special programs, like the Instagram Reels Play Bonus payout (though this program changes often). These programs pay you for hitting certain goals, like getting a certain number of views.

When you earn money from these features, that money builds up. You can then “withdraw” it. But the official term for this is getting a “payout.”

So, the rest of this guide is broken into two simple parts:

• Part 1: Managing your ad payments (the money you spend).
• Part 2: Setting up your account to get paid from Instagram (the money you earn).

Part 1: Managing Your Payments for Instagram Ads

Let’s quickly cover the “ad” part of the question. This is all about managing the money you pay to Instagram.

Where to Find Your Instagram Ad Billing Section

It’s a little hidden! Here’s how to find it:

1. Go to your Instagram Profile.
2. Tap on your “Professional Dashboard” (it’s right under your bio).
3. Scroll down and tap on “Ad tools”.
4. Tap on “Payment Settings”.

Here, you can see your Instagram ad billing history, your current balance (if you owe anything), and your payment methods.

Adding or Removing Your Payment Methods

In this “Payment Settings” menu, you can easily manage payment methods Instagram uses to charge you.

• To Add a Method: Tap “Add payment method.” You can usually add a credit/debit card or a PayPal account. This is what Instagram will charge for your ads.
• To Remove a Method: Tap on the payment method you want to remove and select “Remove.”

What About Your “Instagram Ad Account Balance”?

You might see an Instagram ad account balance. This can be confusing.

• If you have a prepaid balance: Some countries allow you to add money to your account before you run ads. If you added, say, $50, and only spent $20, you’d have a $30 balance.
• If you have a postpaid balance: This is more common. It shows you what you owe. If it says “$20,” it means you have run $20 worth of ads that you haven’t been charged for yet.

Can I withdraw my prepaid ad balance?

This is the one situation where you might “withdraw” money from your ad account. If you’ve added prepaid funds and want them back, you can’t just click a “withdraw” button.

You will need to:

1. Stop all your active ads.
2. Go to your Meta Ads Manager payment settings (on a computer, not the app).
3. Find your account and look for an option to “request a refund” or “close ad account.”
4. If you can’t find it, you must contact Meta’s ad support directly.

Honestly, it’s a hassle. It’s much easier to just use the remaining balance by running ads.

Set an Instagram Ad Spending Limit

A smart way to control your costs is to set an Instagram ad spending limit. This tells Instagram, “Do NOT let me spend more than this amount.” This isn’t a withdrawal, but it’s great for managing your money.

You can set this limit inside your Meta Ads Manager payment settings. This prevents any surprise bills and keeps your ad spending in check.

Part 2: The REAL Answer: How to Get Paid by Instagram (Your “Withdrawal”)

Okay, this is the exciting part. This is the “how-to” for getting your hard-earned money from Instagram into your bank account.

This entire process boils down to one thing: you must set up payout account on Instagram.

First: Are You Eligible for Instagram Monetization?

Before you can get paid, Instagram has to approve you. You can’t just sign up and start earning.

To be eligible for Instagram monetization, you generally need to:

• Have a Professional Account (Creator or Business).
• Live in an eligible country.
• Follow Instagram’s Partner Monetization Policies (this just means you have to be a good, authentic creator and not post harmful stuff).
• Have a certain number of followers (this varies, but for Subscriptions, it’s often 10,000).
• Have enough engagement (your fans must be active).

You can check your status by going to your Professional Dashboard and tapping on “Monetization.” It will show you which programs (like Gifts or Subscriptions) you are eligible for.

The Key: Setting Up Your Payout Account

Once you’re eligible for a monetization feature (like Gifts), Instagram will prompt you to set up your payout account. This is the missing link. You must do this to get paid from Instagram.

A payout account is simply the information Instagram needs to send you money legally and correctly.

Step-by-Step: How to Set Up Payout Account on Instagram

When you’re eligible, you’ll see a “Set Up” button in your monetization tools. Here is what it will ask you for. Get this information ready!

1. Enter Your Legal Info: This is all about you.
   • Legal Name: Your full, real name (not your Instagram handle).
   • Address: Your real home address.
   • Business Type: For most creators, you will select “Individual” or “Sole Proprietor.”
2. Enter Your Tax Info: This is non-negotiable. Meta has to report your earnings to the government.
   • You will be asked for your Taxpayer Identification Number (TIN).
   • In the United States, this is your Social Security Number (SSN) or an EIN if you have a business.
   • You will fill out a digital form, like a W-9 (for U.S. creators) or a W-8BEN (for non-U.S. creators).
   • Don’t skip this! If you don’t provide tax info, Meta may be required to withhold a large portion of your earnings or may not pay you at all.
3. Link Your Payout Method: This is how the money physically gets to you. You usually have two choices.

This is the most important step to link bank account to Instagram for payout.

Choosing Your Payout Method: Bank vs. PayPal

You need to decide how you want to receive your Instagram creator payouts. You’ll be given two main options.

Here is a simple table to help you decide on your Instagram payout methods:

Feature	Bank Account (Direct Deposit)	PayPal
How it Works	Money is sent directly to your checking account.	Money is sent to your PayPal account.
Speed	Takes about 3-5 business days after Instagram sends it.	Usually shows up in your PayPal account within 1 day after Instagram sends it.
Fees	Usually FREE. Your bank shouldn’t charge you to receive money.	May have fees. PayPal might charge you a small fee to receive the money.
Who is it for?	The simplest, most direct option. Recommended for most people.	Good if you already use PayPal for all your business and don’t mind the small fee.

For most creators, we recommend using a Bank Account (Direct Deposit). It’s clean, simple, and you don’t lose any of your hard-earned money to extra fees.

The Big Question: When Does Instagram Pay Creators?

This is a key piece of the puzzle. You don’t just get paid every day.

Instagram pays on a monthly cycle.

Here’s how it works: You earn money all through one month (e.g., all of March). Then, Instagram processes that payment and sends it to you the next month (e.g., around April 21st).

So, you’re always paid for the previous month’s earnings.

The $100 Rule: Your Payout Threshold

There’s one more catch: the payout threshold Instagram sets.

Instagram will only send you a payment once your total earnings reach $100.

• Example:
  • In January, you earn $30 from Gifts.
  • In February, you earn $50 from Gifts.
  • In March, you earn $40 from Gifts.

Your total earnings are now $30 + $50 + $40 = $120.

Since you passed the $100 payout threshold Instagram in March, Instagram will process your $120 payment and send it to you in April.

If you only make $10 a month, it will take you 10 months to reach the $100 threshold and get your first payment. Don’t worry—the money doesn’t disappear. It just sits in your payout account until you hit $100. This is how receive money from Instagram bonuses and other features works.

Common Problems and Troubleshooting Your Payouts

What if you’re not getting paid? Let’s troubleshoot Instagram payouts.

“Why Haven’t I Been Paid?”

If you’re wondering when does Instagram pay creators and your date has passed, check these things first:

1. Did you hit the $100 threshold? This is the #1 reason for not being paid. Go to Professional Dashboard > Payouts to see your current earnings.
2. Is your payout info correct? Did you type your bank account number wrong? Is your tax info incomplete? The system will put a “hold” on your money.
3. Is your account under review? If you suddenly get a lot of earnings or violate a policy, Instagram might pause your payouts to review your account.

How to Update Payout Info on Instagram

If you made a mistake or need to change your bank, it’s easy.

1. Go to your Professional Dashboard.
2. Tap on “Payouts”.
3. Tap on “Settings” (it might be a small gear icon).
4. You should see your payout method listed. Tap on it and look for an “Update” button.
5. You may need to re-enter your password to confirm it’s you.

Important: If you want to update payout info Instagram makes you do it before the end of the month. If you change your bank on the 15th, your next payment will go to the new bank. If you change it on the 25th (after payments are processed), it might be too late, and you’ll have to wait.

Conclusion: You’ve Got This!

So, let’s circle back to our original question: “how to withdraw money from Instagram ads?”

As you now know, that’s the wrong question!

• You pay for ads to grow your brand.
• You get paid from Instagram for your content through Instagram monetization.

The “withdrawal” you were looking for is actually the Instagram creator payouts system.

The key is to be an amazing creator, get approved for monetization features like Gifts and Subscriptions, and then set up payout account on Instagram with your correct tax and bank info.

Once you do that, you’re all set. You just focus on creating, and as long as you hit your $100 payout threshold Instagram, that money will automatically show up in your bank account every month. No “withdrawal” button needed.

You’re no longer confused. You’re informed. Now go get paid!

Frequently Asked Questions (FAQs)

H3: 1. What is the minimum amount to get paid from Instagram?

The minimum payout threshold Instagram sets is $100. You must earn at least $100 from features like Gifts, Bonuses, or Subscriptions before Instagram will send you a payment.

H3: 2. How do I check my Instagram earnings?

You can check your earnings by going to your Professional Dashboard and tapping on “Payouts.” This will show you your “Estimated Earnings” and when your next payout is scheduled, if you’ve met the threshold.

H3: 3. How do I link my bank account to Instagram for payout?

You link bank account to Instagram for payout during the one-time setup process. When you’re eligible for a monetization feature (like Gifts), Instagram will walk you through the steps. You’ll go to Professional Dashboard > Monetization, select the feature, and follow the prompts to add your legal info, tax info, and bank account (or PayPal) details.

H3: 4. Can I get a refund for my Instagram ad spend?

Generally, no. You pay for the “impressions” or “clicks” you receive. You can’t get a refund just because an ad didn’t lead to sales. The only exception is if you added prepaid funds to your Instagram ad account balance and want to close your account. In that case, you must contact Meta ad support.

H3: 5. What is the difference between “Instagram Ad Billing” and “Instagram Payouts”?

Instagram Ad Billing is where you pay Instagram for the ads you run. This is money you spend. Instagram Payouts (part of Instagram monetization) is how Instagram pays you for your content. This is money you earn. They are two completely separate systems.

H3: 6. Why does Instagram need my tax info (SSN/TIN)?

Instagram (Meta) is required by law to report the earnings of its creators to the government (like the IRS in the U.S.). They use your tax info to issue you a tax form (like a 1099) at the end of the year. If you don’t provide it, they cannot pay you, or they may have to withhold a high percentage of your earnings for taxes.

H3: 7. What happens if I don’t reach the $100 payout threshold?

Your money is safe! It doesn’t disappear. It will just sit in your payout account. If you earn $30 one month and $40 the next, your balance will be $70. It will keep adding up until you finally cross the $100 mark. Once you do, you’ll be scheduled for a payment the following month.

H3: 8. How long do Instagram payouts take?

Once a payment is sent (which happens around the 21st of the month), it depends on your Instagram payout methods. A PayPal transfer is very fast (usually within 24 hours). A Bank Account (direct deposit) is a bit slower, typically taking 3 to 5 business days for the money to appear in your account.

H3: 9. Can I get paid from Instagram without a bank account?

Yes, you can choose PayPal as your payout method. This is a good option if you don’t want to link your bank account directly. The money will be sent to your PayPal account, and you can manage it from there.

H3: 10. How do I find my Instagram ad charges?

You can check Instagram ad charges easily. Go to your Professional Dashboard > Ad Tools > Payment Settings. This will show you a history of all your recent charges for the ads you’ve been running.