How to Transfer Amazon Pay Balance to a Bank Account in 2023

Written By Adrian Volenik

Amazon Pay is basically a checkout button that you add to your website and is very similar to the checkout buttons of PayPal, Apple Pay, and Google Pay. 

If you’ve successfully integrated this handy payment method into your website, you’ll want to withdraw funds from Amazon Pay to your bank account. Here’s the short answer:

To transfer money to your bank account, or to get paid, requires you to link a bank account and Amazon Pay account. After that, disbursements are automatic. Alternatively, you can transfer the money manually from your Payments account. 

Keep on reading to find out what the requirements to withdraw your Amazon Pay balance are and other useful information.

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Can You Get a Bank Account Added And Verified in a Day?

You can add a bank account to your Amazon Payments account as soon as you register for an account. If not then, you can do it anytime. And you have to do it in order to get paid or to withdraw money.

To accept payments from Amazon Pay, you need to have a bank account based in the same country as your Amazon Pay account.

So, for instance, if you opened an Amazon Pay account in the US, you’ll need to associate a US-based bank account

And if you opened an account in the UK, only a UK (GBP) bank account is tolerated.

Ideally, you’d set up your bank account details after you first register to Amazon Pay. To set up a bank account:

  1. Log into your account on Seller Central
  2. Click on “Settings”
  3. Click on “Account Info”
  4. Click on “ Deposit Method”
  5. Click on “Add” 
  6. Select “Use a New Bank Account”
  7. Enter your bank account information, including your bank name and routing number
  8. Click on “Submit”

When you first set up your bank account, or edit an existing one, you won’t be able to get paid for three days. It’s a compulsory 3-day security term before any modifications to a bank account take effect. 

READ ALSO: Is Digital Banking The Same As Online Banking? (Explained)

Amazon Pay Getting Paid Requirements

In order to transfer money to your bank account, there are some qualifications that you have to meet:

  • Have a bank account set up in Seller Central (you need to specify your deposit method)
  • Have a valid credit card or a bank account set up as a charging method in Seller Central
  • Sell your products utilizing the Amazon Pay buttons, and dispatch them properly
  • Capture payments for your orders in order to collect payments from shoppers

In general, Amazon Pay first disburses (settles, pays) your account 14 days after the related transactions were completed. 

Again, you have to be aware that if you just set up your bank account or edited it, your payments to the said bank account will be paused for 3 days for security.

How Often Are Amazon Pay Funds Deposited? 

how often are amazon pay funds deposited

You’ll be happy to know that you can receive deposits on a daily basis. However, sometimes, Amazon Pay will keep a minimum balance to ensure that your payment duties are met at all times. 

Such duties may occur after delivery and can include chargebacks, refunds, A-to-Z Guarantee claims, etc. Amazon calls these minimum balances a reserve.

Other Methods of Amazon Pay Withdrawals

Not only can you transfer funds via ACH (Automated Clearing House) to your bank account but you can also request a physical check if you don’t have an ACH-enabled account or don’t want to add this method. 

Be aware that checks have a processing fee and an identity verification process.

How to Add Funds to Amazon Payments

Sometimes, you’d want to add funds to your Amazon Pay account, and not solely withdraw them. In that case, you’ll need to fill out and submit a Direct Debit Form. 

After you add a bank account or credit card, you’ll need to verify it before any money can be moved between Amazon Payments and the bank account. For more information, see above and how to add a bank account. The process is the same as above.

Can You Convert Your Personal Account to Business Account?

You can easily upgrade your personal Amazon account to an individual business account. To do this:

  • Go to the Business area of the Amazon Payments website
  • Sign-up for a Business account with your current Personal account email and password 
  • Follow the prompts to convert your personal account into a business account

How to Edit Card Information

If for some reason you want to review details of the associated credit card, in Seller Central, go to the “Account Info” page under “Settings”.

To edit the credit card information:

  1. Open Seller Central
  2. Click “Settings”
  3. Click “Account Info”
  4. Click the ”Edit” button 
  5. Choose an “Existing Credit Card”, or pick “Enter a new Credit Card and Billing Address”
  6. Enter the information 
  7. Click “Submit”

What is Amazon Pay?

Amazon Pay is a multi-currency payment method that lets customers shop effortlessly. For people buying from your website, the payment automatically converts into the customers’ base currency, expending it into your bank account. 

The buyers get charged the amount they see, no more, no less; decreasing the number of refunds and/or chargebacks. 

For the EU sellers, multi-currency Amazon Pay negates the need to set up multiple foreign legal entities and/or bank accounts or even to manually handle multiple currencies. Without this one-stop-shop method, you’d have a big headache.

With Amazon Pay, there’s only one Amazon Pay account and one EU bank account for the whole SEPA region.

Is Amazon Pay Available Worldwide?

is amazon pay available worldwide

One of the most often asked questions about Amazon Pay is if the service is available only in the United States, or if it is available worldwide. 

The great thing about Amazon is that customer log-in info and their identity are always following them, no matter where they’re based or located.

Amazon Pay is therefore available in considerable parts of the world. This includes, naturally, the US, the UK, and many countries in Europe. Here’s the complete list:

  • Austria, 
  • Belgium, 
  • Cyprus, 
  • Denmark, 
  • France, 
  • Germany, 
  • Hungary, 
  • Ireland, 
  • Italy, 
  • Japan, 
  • Luxembourg,
  • Netherlands, 
  • Portugal, 
  • Spain, 
  • Sweden
  • Switzerland
  • United States, 
  • United Kingdom 

How to Manually Withdraw Money From Amazon Payments

If you didn’t set up automatic payments or paper checks, you can still withdraw money from your Amazon Payments account by initiating a transfer to your bank account manually. 

What Kinds of Transactions Does Amazon Pay Support?

Amazon Pay only supports the following types of payments:

  • One-time payments
  • Pre-orders
  • Automatic, recurring, and subscription payments
  • Micropayments
  • Transactions for digital goods

Amazon Pay doesn’t support the following transactions:

  • Crowdfunding 
  • Adult products
  • Donations and Charitable Solicitations 
  • Financial Intermediaries and Money Service Businesses
  • Illegal, Inappropriate, or Offensive Items or Activities
  • Money Making (“Get Rich”) Businesses
  • And many other product categories


In conclusion, withdrawing or transferring money from your Amazon Pay balance to your bank account is easy and seamless. Once you connect a bank account to your Amazon Pay account, the transfers are automatic and can even be daily. 

About the Author

Chief Editor at TopMobileBanks

Adrian is a fintech expert who has tested hundreds of financial apps, cards, and accounts. His love for testing digital banks, payment apps, and financial products, in general, is unmatched.

How many digital banking accounts can one man have?

Not enough, if you ask Adrian. As his wallet will soon explode if he doesn’t cut back on the number of cards.

On the plus side, they have enabled him to create awesome How-To Guides that you can read on our site.

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