How to Change Payout Method on TikTok

Ready to switch up how you get paid on TikTok? You're in the right place. Changing your payout method, whether you're moving to a new bank account or swapping PayPal for direct deposit, is a simple process once you know where to look. This guide provides clear, step-by-step instructions for updating your payment information across TikTok's monetization features, so you can manage your earnings with confidence.

Why You Might Need to Change Your TikTok Payout Method

There are plenty of reasons why you might need to update your payment information. Understanding the "why" can help put you on the right path, as the reason often dictates what new information you’ll need to have ready.

Common scenarios for creators include:

• Opening a new bank account: You may have switched banks for better rates, opened a dedicated business account for your creator income, or simply closed an old account.
• Switching from PayPal to a bank account (or vice versa): Some creators prefer the speed of direct bank transfers, while others appreciate the flexibility of PayPal. Fee structures or personal preference often drive this change.
• PayPal account issues: Your PayPal account might have been limited, or you may have lost access to the email associated with it, making it necessary to link a new one or switch to a bank.
• Better currency conversion or lower fees: If you’re an international creator, you might switch payout methods to find one that offers more favorable exchange rates or lower transaction fees, helping you keep more of your hard-earned money.
• Consolidating your finances: As your creator business grows, you may want to streamline all your income streams into one primary account for easier bookkeeping and financial management.

Regardless of your reason, the process is usually quick. The most important part is knowing which monetization feature your earnings are coming from, as the steps can vary slightly.

First, Know Where Your Money Is Coming From

TikTok isn't just one single pot of money. Depending on how you monetize your content, your earnings are funneled through different programs within the app, each with its own dashboard and settings. The two most common and distinct sources are the Creativity Program Beta and TikTok Shop.

1. Creativity Program Beta (Formerly Creator Fund)

This is the program that pays eligible creators for views on their videos. If you see a balance based on your content performance (RPM, qualified views, etc.), that money is coming through the Creativity Program. The payout process for this is managed directly through your Creator Tools and offers options like PayPal and bank transfer.

2. TikTok Shop for Creators (Affiliate Program)

When you earn a commission by promoting products in your videos or livestreams, that income comes from the TikTok Shop for Creators program. This system is handled through a separate "Shop" portal within the app. Your commission earnings have their own payout settings, distinct from the Creativity Program. You might have one payout method for your video views and a completely different one for a T-shirt you sold through your content.

Knowing which earnings you're trying to manage is the first step. Are you updating the payout destination for your video views, your affiliate commissions, or both? Let’s break down the steps for each.

Step-by-Step Guide: How to Change Payout Method for the TikTok Creativity Program

This is where most creators manage their primary income from video views. Follow these steps carefully to update your PayPal or bank account information. Here’s how to do it inside the app.

1. Go to Your Profile

Open the TikTok app and navigate to your main profile page by tapping the profile icon in the bottom-right corner of the screen.

2. Open Settings and Privacy

Tap the three horizontal lines (the "hamburger" menu) at the top right of your profile page. This will open up a pop-up menu at the bottom of your screen.

A quick tip: If you have multiple accounts logged in, make sure you are in the correct one before proceeding!

3. Select "Balance"

In the menu, find and tap on the option labeled "Balance". This section consolidates information about your Gift Balance and other rewards. You will see income from various sources like LIVE Gifts, from here, select the correct earnings balance to access the withdrawal screen.

4. Go to View Payouts or Withdraw

Inside the Balance section, you'll see your current withdrawable funds from different features. Tap on your earnings from the Creativity Program or Gifts. From there, you will enter the withdrawal screen. This screen will show your current total, your withdrawal history, and, most importantly, your current payout method.

5. Manage Your Payout Method

This is where you make the change. Near your current payment account (whether it’s a bank account or PayPal), you should see a small arrow or text that lets you edit or switch the method.

• Tap on your existing payout method listing. You'll typically be taken to a "Payout methods" screen.
• Here you will see your linked methods. You can either remove an old one or tap "Add a new withdrawal method".

6. Add Your New Payout Information

Now, choose whether you want to add a Bank Transfer or PayPal account.

• For a Bank Account: You will need to carefully enter your full legal name, account number, and bank routing number. Double-check this information for accuracy, as a single typo can cause transfers to fail or be delayed. TikTok often uses a third-party processor like Tipalti for bank transfers, so you might be redirected to their secure portal to enter these details.
• For PayPal: You will be prompted to log in to your PayPal account to authorize the connection with TikTok. Make sure you use the correct PayPal credentials.

7. Complete Verification

For security, TikTok will almost always require you to verify your identity before adding a new payout method. This usually involves:

• Entering a verification code sent to your registered phone number or email.
• Entering your TikTok password.

Once verified, your new payout method will be added. Make sure you select the new method as your default for future withdrawals. The system should remember your last used method, but it never hurts to double-check when you go to cash out.

Step-by-Step Guide: How to Change Payout Method for TikTok Shop

Earnings from affiliate promotions through TikTok Shop are handled in a different financial ecosystem within the app. The steps to change your payout method here are separate from the Creativity Program.

1. Navigate to the TikTok Shop for Creators Hub

From your profile, tap the "hamburger menu" (three lines) again and select "Creator Tools". Scroll down until you find the TikTok Shop section and tap on "TikTok Shop for Creators".

2. Find Your Earnings & Commissions

Inside the Shop dashboard, look for the "Earnings" tab or a similar section related to your commissions. Here, you'll see your balance, recent sales, and payout history for affiliated products.

3. Access Your Payout Settings

On the Earnings screen, tap the "Withdraw" button. This won't force you to withdraw right away, but it's the gateway to your payment settings. In the top corner or next to a line that mentions your "Linked Account," you should see a small pencil icon or an "Edit" option. Click it.

4. Replace or Add a Bank Account

Unlike the Creativity Program, TikTok Shop often relies solely on direct bank transfers for your commission payouts. You'll likely see your currently linked bank account here.

• You'll probably need to remove the existing account first before you can add a new one. This is a common security feature.
• Once you tap to add a new account, you’ll be asked to provide your routing number, account number, and the name on the account.
• Triple-check every digit. A mistake here could send your payout into limbo.

5. Complete a Security Verification

Just like with the Creativity Program, expect to complete a security check to confirm the change. This might involve an SMS code, email code, or entering your TikTok password. After passing verification, your new bank account will be linked and ready for future commission withdrawals.

What If Things Don't Go as Planned? Common Issues & Fixes

Sometimes, things get stuck. Here are a few common hiccups and how to troubleshoot them.

"My withdrawal is pending, and I can't change my method."

If you have an active withdrawal in process, TikTok usually locks your ability to change payout methods until the current transaction is complete. You need to wait for the money to land in your old account before you can link a new one.

"My bank information was rejected."

This is almost always due to a typo. Re-enter your routing and account numbers slowly and carefully. Also, make sure the name on your TikTok payout profile exactly matches the name on your bank account to avoid mismatch errors.

"I’m not receiving a verification code."

First, check your spam/junk folders for emails and make sure your phone has a strong cellular signal for SMS texts. If it still doesn't arrive after a few minutes, use the "Resend code" option. If problems persist, it may be an issue with your registered contact information in your general TikTok settings.

"I can't see the option to change anything."

Screens can change with app updates. Look around slowly for terms like "Manage," "Edit," the small universal "pencil" icon, or a settings gear. If you are certain the option isn't there, it might be an app glitch. Try closing and reopening the app, making sure it’s updated to the latest version. For persistent issues, contacting TikTok's in-app support is your best final step.

Final Thoughts

Updating your TikTok payout method is quite direct once you know which dashboard to use - the Creator Tools for your video views or the TikTok Shop for your affiliate commissions. Following the steps for each and double-checking your details will make sure your hard-earned money gets to the right place without any unnecessary delays.

Getting your earnings sorted is a key piece of the creator puzzle, but consistent growth comes from an efficient content strategy. At Postbase, we built our social media management tool to remove the friction of juggling multiple platforms. We help you plan your content on a visual calendar, schedule your TikToks and Reels reliably, and manage all your community engagement in a single inbox, so that you can dedicate more of your time to creating and less to chaotic workflows.