We understand that you might have questions about wire transfer payments. Below are answers to some of our most frequently asked questions.
What happens when you contact us:
- We review your payment history and confirm whether your payment was issued successfully.
- If your payment was cancelled, we contact your bank to find out why, then let you know how to fix the issue and receive your payment.
- If it wasn't cancelled, we put you in touch with our finance team who help you track your payment with a SWIFT copy/UTR. Your bank can use the SWIFT copy/UTR to find your payment as it contains information such as the time and date when the bank received your payment.
To contact us, follow the steps in this troubleshooter.
Frequently asked questions about wire transfer
Topics:
- My payment failed
- Adding bank account information for wire transfers
- Receiving payments via wire transfer
- Fees, exchange rate and currency
My payment failed
The most common reasons why payments fail include:
- The bank details in your payee profile don't match exactly the details of your bank account
- Your bank account number is invalid
- You didn't provide a SWIFT code
- You didn't provide any intermediary bank details
We'll also provide you with a SWIFT copy/UTR to help your bank locate your payment. The SWIFT copy/UTR contains information such as the time and date when the bank received your payment. When you have the SWIFT copy/UTR, ask your bank to use it to find your payment.
Please ask your bank to cancel the payment. Google will recall the funds and reissue the payment. Note that this process will take around 15 business days.
If you've received a SWIFT copy like the example shown above, it means that your payment went through to your bank but your bank has not yet applied it to your account. Please contact your bank for more information. It's now solely your bank’s responsibility to locate your payment. We cannot provide you with any more information beyond this "proof of payment".
Adding bank account information for wire transfers
You can choose the bank you prefer to receive your AdSense payments, provided you have an account at that institution.
We recommend that you talk with your bank and get details about the fees charged for this transaction, and the information needed to receive your payment. Note that after sending the wire transfer, it cannot be diverted to another bank.
Which bank should I use to receive wire transfers?Only your bank can confirm that your account is able to receive AdSense payments via international wire transfer. We recommend that you consult your bank and verify that your account accepts this type of transaction. Your bank can also inform you of any fees that you might be charged to receive wire transfers.
Can my bank account receive international wire transfers?Yes you can. Please make sure the payee details you enter in your payee profile in your AdSense account match exactly the beneficiary bank details of the account holder, otherwise your payment will fail. If your payment fails it can take up to 2-3 weeks before your payment will be reissued.
Can I set up somebody else’s bank account to receive my payment?To receive your payment, you'll need the following information (all required):
- Bank account number
- Name of account holder
- SWIFT code
- Bank name
- Indian Financial System Code (IFSC) (India only)
- Bank identification code (BIK) (Russia only)
The information below is optional, and you should only provide it if required by your bank:
- SWIFT code of the intermediary bank
- Name of intermediary bank
- Any “For Further Credit” or “For Benefit Of” instructions your bank requires
A SWIFT copy is an electronic copy of the proof of payment document sent to your bank. The SWIFT copy acts as a confirmation of payment from Google to your bank.
To provide the correct information, you must add a new bank account (by visiting your Payments page, or by clicking on the red alert in your account that says “Your payments are currently on hold”), and then remove the existing bank account.
To protect the privacy and security of your banking information, AdSense Support does not have access to edit or remove the information that you've entered.
It’s essential that your bank account information is entered correctly as payouts will be issued to the bank account on file. Should you notice that the information entered is incorrect, please review your payment details and add a new bank account as soon as possible.
Note that a payout cannot be re-issued if the funds reach a valid bank account. If the bank rejects the payout, the funds will be returned to your account.
If a payout is issued and your bank account information is entered incorrectly, please contact your bank immediately.
Please enter Latin characters when you enter your bank account details. If you try to enter localized characters, you’ll see an error in your account.
Should I enter localized characters or Latin characters for my bank account details?Receiving payments via wire transfer
You might not have received your payment because:
- Your payment has been delayed.
The length of time it takes for your wire transfer to arrive in your bank account may vary depending on your country and banking institution. If your payment hasn't arrived after 15 business days, you should contact your bank. - Your payment has failed due to one of the following reasons:
- The bank details in your payee profile don't match exactly the details of your bank account
- Your bank account number is invalid
- You didn't provide a SWIFT code
- You didn't provide any intermediary bank details.
We'll confirm whether your payment was issued successfully or declined. If your payment was declined, we'll investigate with the bank and let you know the reason why and how to fix the issue. If your payment was issued successfully, we'll put you in touch with our finance team who will provide you with a SWIFT copy/UTR to track your payment. Your bank can use the SWIFT copy/UTR to find your payment as it contains information such as the time and date when the bank received your payment. When you have the SWIFT copy/UTR, ask your bank to use it to find your payment.
Fees, exchange rate, and currency
Google does not charge you a fee to receive your funds, but you may be charged fees by your bank. Contact your bank to inquire about exchange rates and other fees that will apply to your payments.
If you want to adjust your payment schedule to minimize fees charged by your bank, you can temporarily hold your payments. Learn how to hold your payments.
What are the fees I have to pay to receive wire transfers?For more information about what you get paid, see these articles about the AdSense revenue share and the the difference between estimated and finalized earnings.
Banks in some countries are able to receive funds in either USD or Euros (depending on the country) and then exchange the funds into your local currency. If your bank offers the ability to open accounts in USD or Euros, this option is preferred. Please check with your bank to confirm what option will work best for you.
Note that payouts for accounts in Russia can only be paid to bank accounts denominated in USD.
