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Completing a challenge deposit or debit authorisation

 

In order to use your bank account as a payment method (also known as direct debit), you'll need to verify your bank account before your ads can start showing. You can instantly verify your bank account with your account’s user ID and password, or you can verify through a challenge deposit or debit authorisation, which takes two to three days, depending on where your business is located.

If you'd like to see the process for a different country, then click the drop-down menu above.

Verify instantly with your bank ID

In the U.S., you have the option to instantly verify your bank account, which is faster and doesn’t require a challenge deposit. Follow these steps to add a bank account and verify instantly with your bank:

  1. Sign in to your AdWords account.
  2. Click the gear icon and choose Billing & payments.
  3. Click the Payment methods link on the side, then click Add new payment method.
  4. Select Bank account and fill in your bank details.
  5. To make this your primary payment method, select Primary from the lower left corner.
  6. Click Save.
  7. When prompted to choose how you want to verify your account, select Verify instantly and then click Next.
  8. Enter the user ID and password you use to sign into your bank’s website, and agree to the terms and conditions provided.
  9. Click Next.

After a few moments, Google will link your bank account to your AdWords account and verify that it is a valid payment method. If the verification fails, then you’ll be prompted to enter your user ID and password again. If verification continues to fail, you can opt to verify by challenge deposit.

Find and enter a challenge deposit

If you choose to verify your bank account by challenge deposit, then you will see a small deposit appear in your bank account about three to five working days after you add your bank account information to your AdWords account. Follow the steps below to find and enter this deposit information in your AdWords account.

  1. Review your bank records and search for a deposit from Google Inc. The deposit should be between £0.15 and £1.15
  2. When you find the deposit, note the exact amount of the deposit.
  3. Sign in to your AdWords account.
  4. Click the gear icon and choose Billing & payments.
  5. Click the Payment methods link on the side of the page.
  6. Find your bank account, and click Verify challenge deposit.
  7. Enter the amount of the challenge deposit in the field provided and click Submit.
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After you have entered the correct amount, you can start using your bank account as your primary payment method. If you're on the automatic payments setting, then your ads will start running at this point, if they weren't already.

Failed challenge deposits

Every now and then, our attempt to make a challenge deposit doesn't work. If this happens, you'll receive an email and see a notice on your Billing & payments pages, under the gear icon .

More on failed challenge deposits

There are several reasons why the challenge deposit might not work, including:

  • Your bank account information was entered incorrectly.
  • Your bank account no longer exists.
  • Your bank account has a restriction against automatic bank account payments.

If your challenge deposit failed, then please check the accuracy of the bank account information that you provided. Here's how you do this:

  1. Sign in to your AdWords account.
  2. Click the gear icon and choose Billing & payments.
  3. Click the Payment methods link on the side of the page.
  4. Find your bank account and check that all details are correct.
  5. Click the link that applies to you: The bank account details are correct
    1. Contact your bank and ensure that there aren't any account restrictions that prevent you from using automatic bank account payments. Your bank might also call these types of payments direct debit payments.
    2. Once you've made sure that your bank account allows automatic payments, contact us and ask us to reissue the challenge deposit.
    The bank account details are incorrect

    You'll need to add your bank account as a new payment method again. Here's how you do this:

    1. While you're still on the Payment methods page, click Add new payment method.
    2. Enter your payment method information and choosing Primary from the lower left corner, to save as the primary payment method. 
    3. Click Save.
    4. Wait to receive the challenge deposit in the bank account that you just added, then verify the deposit.
    5. Later, you can remove the incorrect bank account by clicking the Payment methods link and then Remove to remove it from your account.
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Print and send your debit authorisation

Once you've added your bank account information to your AdWords account, you'll need to print and send your direct debit authorisation by following these steps:

  1. Sign in to your AdWords account at https://adwords.google.co.uk.
  2. Note: If you're a manager account user, sign in to the client account directly.
  3. Click the gear icon and choose Billing & payments.
  4. Click the Payment methods link on the side of the page.
  5. Find your bank account.
  6. Click on Print debit authorisation.
  7. For security reasons, you'll need to re-enter your bank account information.
  8. Sign and date the printed debit authorisation.
  9. Take your signed and dated debit authorisation to your bank to be processed. Processing time depends on your bank. Depending on your bank's procedures, your bank might stamp the debit authorisation, tear off a portion and return it to you. In this case, send the stamped debit authorisation to us per the instructions specified on the document or send us a scanned copy via our direct debit authorisation form. Alternatively, your bank might send the debit authorisation directly to us.
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Processing times

After we've received your debit authorisation, it usually takes five working days to process. We'll send you an email once we've processed it, and your ads will typically start running, if they weren't already.

If we haven't received or couldn't process your debit authorisation within 14 days after you have added a bank account, then we'll let you know by email. In that case, please resend your debit authorisation by following the instructions or via our direct debit authorisation form.

Reasons for us not being able to process your debit authorisation include illegible documents, missing data or incorrect information.

Check the status of your debit authorisation

You can check the status of your debit authorisation at any time. Just follow these steps:

  1. Sign in to your AdWords account at https://adwords.google.co.uk.
  2. Note: If you're a My Client Centre account-user, then sign in to the client account directly.
  3. Click the gear icon and choose Billing & payments.
  4. Click the Payment methods link on the side of the page.
  5. Find your bank account. It will show one of the following notifications:
    • We haven't received or processed your authorisation yet: We either haven't received or haven't processed your debit authorisation. If at least 10 days have passed, then please resend your debit authorisation.
    • Invalid account details: The bank account details that you entered aren't correct. Please contact your bank to confirm these details and re-enter them. Then, create another debit authorisation and send it to us.
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Accept your mandate

Once you've added your bank account deta to your AdWords account, you'll be prompted to accept a mandate within your AdWords account.

Print a copy of your mandate

You can print a copy of your mandate at any time. Just follow these steps:

  1. Sign in to your AdWords account at https://adwords.google.co.uk.
  2. Note: If you're a manager account user, sign in to the client account directly.
  3. Click the gear icon and choose Billing & payments.
  4. Click the Payment methods link on the side of the page.
  5. Find your bank account.
  6. Click View or print.
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Note:

We haven't been able to determine your billing country.

Please click the drop-down menu above to see the direct debit information for your country. You can also use this menu to find out about direct debit information for other countries.

If you can't see your country listed, this means that we don't support direct debit in that country.

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