Setting up your bank account and receiving transfers
In order to receive the funds from your charges, you’ll need to associate a bank account to your Stripe account and start receiving transfers. You can update your bank account information at any time, and you can also customize how frequently transfers are made.
Setting Up & Modifying Your Bank Account
Setting Up Your Bank Account for Transfers
Associating Multiple Bank Accounts for Different Currencies
Bank Accounts with Multiple Signors
Viewing Your Bank Account Information in Dashboard
Updating Your Bank Account Information
To receive transfers from Stripe, you’ll need to provide us with bank account details so that we know where to send your funds. The type of information required for a successful transfer depends on where your bank is based.
Format varies by bank
Account Owner Name
|United States||Routing Number
Format varies by bank
Countries in Beta
|Hong Kong||Clearing Code
Countries in Private Beta
Required Bank Locations
Bank accounts must be located in the country where their currency is based–for example, USD banks accounts must be based in the United States, SEK bank accounts must be based in Sweden, etc.–though there are a few exceptions.
Canadian businesses can transfer funds to USD bank accounts that are based in Canada.
EUR bank accounts can only be based in one of the European countries where Stripe is currently live or in beta.
GBP bank accounts can also be based in Ireland if the bank supports transfers via BACS.
Non-profits and similar organizations will often have bank accounts where multiple people must sign for access. The increased security that banks offer with multiple signors is used to protect changes to the account itself, but does not apply to regular ACH transactions into and out of it. As long as your bank account is setup to receive ACH payments, we will be able to transfer funds to it.
Stripe users in some countries are able to connect multiple bank accounts in order to make transfers in multiple currencies and avoid conversion fees. In these cases, you can connect one bank account for each supported currency.
Take a look at our full list of supported bank account currencies to see what is supported in your country.
Default Bank Account Currency
If you have multiple bank accounts, you’ll also need to assign one of your bank accounts as your default. If you receive any charges that are in a currency that you do not have a bank account for, they will be converted to your default bank account’s currency.
You can log in to your Stripe dashboard to view the routing or transit number of your bank, as well as a redacted version of your bank account number.
For security reasons we don’t show the full, unredacted number in the dashboard, and similarly we aren’t able to tell you over email what your account number is.
If you’re unsure of the account number you entered, the best way to be confirm it is to re-enter the number in your account settings in your dashboard.
If you need to update your bank account information, you just need to head to the transfers tab in your account settings. From there, you’ll have the opportunity to change your bank account at any time.
We’ll start submitting transfers to your new bank account as soon as you update your account settings. Due to the time that it takes for your bank to receive the funds, some transfers may have already been submitted but not yet reached your account. Those transfers will still be sent to the old account.
Here’s a quick demo of how to view and update your bank account information:
Once you’ve made your first charges with Stripe, your first transfer will be initiated and should post within 7 days. Note: this is 7 days after your first charge and not 7 days after you create your account.
The exact timing of your first transfer can vary depending on many factors. If you have not received your funds by 7 days after your first charges, you should verify that the transfer hasn’t failed for some reason and that your bank account information has been entered correctly.
All charges are processed on UTC Time so the processed date may not be the same as the date on which a charge is made in your local timezone. Most banks will post received funds on the same day as they are received. On occasion, banks may take 2-3 additional days to post funds. Also, keep in mind that transfers that are scheduled on weekends or holidays won’t be accepted by your bank until the next business day.
You can view a list of all of your transfers as well as the date that they are expected to be received in your bank account from your dashboard.
For most Stripe users, there are no minimum volume thresholds that you’ll need to meet before a transfer is initiated. However there are a few exceptions.
EUR bank accounts have a minimum transfer of 1.00 EUR.
GBP bank accounts have a minimum transfer of £1.00.
CHF bank accounts have a minimum transfer of 25.00 CHF.
NOK, DKK, and SEK bank accounts have a minimum transfer of 20.00kr.
MXN bank accounts have a minimum transfer of 10.00 MXN.
By default your account will be set to automatically transfer your account balance on a regular schedule. That default schedule depends on your country.
|2 Day Rolling||Transfers are made daily and are composed of the payments that were processed two business days prior.*
Example: August 1st charges are deposited by August 3rd, and August 2nd charges are deposited by August 4th (assuming no holidays or weekends).
|Australia, United States
Some users in higher-risk industries will be required to use a 7 day rolling transfer schedule.**
|7 Day Rolling||Transfers are made daily and are composed of the charges that were processed seven days prior.*
Example: August 1st charges are deposited by August 8th, and August 2nd charges are deposited by August 9th.
|Austria, Belgium, Canada, Denmark, Hong Kong, Finland, France, Germany, Italy, Ireland, Luxembourg, Mexico, Netherlands, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, United Kingdom
Some users in Australia and the United States in higher-risk industries.**
|Japanese Weekly||Transfers are made weekly on your preferred day of the week and are composed of the charges that were processed between 11 days and 4 days prior*
Example: If transfers are scheduled on Wednesdays, charges from Sunday of the previous week until Saturday of the previous week are deposited every Wednesday.
* All charges are processed on UTC Time which may be significantly different from your local timezone. Most banks will post received funds on the same day as they are received, their time. On occasion, banks may take 2-3 additional days to post funds, though this will typically only be in the case of weekends or bank holidays. If a transfer does not arrive on the correct date, and that date is not a weekend or bank holiday, it has likely failed, and the bank will notify us of this after 5 days, and return the funds. (See Transfer Failures, below.)
** For users in some higher-risk industries in Australia and the United States, we require a short period to monitor your business activity before enabling the standard 2 Day Rolling schedule in the United States. This delay is necessary to protect users, cardholders, and Stripe from fraudulent activity. This in no way indicates that we think your account is fraudulent—we strive to offer services to a huge variety of businesses and a few bad actors can require that we take a more cautious stance for some of our users.
If your bank account is not able to receive a transfer, your bank will return the funds to us. Banks can take up to 5 business days to inform Stripe about transfers that did not go through, at which time we will notify you via email and in your dashboard about the issue.
To ensure that your bank account is correct, we’ll prompt you to input your bank account information again. Once you’ve confirmed your banking details, Stripe will automatically re-try any failed transfers using the new information. You won’t need to take any further action.
If you are certain that your banking details are valid, and your transfer fails anyway, you have the option to resume transfers manually via the “Resume Transfers” button that will be visible in your dashboard.
For a full list of the possible transfer failure states check out our documentation.
If you would like to transfer funds to your bank account on a weekly or monthly basis–rather than Stripe’s automatic transfers schedule–you may change your transfer payout schedule in your account settings. You’ll find the “Change schedule” option within the Transfers area of your account settings. This is also where you can confirm which transfer schedule has been selected for your account (either a rolling basis, weekly or monthly).
For weekly transfer schedules, the administrator may specify the day of the week on which transfers arrive in the bank account.
For monthly schedules, the administrator may specify the day of the month on which transfers arrive in the bank account. However, if you choose your transfers to be made on the 31st of the month, your transfers will be sent on the last day of the shorter months.