To withdraw money from TikTok, you need to open the TikTok app, go to your profile settings, navigate to the “Balance” section, and request a payout to your linked bank account or PayPal. Before you can do any of that, though, you need to meet TikTok’s eligibility requirements, verify your identity, and hit the minimum balance threshold. Here’s how the full process works.
Who Can Withdraw Money From TikTok
TikTok doesn’t let every user cash out. To earn and withdraw money through TikTok’s Creator Fund (now part of the broader Creator Rewards Program), you need to meet several requirements:
- Age: You must be at least 18 years old.
- Followers: Your account needs a minimum of 10,000 followers.
- Views: Your videos must have received at least 100,000 genuine views in the last 30 days.
- Good standing: Your account must comply with TikTok’s Community Guidelines and Terms of Service.
If you’re earning through TikTok Shop as a seller rather than as a creator, the payout rules differ slightly, but the withdrawal steps are similar.
Set Up Your Payout Method First
Before you can withdraw anything, you need to link a payout method inside TikTok’s settings. In the U.S., your options are direct bank transfer, PayPal, or Stripe. Other countries typically support direct bank transfer and PayPal, though the exact options vary by region.
To add a payment method, go to your TikTok profile, tap the menu icon, select “Settings and privacy,” then look for “Balance” or “Creator tools.” From there you can enter your bank account details or connect a PayPal account. TikTok will also require you to complete identity verification and submit tax information. U.S.-based creators will need to fill out a W-9 form, which asks for your name, address, and taxpayer identification number (usually your Social Security number). TikTok needs this on file before it can legally pay you.
Minimum Balance to Cash Out
TikTok requires your Creator Fund earnings to reach $100 before you can request a withdrawal. This is the threshold for the Creator Rewards Program. If you’re withdrawing from TikTok Shop seller earnings, the minimum payout threshold is lower, just $2.
You can only withdraw from creator earnings once per month, so it pays to let your balance accumulate rather than checking daily. TikTok Shop payouts may follow a different schedule, often tied to order completion cycles.
How to Request a Withdrawal
Once your balance meets the minimum and your payout method is verified, the actual withdrawal is straightforward:
- Open TikTok and go to your profile.
- Tap the menu icon (three lines) in the top right corner.
- Select “Settings and privacy.”
- Tap “Balance” or navigate through “Creator tools” to find your earnings dashboard.
- Select “Withdraw” and choose your linked payout method.
- Enter the amount you want to withdraw and confirm.
After you confirm, TikTok processes the request. Funds typically take a few business days to arrive in your bank account or PayPal, though exact timing can vary depending on your bank and your country.
Fees on Withdrawals
TikTok does charge small fees when you move money out. If you withdraw to a bank account, the fee is $0.05 per transaction, which is essentially negligible. If you withdraw to PayPal, TikTok charges a 0.9% service fee on the withdrawal amount. On a $100 withdrawal, that’s $0.90. On $500, it’s $4.50.
Bank transfers are clearly the cheaper option if you’re withdrawing larger amounts. PayPal may be more convenient if you don’t want to link a bank account directly, but the percentage fee adds up over time.
What to Do If You Can’t Withdraw
Several things can block a withdrawal. The most common issue is not having completed identity or tax verification. If TikTok’s settings show your payout method as “pending” or “unverified,” you’ll need to resubmit your documents. Double-check that your name on TikTok matches the name on your bank account or PayPal exactly, since mismatches can cause rejections.
If your balance shows earnings but the withdraw button is grayed out, you likely haven’t hit the $100 minimum yet. TikTok calculates creator earnings with a slight delay, so views from the past few days may not be reflected in your current balance.
Account violations can also freeze payouts. If TikTok flags your content for guideline violations, your ability to withdraw may be suspended until the issue is resolved. You can appeal through the app’s support tools if you believe the flag was an error.
Withdrawing TikTok Live Gifts
If you’ve received virtual gifts during TikTok Live sessions, those convert into “diamonds” in your account. Diamonds have a cash value and can be withdrawn separately from Creator Fund earnings. The process is similar: go to your balance settings, select the diamonds balance, and request a withdrawal to your linked payout method. The minimum withdrawal threshold for diamonds is typically lower than for creator earnings, often around $10. TikTok takes a cut of the gift value before it ever reaches your diamond balance, so the amount you see is already net of TikTok’s share.
Taxes on TikTok Earnings
TikTok earnings are taxable income. If you earn $600 or more in a calendar year, TikTok will report your earnings to the IRS and send you a 1099 form. Even if you earn less than $600, you’re still required to report the income on your tax return. Since TikTok doesn’t withhold taxes from your payouts, you’ll owe income tax and self-employment tax on your net earnings. Setting aside roughly 25% to 30% of your TikTok income for taxes is a reasonable estimate for most creators, though your actual rate depends on your total income and deductions.