Earlier when I shared about how Google AdSense pays in India, I talked about AdSense is planning to enable EFT payment for Indian AdSense users. EFT (Electronic fund transfer) payment will ensure your AdSense earning will directly deposit into your bank account, and most important you don’t need to wait for receiving the check and check clearance time. As an AdSense publisher, this feature is beneficial and making our work paperless. In this tutorial, I will explain everything you need to for enabling EFT payment for your AdSense account.
How to Configure Wire transfer for Indian AdSense publishers
This whole setup process will not take more than 15 minutes, and I highly recommend you to do that to save time for future payment. Follow the steps mentioned below and keep your mobile phone handy, as you might need to call your bank customer care to get the IFSC and Swift code. Along with Direct bank deposit feature, now you can also specify the payment threshold and hold your payment for up-to one year. So, let’s get on with our quick guide for enabling EFT payment for your AdSense account.
- Log in to your AdSense account and Click on the gear box and select payments.
- Click on Payment settings under payment page.
- Click on add a new form of payment.
On the next screen, you need to enter your bank account details. There are two details which you need to get from your bank. (IFSC code and Swift BIC code). To get the IFSC code and Swift code for your account, simply call your bank customer care and ask for it. In my case, I’m using ICICI bank Saving bank account, and I have used following Swift code to receive payment: ICICINBBNRI. If you are calling ICICI bank, they will provide you with two swift code CHASUS33XXX for USD and ICICINBBNRI for INR. You need to enter the Swift code for INR and conversion will be taken care by your bank. This may change if you are using any other bank account, so I suggest you re-confirm it from your bank customer care. For ICICI Bank current account, you need to use ICICINBBCTS
Click on save payment, and that’s it. Now you will receive money directly from your bank account and here are few more details which you need to know about updated AdSense Payment policy:
- You can update your payment method until 20th of any month.
- You can now use any AdSense payment threshold greater than minimum ($100) payment.
- You can hold your payment until any specific date; maximum up to 1 year. (Though I discourage you to use this feature, as you might face issue if AdSense decide to ban your account).
Over all, direct bank deposit feature is already making the life of many Indian AdSense publishers easy, and if you have not updated your Payment option, it’s time to log into your AdSense account and update payment settings.
FAQ about AdSense EFT Payment:
- Q. What is the minimum payment threshold for EFT payment?
- A. Minimum payment threshold is $100
- Q. Is Pin verification mandatory after AdSense introduced EFT payment?
- A. Pin verification is mandatory process from AdSense to verify your address, so yes; it is!
In case if you are using any other bank like Axis, SBI, HDFC and you know which Swift code you are using, do share with us via comment. This will be helpful for other shouters. Don’t forget to share this useful tutorial with other AdSense publishers in India. Here are few more posts which you should not miss:
- How to Calculate Income Tax on AdSense Payment in India
- 6 Best AdSense Plugins For WordPress To Integrate AdSense with WordPress
I use my father’s id to run my channel. Can I enter my bank details to get my money directly into my account?
i have set my account as per your info and i have not yet received the minimal withdraw amount, i think i can get coming month. one doubt i have used the swift number of another branch as i cant able to find for my branch….will still get payment…..and another thing is how to modify the setteing we have made in payment tab, if i want to add new account how to edit existing one…
Hi harsh !
I am trying to put my Bank details in adsense payment method, but there is little bit confusion.
I am from siliguri, west bengal and consumer of Bank of India.
Yes this Bank has swift code but they don’t know what is BIC ?
Please tell me what information should i collect form Bank,
IFSC: yes i have
Swift code : Yes
Swift BIC code : ??
And should i need Intermediary Bank details??
Hi Harsh, i have joined Adsense. My account withdrawal limit is reached. Now, i want to add payment method. I want to know that do each bank branches have swift code? I have tried to contact my bank. But they are not responding well.
What should i have to do? Can u help?
iam a webmaster from kolkata ,want to know some points :-
1)should i fall under service tax if iam a adsense or other ad networks blogger or webmasters or publishers (sole proprietorship) and affiliate earnings like from amazon associates etc ?
2)if yes how to pay service tax on adsense earnings or other earnings from providing ad spaces of my website or other affiliate earnings ?
what will happen if iam a direct sale of my ads spaces to advertiser or if iam a commission agent from adsense or other ad networks ?
3)plss help me and make it clear ,as iam very confused still after having a lot of queries on internet ,not yet cleared…..
4)if you help me i will be very grateful…as iam going to open up my website hence need to know all such formalities for it ….all tax rules like income tax ,service tax , apply for trade license etc ?
5)do i need a trade license if iam a individual owner have personal bank account for adsense earnings and affiliate earnings ?
6) i have personal savings account ,do i need FIRC certificate ?if yes how can i get such FIRC certificate from SBI(state bank of india) ,as i have no other accounts in india,,does SBI PROVIDE FIRC CERTIFICATE ? i need to know as SBI is a government bank ….
7) what are the best laws i can apply to save from tax exemtion ,enforcement diectrorate etc ,?what bet i can do for adsense earnings ?
if u help me i wil be grateful ,very grateful for it ….thank you i follow ure blog regularly hence want this small hep from u .
Hi, Harsh, Thanks for the update. My Adsense account has been updated with new payment option and added my bank details.
Then how many days payment will be transfer in bank account??? Any specific Date ??
Hi Bhargav, Adsense payment is done between 21st and 26th of every month. They do not change this for any reason. Happy earning! Thanks, Jiya
Hi Jiya,
Google issue my payment. In how many days i receive this??
I have a saving account .
Interesting articles and thanks for posting these but i have some questions related to this articles? What if i will use the bank account of my husband?? is it possible that i will use my husband name and account? then the adsense account is mine?
No, account should be yours. It’s no problem You can register account with husband name. Name and address in the account should match all details with bank account details and to verify pin
Hi,
I have question regarding the Adsense account. I live in USA.
I have a website which is 5months old and adsense got approved recently. Since I am on H1B visa, I cannot get adsense income in USA due to tax issues. So I decided to transfer to domain to my Mother name and she is living in India( Rural area).
I haven’t placed any ads with adsense account which is approved on my name.
1. how do I transfer adsense account to my Mother. I think I should apply again with my Mother’s email.
2. What are the chances that adsense will approve again since it is apporved recetly and not used.
3. how many days I should wait for reapplying adsense on my mothers names? Will Adsense team ask questions about reapply? What should I answer?
4. Can I setup direct deposit to my mothers account since is living village and no Bluedart courier service? and register post will take longer time to send posts.
Thanks
Babu
I am new to this adsense thing. I really liked your post. Now i can transfer my funds to my account through EFT.
But im little confused what if my bank doesnt have a swift code. Does all bank branches have same swift code.
@Mohit
All banks have Swift code.You can call your bank customer care and ask the one for your account.
Hello sir I have same issue .
can you tell me about the swift code for PNB Bayana bharatpur Rajasthan region ?
I asked at PNB bayana but they gave me Jaipur international fund transfer PNB swift code as I checked with on web.
So tell that is there any difference in the swift code of PNB location wise ?
All the branch doesn’t have SWIFT-BIC code.
Only the branches located in cities are authorized to do transaction is foreign currencies and hence they have SWIFT code.
If your bank is located at rural or semi urban then chances are your bank doesn’t have SWIFT code, don’t worry my friend you can always use SWIFT code of your nearest branch. The SWIFT branch will receive the amount in their bank account and then they will credit it to your bank account using IFS Code and Account Number (they will deduct little amount as USD-INR Conversion Charges).
Hope it helps!
@mohit
Don’t worry mohit you can mention any swift code of swift code enabled branch same bank and also put your branch’s IFSC CODE. Swift code used for only currency conversion purpose.
Hello Harsh,
I have Adsense Account with my business name. Now the problem is my Current A/c. Is with a Co-op. Bank which doesn’t have Swift Code. 🙁
Please guide me, how I can handle this? Is their any other method to receive the payment in my business name? Are cheque payments still available from Google?
Are shall I plan to open a new Current A/c. in my business name with other bank like ICICI or Axis?
And lastly, do you suggest to close my Adsense Account which is in my business name and open a new account in my personal name?
Wow! It’s really a nice development. Indian publishers no longer have to run to the banks to deposit the cheques. Great news to get payments directly to our bank accounts. No more cheques from Google!
Thanks for the info.. Thumbs up 🙂
Hi
Can the account payee name and bank account holder name differ for a business account.
like xxx business, sameer singh, delhi
can be paid to payee sameer singh bank account holder
Hi,
You can add one more thing i.e 10usd deduction of your adsense amount per month as a fee towards intermediary Bank probably Bank of Singapore and may be around 1usd deducation by your bank as forex transaction or whatever charges they may say.
But still you get good amount as bank take the current rate for converting usd to inr whereas adsense takes little lower rate for conversion.
I’m a Axis Bank User. They provided me with this SWIFT-BIC Code for Jaipur Branch: AXISINBB010
After how many days money will transfer in bank account after withdrawing
Hi Harsh
That’s Great news for Indian bloggers but I have heard on some blogs that Banks deduct some money for transferring money direct in your banks.
Is it True ?? If not then I will also started to using this method to save my time.
Thanks Harsh for this useful Post.
I receive money from AdSense via Western Union. Can’t be cool than this 😀
EFT is really a very nice payment mode that Google adsense has provided.It removes all the hassles…Earlier I had to go to my Bank Branch to deposit the monthly cheque which is no more needed,money automatically comes to the account — what a great relief…I have received one payment through EFT…Another benefit is that payment comes in time…
You have provided a simple tutorial on how to activate the online receipt of google adsense payments…It has been timed well – all the google adsense users are looking for this..
Hi, Harsh, Thanks for the update. My Adsense account has been updated with new payment option and added my bank details. Here I want to share with you all that if your branch does not have swift code, then you can use your city very nearest branch which have a swift code. for example, if you have an account in sbi lucknow branch and it does not have swift code than you can use any sbi branch nearest to your city which have a swift code and money will be credited to your account without any problem. I am also using my nearest city swift code an receive payment without any problem.
Should The Swift code of nearest bank be added in the Main Swift code section or the intermediary bank details Section
In March they were testing this feature, many publisher got wire transfer enabled by keeping their account on hold till 16th march, now this is available for every publisher, even i got my one payment via Wire transfer.