Pay with a bank account (direct debit)

How it works

• If you use automatic payments (direct debit)

We'll process your payment after you've accrued advertising costs. You'll be billed 30 days after your last automatic charge or when your costs reach a certain amount (known as your billing threshold); whichever comes first.

• Automatic payments through a bank account (direct deposit) are supported in certain countries in Europe and the United States only.
• Note: It can take up to 5 business days for your bank account payment to be processed successfully.

• If you use manual payments

On this setting, just save your bank account details in your Google Ads account and verify your bank account. After your bank account is set up, you can use the 'Make a payment' button to make manual payments. Bear in mind that payments by bank account can take up to five days to process.

Who can use it

Payment by bank account is available only in certain countries and currencies. To check if you can use a bank account to pay for Google Ads, view our payment options tool and check if 'bank account' is listed as a payment method in your country and currency.

How to set it up

1. In your Google Ads account, click the Billing icon .
2. Click Payment methods.
3. Click Add new payment method.
4. Select Bank account, fill in your bank details and agree to the terms and conditions provided.
5. To make this your primary payment method, tick the box next to 'Set this payment method as Primary'.
   • Note: If an error message indicates that your bank account can’t be used for recurring payments, you'll need to use a different bank account or card as your primary payment method instead.
6. Click Save.

Verify your bank account

Depending on your country, you may need to verify your bank account in order to use direct debit. This process will vary depending on your country.

• If you're in the US You can choose to verify instantly or verify with a challenge deposit. If you verify instantly, then you’ll be asked for the user ID and password of your bank account, which Google will use to verify your account in a matter of seconds. If the instant verification fails or you'd rather choose to do a challenge deposit, a small test deposit will appear in your bank account within the next three days. When it does, sign in to your Google Ads account and navigate to the 'Billing & payments' section of your account. You'll be prompted to enter the deposit amount to verify your account.
• If you're in Austria, Cyprus, Estonia, Finland, France, Germany, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain or United Kingdom: You'll first need to accept the mandate in your Google Ads account. Then, you’ll verify your account with a challenge deposit and a small challenge deposit will appear in your bank account within three to five days. When it does, sign in to your Google Ads account, navigate to the 'Billing & payments' section of your account and follow the prompts.
• If you're in Israel: You'll need to print, complete and send us a debit authorisation. To do so, review Complete a challenge deposit or debit authorisation.

Change your bank account

At some point, you might want to change the bank account that you use for your Google Ads payments. Here's how you can change it:

1. In your Google Ads account, click the Billing icon .
   • Note: If you're a manager account-user, sign in directly to the client account.
2. Click Payment methods.
3. Click Add payment method.
4. Enter your new bank account information and click Save.
5. Once your bank account has been set up (which can take a few days), make it the primary payment method in your account. To do this, navigate to the 'Billing & payments' section of your account, then click the Payment methods link on the side of the page.
6. Find your new bank account and select Primary from the drop-down in the bottom left-hand corner.
   • Note: If an error message indicates that your bank account can’t be used for recurring payments, you need to use a different bank account or card as your primary payment method instead.
7. Click Save.

If you're sure that you don't want to use your previous bank account again, you can remove it from your account. To do this, click the 'Payment methods' link, find the bank account on the page and click 'Remove'. Bear in mind that a new primary payment method needs to be assigned to your account before you can remove the previous one.

If you don't want your ads to run immediately after your bank account is verified, make sure that you pause your campaigns.