As one of the most popular platforms for adult creators, OnlyFans offers you the chance to earn big. To actually enjoy those earnings, though, you’ll have to go through the OnlyFans payouts process.

In this guide, we’ll do a deep dive into everything this entails, including:

Let’s get into it!

What Is OnlyFans and How Can You Make Money on It?

Although it’s not strictly an adult platform, OnlyFans is a true paradise for all porn creators. In fact, it’s the 7th most popular site for adult entertainers in the US.

By starting an OnlyFans, you can share all kinds of steamy content for your audience. And since the platform is subscription-based, you have the option to hide that content behind a paywall.

You get to set the fee yourself, meaning that you control how much money you earn. Aside from sub fees, you can also make money by selling exclusive pics and videos, answering PMs, and getting tips.

As for the type of content you can post, OnlyFans’ rules are famously lax. Typically, you won’t have any legal issues as long as you respect their Terms of Service.

From dabbling in different niches and exploring the weirder side of the platform, practically anything is fair game. If you don’t want to, you won’t even have to show your face.

That being said, however you end up making your dough, you’ll have to cash it out in order to use it. That will be covered below.

What You Need to Do Before Initiating Your First Payment

Before you can start making money on OnlyFans, you will have to fulfill certain conditions. Namely, you’ll need to:

  • Add your personal info in the Add Bank section
  • Fill out a W-9 or W8-BEN form
  • Add your banking info

We’ll delve a bit deeper into each one below.

Add Your Personal Info

Your first step is to log into your account and open the main drop-down menu. Then, click Add Bank (to earn) in it.

Once the new page loads, you’ll have to choose your country of residence. This step is crucial for two reasons.

First, your location directly determines which payout methods will be available to you. Second, you will not be able to change the country you select at a later date.

So, make sure to pick the exact place you live in to avoid problems in the future.

Then, you’ll have to tick the box that confirms you are at least 18 years old and click Next. A new window will pop up, and you’ll need to deliver the following info:

  • Full legal name
  • Full address (including your country, city, zip code, street, and home number)
  • Your date of birth
  • A pic of the same identification document you provided while getting verified
  • At least one link to an online profile (Instagram, X, or your own website)

It’s pretty much the same data you have to add when getting verified, so you’ll likely already have it at hand.

Still, you’ll need to wait between 24 and 48 hours for OnlyFans to confirm the info you provided, after which you can continue.

Fill Out a W-9 or W8-BEN Form

The next step toward setting up your banking info is filling out a form that will go to the IRS. In this case, that includes a W-9 form for US citizens or a W8-BEN for internationals.

Even though they might look a bit intimidating at first glance, the forms are pretty straightforward.

Namely, the W-9 guarantees that, although OnlyFans issues your paychecks, you’ll be the one to file and pay taxes for them.

To fill out the form, you will need to provide your:

  • Full name
  • Full mailing address
  • Social security number
  • Signature

As for the W8-BEN, it simply states that you are not a US citizen and, therefore, don’t have to pay them any taxes.

When you submit the correct form, you can move on to the next step.

Add Your Banking Info

Finally, it’s time to input your bank account details. To do that, you’ll have to provide the following info on the page that opens up after you submit your tax form:

  • Routing number
  • Account number
  • Account type
  • Account holder’s name and country

It is crucial that the bank account and the ID you provided earlier are in the same name. If they are not, OnlyFans will not accept the bank account.

It’s also important to mention that you’ll have to connect your bank account to OnlyFans even if you don’t want to use bank transfers to get paid.

Therefore, this step is necessary to get things ready for your first payout, no matter what method you pick. There will be more on your options later.

Back to the data you’ve just typed in — there are only a few steps left.

Specifically, you’ll have to agree to OnlyFans’ Terms and Conditions and click Save Payout Details. At this point, a pop-up will appear, and you’ll receive a security code via email.

Simply paste the code into the designated spot in the pop-up, hit Confirm, and you’ll be good to go.

Getting Your First Paycheck: How Do OnlyFans Payouts Work?

With your account fully verified and ready to go, you can finally get your hands on all that sweet money.

To initiate your first payout, go to the Statements section in the main drop-down menu. Alternatively, follow this link to the page.

There, you’ll see three different sections:

  • Pending Balance
  • Current Balance
  • Payout Request

We’ll explain each one below.

Pending Balance

When you make money on OnlyFans, the funds don’t become available for withdrawal right away. Instead, there is a mandatory 7-day waiting period to help avoid fraudulent activity.

Until this period passes, OnlyFans displays your money under Pending Balance. The name is pretty self-explanatory — it’s the money that you’ve earned but cannot withdraw just yet.

The balance operates via a rolling effect. In short, the money you earn on the 1st of the month will be available on the 8th, the funds from the 2nd on the 9th, and so on.

So, once you start earning consistently, a portion of your profits will be ready to withdraw every day.

Once the money becomes available, it’ll move to your Current Balance.

Current Balance

This part of your Statements page is quite straightforward. Namely, it contains all the funds that you can withdraw at the moment.

As you can guess from the explanations above, this number changes every day, as soon as OnlyFans releases the funds from your Pending Balance.

When you’re ready to withdraw, you can move on to the last part of the page, aptly titled Payout Request.

Payout Request

Finally, we come to the part you’ve been looking forward to the most — learning how to get paid on OnlyFans.

But before you begin, you should note that your Current Balance will have to be at $20 or more for a payout request to be possible. Otherwise, this part of your Statements page will be grayed out and inaccessible.

In other words, $20 is the minimum payout threshold that you need to reach on OnlyFans. Luckily, it’s pretty low compared to most similar platforms, and it’s quite easy to achieve.

If you do have $20 or more, you can proceed to requesting your payment through the following steps.

#1 Initiate the Process

Whether you’ll need to complete this step will depend on the payment schedule you go for (there’ll be more on those right below).

In case you do need to complete it, simply click Withdraw Current Balance right under Payout Request.

You can withdraw your entire balance or input the exact number you want to get. If you don’t type any amount, the platform will assume the former.

#2 Pick a Payment Schedule

The next step is choosing a particular payment schedule. OnlyFans offers you two options here.

If you go for Manual Payouts, you’ll have to repeat this process whenever you want your cash. That is to say, you will have to send out a separate payout request each time.

The advantage of this schedule type is that you can always choose the exact amount of money you want to withdraw.

On the other hand, picking Automatic Payouts means the exact opposite. Namely, by choosing it, you leave the payout tasks to OnlyFans.

All you’ll have to do is pick how often you want to get paid in the section below — daily, weekly, or monthly — and they’ll handle the rest.

However, this option does not let you enter a desired amount for withdrawal. Instead, OnlyFans will transfer your whole Current Balance via your chosen payment method.

In case you don’t reach the minimum threshold, the platform will wait until you do and send you the money at your next payout date.

With the schedule picked, you can continue to the last step: choosing your Payment Method.

#3 Pick a Payment Method

As we have already mentioned, your available payment methods will depend on your location.

Although OnlyFans offers several (we’ll list them a bit later on), not all of them will be on the table for all users.

The easiest way to go about things is to select Bank Transfer (ACH), SEPA, or SWIFT (based on your location) and have the funds deposited directly to the account you have already linked to your profile.

However, you can also choose to use an e-payment service (such as Wise or Cosmo). Then, you can transfer the funds to your bank account on your own from that service.

In any case, you’ll just have to pick your desired payout method, then provide any additional info the page requests based on your choice.

That could include linking an e-payment account or providing a SWIFT or SEPA code.

When you’re done, click Request Payout at the bottom of the page, and your dough will be on its way!

What Payment Methods Does OnlyFans Support?

We’ve already covered some of the payout methods you can go for on OnlyFans. Now, we’ll go into a little more detail on each of them.

Bank Transfer (ACH)

Available to US citizens only, ACH is the easiest way to have money directly deposited to your linked bank account.

These transactions come with no fees, and the only conditions are that your current balance is at least $20 and that the amount you’re withdrawing is not bigger than $5,000.

As for when you can expect your money, the transaction can take anywhere between 3 and 5 days.

International Bank Transfer (SWIFT or SEPA)

This option is pretty much the same as ACH, but it is reserved for non-US models.

In the case of SEPA, it can be used in the majority of European countries. On the other hand, SWIFT handles global payments, so it’s a viable option for those who can’t use SEPA.

Luckily, you won’t have to think too hard about picking the right one, as OnlyFans will only display the option available in your specific location.

Just like with ACH, there are no transaction fees, and the transaction period is 3-5 days. As for the amount of money you can transfer at once, the cap is $1,000.

Direct Transfer (OTC)

Also known as Visa Direct, this method involves using a Visa card. Its main advantage is that it supports transferring pretty large amounts of money (over $5k per transaction).

Also, everything is done in just two days with no transaction fees. However, as we have mentioned above, you can only use this method if you own a Visa card.

E-Payments (E-Wallets)

In terms of quickness, e-payments are your best bet, as it only takes a day for the money to arrive into your e-wallet.

However, there is a catch: you can only withdraw up to $100 per payout. So, this option is usually better for newbies who don’t make that much money on the platform.

For instance, if you made $1,400 per day and wanted to withdraw it, you’d receive it over 14 payouts.

Now, this isn’t that big of a hassle if you go for an automatic payout. But doing it manually would be a bit time-consuming.

Plus, each e-payment platform comes with different transfer fees. So, some of them may not be a good choice if you need over 10 payments to cash out your current balance.

As for the options you can go for, the usual culprits are available:

Just pick one based on your location and preference, link it to your OnlyFans, and it’ll be ready for use.

How Often Can You Get Paid on OnlyFans?

OnlyFans lets you withdraw money automatically every day, once a week, or once a month. And if you prefer to request your dough manually, you can do it whenever you want (even several times a day).

However, in case you don’t meet the $20 minimum payout threshold, automatic payments won’t be possible, and you won’t be able to send manual requests either.

How Long Do OnlyFans Payouts Take?

How long you’ll have to wait to enjoy your OnlyFans dough directly depends on the payment method you pick.

For ACH, SWIFT, and SEPA, the waiting period can be anywhere from 2 to 5 days. And with e-payments and OTC, you’ll get your money in one or two days, respectively.

Also, you may have to put up with some more processing time in certain banks. So, you should definitely contact your bank and ask about it.

That way, you’ll know exactly how long you’ll have to wait for each payment.

What Should You Do if You Run Into Any Trouble?

In case your payment request is denied or you cannot find the payment method you want, contacting OnlyFans’ support team is your best bet.

Just shoot them an email at [email protected]. They usually reply within a few hours, so you won’t have to twiddle your thumbs for too long.


Now that you know how to get paid on OnlyFans, you can go ahead and start shooting some sexy content. Put in some time and effort, and watch as your bank account balance shoots up.