Yes, but only from Amazon Pay and seller balances, not from your shopping account
You cannot transfer money directly from your Amazon shopping account (the one you use to buy things) to your bank. Amazon does not hold your money there — when you make a purchase, the charge goes straight to your payment method. What you can transfer is money sitting in an Amazon Pay merchant account or a seller central account, which are different from your customer account.
If you are a seller, you have a balance in Seller Central that accumulates from sales. If you use Amazon Pay to accept payments as a business, you have a merchant account. Both of these can send money to your bank account. If you are only a customer, you do not have a balance to transfer — your account is a spending account, not a holding account.
Key Takeaways
- Your Amazon shopping account does not hold money and cannot transfer to a bank; it is a spending account tied to your payment methods.
- Seller Central balances can be transferred to your bank account through the "Deposit to Your Bank Account" tool, usually within one to two business days.
- Amazon Pay merchant accounts require you to navigate to the Payments section and request a payout to your linked bank account.
- You must have a verified U.S. bank account linked to your Amazon account before any transfer can happen.
- Transfers are free, but the timing and availability depend on whether you are a seller, a merchant, or only a customer.
Transferring money from Seller Central to your bank
If you sell on Amazon, your earnings sit in Seller Central until you move them. Log into your Seller Central account, go to the Payments section, and select Deposit to Your Bank Account. You will see your available balance — the amount you can transfer right now. Amazon holds back a small reserve from each sale, so your available balance is usually less than your total earnings.
Enter the amount you want to transfer and confirm your linked bank account. The transfer typically takes one to two business days to appear in your bank. You can request transfers as often as you want, but Amazon may set a minimum (often $0.01, though some seller accounts have higher minimums). There is no fee for the transfer itself.
If you do not see a bank account option, you need to add one first. Go to Settings > Bank Accounts and Credit Cards and link your U.S. bank account. Amazon will verify it with two small deposits, which can take three to five business days.
Transferring money from Amazon Pay to your bank
If you use Amazon Pay as a merchant to accept payments from customers, your funds accumulate in your Amazon Pay account. Log into your Amazon Pay console, navigate to the Payments or Account section (the exact name varies by region), and look for Payout Settings or Deposit to Bank Account.
Select the amount you want to transfer and confirm your bank account. Like Seller Central, Amazon Pay transfers usually land within one to two business days. You must have a verified U.S. bank account linked to your Amazon Pay account. If you have not added one yet, go to your account settings and follow the verification process, which involves two small test deposits.
What happens if your bank account is not verified
Amazon will not let you transfer money until your bank account is verified. When you first link a bank account, Amazon deposits two small amounts (usually between $0.01 and $0.99 each) into it. You then log back into your Amazon account and confirm the exact amounts of those deposits. This process typically takes three to five business days.
Until verification is complete, you can see your available balance but cannot request a transfer. If you entered the wrong bank account details, you can delete that account and add a new one, but you will have to wait through the verification process again. Use the exact account and routing numbers from a voided check or your bank's website to avoid errors.
Timing and what to expect
Once you request a transfer, Amazon processes it within one business day. Your bank then takes one to two additional business days to post the money to your account. So the full timeline is usually two to three business days from request to deposit, though it can occasionally take longer if your bank is slow or if the transfer is flagged for review.
Weekends and bank holidays add time. If you request a transfer on Friday evening, it may not reach your bank until Monday or Tuesday. If your bank is small or regional, posting can take an extra day. You can check the status of a pending transfer in your Seller Central or Amazon Pay account — both show whether the transfer is processing, pending, or complete.
Why a transfer might fail or be delayed
The most common reason a transfer fails is a mismatch between the bank account you linked and the actual account at your bank. If the routing number or account number is wrong, the transfer bounces back to Amazon, which then returns it to your available balance. This can take five to seven business days.
Transfers can also be delayed if Amazon flags your account for review — this happens randomly or if there is unusual activity. You may receive an email asking you to verify your identity or provide additional information. Respond quickly; delays from this can range from a few hours to several days. If your bank account is new or has been closed and reopened, Amazon may hold the transfer for review as well.
Transfers from gift cards and refunds do not work the same way
If you have an Amazon gift card balance or a refund credit in your account, you cannot transfer that to your bank. Gift card balances and refund credits can only be used to buy things on Amazon. They are store credit, not money. The only exception is if you are a seller or merchant — in that case, refunds from customers are treated as a reduction to your seller or merchant balance, which you can then transfer.
If you received a refund as a customer and want the money back to your original payment method (credit card, debit card, or bank account), contact Amazon Customer Service. They can process a refund to your original payment method, but this is different from a transfer — it is a reversal of the original charge.
Frequently Asked Questions
Can I transfer money from my Amazon shopping account to my bank?
No. Your shopping account does not hold money — it is tied to your payment methods. When you buy something, the charge goes directly to your card or bank account. Only seller and merchant accounts hold balances that can be transferred.
How long does it take for money to reach my bank after I request a transfer?
Usually two to three business days from the time you request it. Amazon processes the transfer within one business day, and your bank takes one to two additional days to post it. Weekends and holidays add time.
What if I entered the wrong bank account number?
The transfer will fail and bounce back to your available balance within five to seven business days. Delete the incorrect account, add the correct one, and wait three to five days for verification before requesting a new transfer.
Do I have to transfer my entire balance, or can I transfer part of it?
You can transfer any amount up to your available balance. You do not have to move everything at once. Some seller accounts have a minimum transfer amount, but most allow transfers as small as $0.01.
Why is my transfer still pending after three days?
Your bank may be processing it slowly, or Amazon may have flagged your account for review. Check your Seller Central or Amazon Pay account for status updates. If it has been more than five business days, contact Amazon Seller Support or Amazon Pay support to investigate.