Why Hasn’t My Money Been Deposited Yet?

Quick answer

It’s possible your funds aren’t scheduled to deposit yet. Go to your Payment settings to manage your deposit schedule. 

Manage my deposit

If you didn’t receive a deposit after making a sale with Etsy Payments, check each of the common scenarios below. 

Learn more about managing your finances on Etsy.

Your funds aren’t scheduled to deposit yet

If you're a new seller, for your first 90 days, your funds will generally be Available for deposit 3 days after a sale. When the 90-day period ends, Etsy Payments orders will become Available for deposit the next business day.

Manage my deposit

You can set up a deposit schedule for your available funds. If the date of your next deposit hasn’t occurred yet, you can wait for that date, or select Request it now under your amount Available for deposit.

  1. Sign in to Etsy.com and go to Shop Manager
  2. From Finances, go to Payments Settings.
  3. Under Deposit schedule, choose daily, weekly, biweekly, or monthly deposits.

The daily deposit schedule requires that a minimum deposit amount be met before the funds can be deposited. This minimum amount varies by country.

Your fees are greater than your sales

See my balance

If you owe more fees for your Etsy shop than you made in sales, you won’t have funds Available for deposit. This means that your Current balance is negative.

  1. Sign in to Etsy.com and go to Shop Manager
  2. From Finances, go to Payment account.
  3. Under Recent activities, you’ll see your Current balance. This is your sales minus your fees. If this balance is positive, you’ll see an amount Available for deposit.

Learn more about how fees work with Etsy sales.

You don’t have a valid credit or debit card on file

Update my card

To receive your Etsy Payments funds, you need a valid credit or debit card connected to your account.

  1. Sign in to Etsy.com and go to Shop Manager
  2. From Finances, go to Payments Settings and select Billing.
  3. Choose Edit next to your card details or select Add new card under Your cards.

Enter your card details and select Save.

You can add a prepaid card to your account if you already have a credit or debit card on file. A non- reloadable prepaid card can’t be your only or primary payment card, but you can always pay your bill manually with a non-reloadable prepaid card.

Shops based in Germany, Austria, or the Netherlands don’t need to add a credit or debit card.

You don’t have a valid bank account on file

Update my bank account

To receive your sales funds, you need to have a valid bank account connected to your shop.

  1. Sign in to Etsy.com and go to Shop Manager
  2. From Finances, go to Payments Settings
  3. Next to Bank details, select Update.
  4. Enter the number of your bank account on file and select Confirm bank account.
  5. Enter your new bank information and select Save.

If your bank account is located in the EU, Hong Kong, Singapore or Switzerland, you will need to verify your bank account before you can receive any funds from your sales for compliance purposes. Learn how you can verify your bank account.

You have recently updated your bank account

Once you’ve updated your bank account, your Etsy Payments funds will be on hold for 5 days to protect your account from any possible misuse. This means your Etsy Payments sales funds can be deposited into your new bank account from 5 days after you update your bank details.

If your new bank account is located in the EU, Hong Kong, Singapore or Switzerland, you will need to verify your bank account before you can receive any funds from your sales for compliance purposes. 

Your funds are placed in a Payment account reserve

See my reserve details

If a Payment account reserve is placed on your account, a percentage of your sales are set aside on a rolling basis for up to 45 days. 

Reserves are a common practice in online marketplaces. They can help keep your Payment account  balance from going into the negative if you receive a chargeback from a customer’s credit card company, or any other unexpected charges.

How do I know if there’s a reserve in my account? 

You’ll be notified by email if a reserve is placed in your Payment account.

  1. On Etsy.com, go to Shop Manager
  2. Go to Finances
  3. Go to Payment account.
  4. Review the Payment account reserve section (you’ll only see this if you have a reserve).

Learn more about Payment Account reserves.



Your payment account balance is deposited based on your deposit schedule and can take a few days to reach your bank account.

Learn more about how your Payment account works:

If you’re not seeing your deposit when you’d expect to:

If your current balance is negative, you won’t receive a deposit. This means that owe more fees for your Etsy shop than you made in sales.

If your current balance is lower than you expected, check your Recent activities in your Payment account. Etsy fees as well as charges for shipping labels or Etsy Ads are taken out of your balance.

Check your current balance

To deposit your Etsy Payments funds, you need a valid credit or debit card connected to your account. Check that your card on file is correct and that you don’t have an Amount due to be paid from this card.

If you have an overdue charge, you need to manually pay that charge after you update your card.

Update your card on file

To deposit your sales funds, you need to have a valid bank account connected to your shop.

If you have an old bank account on file, that bank should automatically send your deposit back to your Etsy Payment account. It can take several business days for the deposit to be returned. You'll receive an email notice from Etsy once your bank returns the funds.

Update your bank on file to receive this deposit. Once the bank account is updated, Etsy Payments funds are automatically placed on hold for 5 days.

Update your bank account
Did this help?
Why didn’t this article help you? (select all that apply, required question)

Thanks for your feedback!

Still have questions?

Contact support