To make paying your freelancers as easy as possible, we accept a variety of payment methods. Bank account billing is available for those with a qualifying Upwork billing history. If you see it as an option in your Billing & Payments when you begin to add a payment, you are eligible.

Note:

If your primary billing method is a bank account, you may need to also have at least one additional, active billing method on file. This makes sure transactions can complete and your work isn’t interrupted.

In order to use your bank account as your billing method, you must have:

  • A valid U.S. billing address and bank account
  • Spent at least $1,000 in the last 12-months on Upwork
  • A record of on-time payments through Upwork
  • A back-up billing method: PayPal or credit card (in many cases)

To add a bank account

  1. Go to Settings > Billing & Payments
  2. Choose the Add a New BIlling Method button
  3. Select Bank Account, then choose to Link Account or Enter Manually
  4. After you complete the form, select Save
    1. Upwork will submit two small deposits to your account
    2. Check with your bank to confirm the two verification deposits
    3. Return to your Billing & Payments and choose Verify
    4. Enter the two verification deposits

Frequently Asked Questions

Why can’t I add a bank account as a primary billing method?

Bank account billing is available for U.S.-based clients with a qualifying Upwork billing history.

If your bank account is your primary billing method, you should also have at least one additional, active billing method at all times. This makes sure transactions can complete and your work isn’t interrupted. Add an additional method before making changes to your bank account primary billing method.

Can I remove additional billing methods?

In many cases, you can remove additional billing methods. However, in some cases, if you have a bank account as your primary billing method, you will need at least one additional billing method in place. In these cases, add another additional billing method before removing the old one.

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