On July 3, 2025, a week after I applied, my account with Google AdSense registration was accepted. I felt both excited and confused. I had already started making money, but now comes the important question: Which Indian bank is the best for AdSense payments?
Choose the best bank account for Google AdSense if you’re as perplexed as I am and are a professional, student, or creator like me:
- International wire transfers that are faster
- Reduced charges for currency conversion
- Customer service that runs smoothly
In this post, I’ll share my practical research and experience to help you choose the best bank for AdSense payouts. This article provides a detailed comparison of all of India’s major and well-known banks.
Which Bank Is Best for Google Adsense in India?
Based on SWIFT charges, customer service, convenience of connection, and FX conversion rates, the following comparison is provided:
| Bank Name | Forex Conversion Fees | SWIFT Transfer Charges | Processing Time | Ease of Linking with Adsens | Remarks |
| HDFC Bank | 1%–2% on exchange rate | ₹500–₹1,000 (Approx.) | 1–3 business days | Easy | Good customer support, reliable. |
| ICICI Bank | 0.8%–1.5% on exchange rate | ₹500–₹1,000 (Approx.) | 1–2 business days | Very Easy | Fast transfer, competitive forex. |
| SBI (State Bank of India) | 2%–3% on exchange rate | ₹500–₹1,000 (Varies by branch) | 1–2 business days | Easy | Slower, but reliable. |
| Axis Bank | 1%–2% on exchange rate | ₹500–₹1,000 (Approx.) | 1–3 business days | Easy | Smooth setup, decent forex rates. |
| Kotak Mahindra Bank | 1%–2% on exchange rate | ₹500–₹1,000 (Approx.) | 1–2 business days | Easy | Good digital experience. |
| Yes Bank | 1.5%–2.5% on exchange rate | ₹500–₹1,000 (Approx.) | 1–2 business days | Moderate | Forex rates slightly less favorable. |
| Punjab National Bank (PNB) | 2%–3% on exchange rate | ₹500–₹1,000 (Varies by branch) | 2–5 business days | Moderate | Traditional bank, slower services. |
| Bank of Baroda | 2%–3% on exchange rate | ₹500–₹1,000 (Varies by branch) | 2–5 business days | Easy | Trusted but slower processing. |
| IndusInd Bank | 1.5%–2.5% on exchange rate | ₹500–₹1,000 (Approx.) | 1–2 business days | Moderate | Growing in popularity. |
Notes:
- The currency conversion fee is the approximate percentage that has been deducted from the currently available exchange rate.
- SWIFT transaction fees: These costs may vary slightly based on the type of account and its amount.
- Customer service, online banking help, and the ease of entering bank details within the AdSense dashboard are the main factors that determine whether or not AdSense may be linked.
My preference: Because of their affordable SWIFT fees and simple procedure, I have decided to utilize Bank of Baroda for myself. And I have been using this bank’s savings account since 2022. I have had a great experience with Bank of Baroda; I almost never have to visit the bank for any kind of work because I conduct all of my banking online using my smartphone.
Which Bank Account Is Best for Google Adsense for YouTube Creators?
Which bank account is the ideal choice for YouTube creators located in India who are paid by Google AdSense depends on a variety of criteria, including currency conversion fees, transfer speed, quality of service, and ease of use. This specific suggestion is predicated on what typical creators need:
| Bank Name | Why It’s Recommended |
| ICICI Bank | Quick transfers, minimal exchange margin, and perfect for consistent AdSense payments. |
| HDFC Bank | reliable bank, affordable currency rates, and seamless AdSense integration. |
| Axis Bank | Fast payments outside the country, a decent app, and excellent customer support. |
| Kotak Mahindra Bank | Easy-to-use app, ideal for YouTube creators that are digital natives. |
| Punjab National Bank (PNB) | Traditional choice with a moderate processing speed that is appropriate for rural locations. |
| Bank of Baroda | renowned public bank that provides good support for foreign remittances. |
| SBI (State Bank of India) | Large network, average forex, slower processing, and stable for AdSense. |
| Yes Bank | Average exchange rates, simple AdSense setup, and modern banking. |
| Central Bank of India | Slower processing, stable service, and suitable for rural areas. |
You have two options for YouTube AdSense payments in India: ICICI Bank and HDFC Bank. Both excel in their own markets; for example, quick transfers, competitive exchange rates, and easy AdSense integration make it a dependable choice for creators.
Best Bank Account Type for AdSense Payments in India
The ideal account type for Google AdSense payments in India is
- Savings Account (Suggested for Bloggers & Individual YouTube Creators)
- Current Account (Advised for Agencies, Businesses, or Transactions with a Higher Volume)
- AdSense doesn’t allow the payments to NRE accounts, so this account type is not supported.
- NRO Account: Accepted, but processing times and foreign exchange fees may be slower.
- AdSense users must be a minimum of 18 years old; minor accounts are not acceptable.
- If the name of the primary holder and the AdSense payee match, a joint account may begin operating.
For hassle-free AdSense payments, use a current or savings account with the correct beneficiary name. To avoid delays or problems, stay away from NRE, minor, and mismatched joint accounts.
How to Add Bank Details for AdSense Payments
- Open Google AdSense and log in. Proceed to Payments → Monitor the Payment Methods
- Click “Add Payment Method” → Choose Bank Account Wire Transfer.
- Provide the necessary information, including the account holder’s name (as provided by the bank), the bank name, the account number, the SWIFT/BIC code, and the IFSC code (if needed).
- Consider it the primary method of payment. Press “Save.”
- Await the arrival of payments by waiting for the next payment cycle, which occurs on the 21st and 26th of every month.
How I Got AdSense Approved & Linked My Bank
After just 13 articles and 95 impressions on my new blog, I got AdSense approval. By 3- July-2025my account was activated and earnings started.I already had a Bank of Baroda savings account, so I linked it for AdSense payments.So far:My AdSense is new, and so is my blog, so I haven’t earned enough to transfer it to my bank account yet.I am thinking of opening a new Bank of Baroda account for AdSense if everything goes well. I will link it to my AdSense. You can also choose HDFC or ICICI Bank; they are also very good. Most bloggers and YouTubers have shared their personal experiences about AdSense with these two banks.
Pro Tip: When making AdSense payments, stay away from zero-balance accounts. Keep at least ₹5,000 on hand to prevent any banking problems.
AdSense FAQs: Your Top Questions Answered
Which bank is best to receive AdSense payments in India?
Because they offer better service, cheaper foreign exchange fees, and quicker overseas transfers, banks like HDFC, ICICI, and Bank of Baroda are regarded as the finest.
Which Bank Is Best for YouTube AdSense Payments in India?
Because they provide real-time SMS/email alerts and specialized customer service for digital creators, ICICI Bank and HDFC Bank are well-liked by YouTubers.
How to transfer money from Google AdSense to bank account?
In AdSense, go to Payments → Manage Payment Methods and enter your bank information. Every month between the 21st and the 26th, AdSense automatically sends payment via wire transfer once your balance hits ₹8,000.
What documents are required for AdSense account in India?
A valid government ID, such as a PAN card, current bank account information for payments, and proof of address for PIN verification are required. Personal AdSense accounts don’t need to be registered as a business or pay GST.
Does Adsense payout automatically?
Yes, after your account reaches the minimum amount and payment details are configured, AdSense will automatically release payments.
Final Thoughts: Pick the Best Bank for AdSense Payments
For easy and fast AdSense payments in India, choose a trusted bank like HDFC, ICICI, SBI, or Yes Bank. Pay attention to factors like processing time, foreign exchange rates, and wire transfer fees. If you choose the right bank, you can receive your YouTube or blog earnings easily and quickly without any hassle.
Additionally, managing the wellness of your credit is as highly important whether you are a freelancer and content creator hoping to get ahead financially. For an even more efficient and safe banking setup, you may also look at how to establish credit as a freelancer without proof of income.
