AdSense Payments in India: How Wire Transfer Works (2026)
For years, Indian AdSense publishers looked forward to a dollar cheque in the mailbox every month. In April 2014 Google stopped sending them, and our own account was moved to bank wire transfers. We were sad to lose the cheques but glad to skip the bank queues. Here’s how AdSense payments in India work in 2026, step by step.
Quick answer: AdSense pays Indian publishers by international wire transfer in US dollars, sent to your Indian bank account; cheques ended in 2014. Add your bank’s name, account number, IFSC and SWIFT code in AdSense under Payments > Payment info. Once your balance reaches $100 (and you’ve verified your address and tax info), Google pays around the 21st of the following month; your bank converts the dollars to rupees.
Table of Contents
Why Google stopped AdSense cheques in India
Cheques were slow, sometimes lost in the post, and cost time and bank fees to deposit as dollar cheques. As Google moved accounts to its new payments system in 2014, India switched to wire transfers only. The upside: money arrives directly in your account each month with clearer exchange rates.
How to set up AdSense wire transfer in India
- Ask your bank whether it accepts incoming international USD transfers, and what fees and conversion margin it charges.
- Get your bank’s SWIFT code and your branch IFSC.
- In AdSense, go to Payments > Payment info > Manage payment methods > Add payment method.
- Choose wire transfer and enter account holder name (exactly as on the bank account), bank name, account number, IFSC and SWIFT.
- Set it as the primary payment method.
AdSense payment schedule
- Earnings are finalised early in the following month.
- If your balance is at least the $100 payment threshold and there are no holds, payment is issued around the 21st.
- International wires can take several business days to arrive.
- You can hold AdSense payments if you prefer fewer, larger transfers.
Tips for Indian publishers
- Ask your bank for a foreign inward remittance certificate (FIRC/FIRA) for each payment for your records.
- Tell your bank the purpose of the remittance when asked (advertising services).
- Submit your tax information (Form W-8BEN for individuals) in AdSense to avoid holds.
- AdSense income is taxable; talk to a chartered accountant about income tax and GST.
FAQ
Does AdSense still pay by cheque in India?
No. Cheque payments stopped in 2014; Indian publishers are paid by wire transfer.
In which currency does AdSense pay in India?
In US dollars, which your bank converts to rupees.
Why is my AdSense payment on hold?
Common reasons: address PIN not verified, missing tax info, or incomplete payment details. Check the Payments page for alerts.
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i think PayPal is most popular and faster method for money transfer and i always use it.
I think Check based payments are so late and bloggers need to collect it from post office and this is also risky for blogger. I think Swift code based wire transfer more safer and we receive payments within few days.
Thanks Chandra.
My Pin Generated Date is April 9th 2015, Upto now i didnt get the Pin through post …… Applied for 2 times …,
This is really a great news for every indian blogger.I just got my money on EFT.
my adsense money are paid succucess fully by eft of google as shown in adsense but my amount is not recieved
it is true i have also get my payment through wire transfer. it is safe and easy way to get payment in my bank account.
Ya recently i have received my adsense payment from my bank account directly. It is very surprising for me.
I don’t think it really matters how you get paid as long as you get paid. I know many people love to see the check come in the mail with the big dollar amounts, but its better to have it directly deposited in your bank since there could be the risk of the mail getting lost or destroyed.
today my account also get upgraded automatically. now have to set up the EFT option for receiving payment. i did not know that they will stop cheque payment permanently.
Google Adsense has introduced this new payment system with wire transfer which I think is good rather than going for checks. As banks took a lot of time to clear international checks and even charge a significant amount of money as a fees also.
I still have not got the cheque of march month.
Exactly my friend had face this problem
This is really a great news and it will save our lots of time to fill forms and also get money directly to bank account. Yeah And swift and IFSC code both are different . some banks is not provide swift code they have only IFSC code but some banks have both facility of Swift and IFSC code.
Thank you for sharing great news. now my money will transfer to my bank account every month. I think it’s really good opportunity.
I think, it is Google’s good move for Indian Adsense Publisher. Earlier, Google sent City bank cheque and branches of city bank is not in each city of India, generally capital of states. We had to deposit cheque in our local bank and then this cheque was sent to Indian branch of city bank for clarification. This process took much time. Thanks Google, which allowed payment through “International Money Transfer” and very very thanks ” P. Chandra” who shared this useful information with us.
Thanks for this post. i hear about this news a month ago but don’t know when will it apply. it is good because Google take longer time to pay amount through cheque but not it become faster and easier. and your payment is directly transfer in your account.
This is really sweet news, EFT is far better than cheque. if you are in a city where in city bank is not available, it use to take a week to get money. And also you need to keep in touch with courier guy to get the cheque. This is really good option. Also introducing payments to paypal would also be nice.
Thanks for sharing great news, now my money will transfer to my bank account every month. Google has started EFT after long time but indians are happy.
I have a SBI account ,Do you think such government banks has those function.
Government banks like SBI should have those functions, but it is good idea to contact them to get the IFSC/SWIFT codes as well as know about what bank charges they will deduct.
This is great, recently my bank has bounced my latest check from google due to some internal staff error and I was charged Rs 100. Although the matter was resolved and I got my money back but this took me a month.
So this is really awesome. But I have a Question what is swift no that we need to enter for wired payment ?
SWIFT codes are unique bank identifier codes and are unique for your bank.
See list of SWIFT bank codes here https://www.theswiftcodes.com/india/
Hi Saha,
I had the same problem, many branches in India have no swift code here is a quick way to find your branch swift code if your branch has no swift code.
https://www.hugedomains.com/domain_profile.cfm?d=bankswiftifsccode&e=com