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You’ve managed to accrue some Amazon gift cards, but that money would really be more useful in your bank account. You may have even earned some money from a client who paid using Amazon Pay. There’s only one issue — Amazon isn’t exactly eager to just let you take this money. Fortunately, there are some tips and tricks you can use to Amazon pay withdraw funds, and use that money however you like.

Learning the ins and outs of how to transfer money from Amazon pay to a bank account can be a little tricky, but this guide can help. It breaks down the whole transfer process into easy steps, so all you have to do is open your app and follow along.

How to Transfer Amazon Pay Balance to Bank Account

To do this, all you need are your Amazon login credentials and a connected bank account. First, we’re going to start by going to

1. Go to Amazon Pay > Shoppers.

For best results, don’t use the regular Amazon app for this. Navigate to the Amazon Pay site instead. At the top right, there’ll be a button beside the search bar. Click it, and select “Shoppers.”

2. Sign in, if needed.

If you aren’t already signed in, do so now. Amazon won’t give you access to your payment information unless you’re signed in. If you have multiple accounts, make sure you’re using the credentials connected to the right bank account.

3. Select "Withdraw."

Choose “Withdraw.” This will allow you to take your money from your Amazon account, and transfer it to your connected checking account.

4. Select your bank account.

You may be presented with a list of options here, including debit cards or other bank accounts connected to your Amazon Pay. Choose the account you wish to transfer the funds to. Double-check and make sure your information is correct before proceeding.

5. Enter the amount to transfer.

Type in the dollar amount that you wish to transfer.

6. Click "Continue."

Click the “Continue” button. This will take you to the final step of the process.

7. Finish the withdrawal.

Once you click the button to accept the withdrawal, the process should be complete.

Bear in mind that this isn’t instant like a bank or PayPal transfer — it can take between three to five business days for Amazon Pay to withdraw funds. Business days only include Monday through Friday, so that means it may take up to seven days total if you initiate the transfer on a weekend. Keep this in mind if you need your money by a specific date.

How to Transfer Amazon Pay to Your Bank Account Using a Third-Party App

Amazon would always rather you spend the money in your Amazon Pay account, rather than withdraw it. As a result, they can sometimes make this process more lengthy and complicated than it needs to be. A third-party app can allow you to withdraw your money much more easily.

First, Open the Amazon App

Before you start, it’s important to verify exactly how much you have available to you. That way, you won’t have to guess when you’re entering the withdrawal amount into the third-party app.

Go to Account > Your Payments

Tap on the profile icon at the bottom of the screen. This will bring you to your account page, and a long list of options. Scroll down until you see “Payments.” just below that, there should be an option for “Your Payments.” Tap on this to go to your Amazon payment account.

Verify Your Balance

Double-check how much money you have available in your Amazon account. You won’t be able to Amazon pay withdraw funds right from the app, so you need to know exactly how much money you have so you can type the correct amount in the third-party app.

Don't Forget the Surcharge

These third-party apps provide a service, and they charge for it. Don’t forget to factor that charge into your calculations when you’re figuring out how much to transfer.

A third-party app will allow you to transfer to Google Pay or other platforms.

Depending on which platforms your preferred app supports, you may be able to transfer your Amazon Pay balance to Google Pay, PayPal, Venmo, or directly to your bank account.

There are a lot of third-party payment apps available, all with different advantages, disadvantages, and surcharges. For this example, we’ll look at Snapay.

SnaPay (third-party app)

SnaPay is an app that makes it easy to transfer funds, receive payments, and even pay employees.

1. Sign in.

If you don’t have a SnaPay account, set one up now. If you do, sign in using your account credentials.

2. Add a payment account (i.e Google Pay, bank account, etc).

Add the account to which you’d like to withdraw funds. This can be your bank account, or, if you prefer, Google Pay or another payment platform. Make absolutely certain that you’ve entered the correct email addresses, account numbers, or other credentials — if you accidentally enter the wrong bank account, it can be challenging to get your money back.

3. Payment Request Option > Payment Amount.

Next, navigate to “Payment Request Option,” and enter the payment amount.

4. Select Amazon Pay balance.

This is the important part: Make sure that the Amazon Pay balance is selected. If not, you won’t be able to Amazon Pay withdraw funds, and SnaPay may try to take the money from somewhere else. You may still incur a surcharge, so make sure everything is correct so you don’t have to pay that surcharge twice.

5. You will be redirected to Amazon Pay.

In order to perform an Amazon Pay withdrawal, SnaPay needs to access your account. At this point, you’ll be redirected to Amazon Pay to complete the transaction.

6. Sign-in > Continue.

Sign in to your Amazon Pay account using your Amazon credentials. Click “Continue.”

7. Transfer money.

Complete the transfer. You’re all set!

Note: There is a transfer fee.

As was mentioned previously, don’t forget about SnaPay’s transfer fee. This is generally 1.25% for payments, but this can vary depending on priority. That means that, if you want to transfer $100, you’ll be charged $1.25.

How to withdraw money from an Amazon gift card

Amazon gift cards are commonly given as gifts, prizes for contests, and even rewards for online surveys. Unfortunately, it’s against Amazon’s terms of use to turn those gift cards into cash. You can try to do so, but you may need to get creative if you can’t perform a regular Amazon Pay withdrawal.

1. Go to the Amazon Pay website.

Just like we did in the first section, go to the Amazon Pay website.

2. Click "Shoppers" under "Sign In."

At the top right, click on the “Sign In” button. Select “Shoppers” beneath that.

3. Sign in.

If you haven’t already, sign in using your Amazon credentials.

4. Tap "Withdraw Funds."

Click on the option to “Withdraw Funds.”

5. Choose your bank account

Next, select the bank account to which you’d like to Amazon Pay withdraw funds. Make sure your bank details are correct.

6. Enter the amount you want to transfer.

Enter the amount of your Amazon Pay balance that you’d like to transfer into your bank account.

7. It will take 3-5 business days.

This transfer isn’t instant, so it can take a while to go through. Just like the regular Amazon Pay withdrawal funds process, expect it to take several business days.

8. The gift card should reflect the new balance.

Ideally, you should be able to log in to your Amazon account and see your new balance reflected on your gift card. This may not be the case — Amazon doesn’t want people to turn their gift cards into cash, so they may not allow you to transfer them that easily.

How to Withdraw Money from Amazon Gift Card (When Amazon Won't Let You)

You have a nice, fat gift card balance, but aren’t going to spend it on Amazon any time soon. Unfortunately, Amazon Pay generally won’t let you just transfer the balance, because they want to ensure that you spend that money on Amazon. That’s where you need to stop trying to figure out how to use Amazon Pay, and start getting creative.

Try a gift card exchange.

You might not have any use for a $1000 Amazon gift card, but someone else might. There are subreddits like r/giftcardexchange or r/GCtrading that allow you to trade gift cards with other users. You may be able to swap your Amazon gift card for a Visa gift card that works just like a credit card, or even have someone offer to buy your Amazon gift card for cash.

Flip an item.

You haven’t found anyone willing to trade gift cards with you, what can you do now? Your next best bet may be to simply flip something. This is where you use your gift card to purchase an item, then sell that item for cash through craigslist or eBay.

While this is a pretty good way to get actual cash-in-hand for your Amazon gift card, it can take a while. It’s also a bit chancy — you may not get the exact value that you paid for the item. You may turn a profit, but it’s also likely that you’ll be offered a bit less than the asking price. Nonetheless, if you don’t want to wait until you need something from Amazon in order to use up your gift card, this might be the way to go.

Getting paid through Amazon can be a challenge if you don’t know how to Amazon Pay withdraw funds. Even if you do, Amazon can sometimes make it difficult to access your payment or gift card balance. If you want to learn how to withdraw money from an Amazon gift card, it’s often easier to just try a card exchange, or buying and selling an item for cash. With these tips and tricks, you can turn any Amazon balance into actual money.

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