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Knowing how to transfer Amazon Pay Balance to Bank Account is important for users who want to use wallet funds beyond shopping on Amazon. With a completed KYC, customers can move their Amazon Pay balance to bank account instantly through the Amazon app. This allows refunds, cashback, or gift card credits to be transferred without any extra charges.
In this blog, we explain how to transfer money from Amazon Pay balance to bank account step by step, who is eligible, what charges and limits apply, how long the transfer takes, and how to fix common issues so you can withdraw your Amazon Pay balance safely and without confusion.
Key Highlights:
- KYC verification is mandatory for bank transfers
- Process is free of cost and takes only a few steps
- Money is credited instantly after confirmation
Amazon Pay Balance is the money available in your Amazon Pay account that you can use for shopping on Amazon, paying bills, recharges, and in some cases, transferring money to your bank account. This balance can come from different sources like refunds, cashback, wallet top-ups, or gift cards.
However, not all Amazon Pay balances are transferable to a bank account. Amazon Pay clearly divides the balance into two main types.
Added when you receive or purchase Amazon gift cards
Can also come from promotional gift vouchers
Cannot be withdrawn to a bank account
Can only be used for:
Shopping on Amazon
Paying for select services on Amazon
Comes from:
Cashback rewards
Refunds to Amazon Pay
Money added directly to Amazon Pay wallet
Can be transferred to a linked bank account
Requires full KYC verification
| Feature | Amazon Pay Wallet Balance | Gift Card Balance |
|---|---|---|
| Transfer to Bank | Allowed | Not Allowed |
| KYC Required | Yes (Mandatory) | No |
| Source of Balance | Cashback, refunds, wallet top-ups | Gift cards & promo vouchers |
| Usage | Shopping, bills, transfers | Shopping & services only |
| Expiry | Usually no expiry | May have expiry date |
Amazon Pay allows bank transfer only in these cases:
The balance is Amazon Pay Wallet Balance
Your KYC is fully completed
A valid Indian bank account is linked
The transfer amount is within allowed limits
Bank transfer is not allowed when:
The balance is Gift Card Balance
KYC is not completed or pending
Bank account is not linked or verification failed
Balance comes from restricted promotional credits
Transfer limits are exceeded
If you want to withdraw money to your bank, always check which type of Amazon Pay balance you have. Only Amazon Pay Wallet Balance with completed KYC can be transferred gift card balance cannot be withdrawn under any condition.
Before you can transfer money from Amazon Pay balance to your bank account, you must meet certain eligibility conditions set by Amazon and RBI wallet guidelines. If even one condition is not fulfilled, the “Transfer to Bank” option may not appear.
Completing Full KYC (Know Your Customer) is compulsory to withdraw Amazon Pay wallet balance to a bank account.
Why KYC is required
What happens without KYC
KYC details usually required
Important: Only Amazon Pay Wallet Balance becomes transferable after successful KYC. Gift card balance remains non-transferable even after KYC.
Amazon Pay allows transfer only to Indian bank accounts that support standard NEFT/IMPS transactions.
Key points
Not supported
Always double-check account number and IFSC while linking the bank.
Your registered mobile number plays a critical role in verification.
Why this matters
Common issues
Best practice: Use the same mobile number for:
You must have a minimum transferable wallet balance to initiate a bank transfer.
Key points
If balance is below minimum
Ensure the balance is wallet balance, not gift card or promo credit.
You can transfer Amazon Pay balance to bank only if:
If your KYC is complete, bank account is correctly linked, and the balance is wallet balance, transferring Amazon Pay balance to your bank is smooth and hassle-free. Most issues arise due to incomplete KYC or mobile number mismatch, so fixing these first saves time and frustration.
| Step | Action | What to Do |
|---|---|---|
| Step 1 | Open the Amazon App | Login using your registered mobile number and OTP. |
| Step 2 | Go to Amazon Pay Section | Tap on Amazon Pay from the home screen or menu. |
| Step 3 | Open Amazon Pay Balance | Select the Wallet / Balance option to view available balance. |
| Step 4 | Complete KYC (If Not Done) | Complete Aadhaar or PAN verification using OTP or video KYC. |
| Step 5 | Link Your Bank Account | Enter bank account number, IFSC, and verify via OTP. |
| Step 6 | Choose “Transfer to Bank” | Enter the amount to transfer and confirm the transaction. |
| Step 7 | Check Transfer Status | View instant or processing status in transaction history. |
| Step | Action | Explanation |
|---|---|---|
| Step 1 | Open the Amazon App | Launch the Amazon app on your phone and log in using your registered mobile number. |
| Step 2 | Go to “Send Money” | From the Quick Links section, select the Send Money option. |
| Step 3 | Choose Bank Transfer | Tap on the Bank Transfer option in the Send Money interface. |
| Step 4 | Enter Bank Details | Fill in basic details such as your name, bank account number, and IFSC code, then tap Pay Now. |
| Step 5 | Enter Transfer Amount | Specify the amount you want to transfer from your Amazon Pay balance. |
| Step 6 | Select Amazon Pay Balance | On the payment method page, tap Show more ways → select Pay using Amazon Pay balance → click Continue. |
Before transferring money from your Amazon Pay balance to a bank account, it’s important to understand the minimum amount, maximum limits, and KYC-based restrictions. These limits are set as per RBI wallet guidelines and Amazon Pay policies.
| Limit Type | Details |
|---|---|
| Minimum transfer amount | Usually starts from a small amount (₹1 or ₹10 depending on account and bank). |
| Maximum per transaction | Limited to a fixed cap per transfer to prevent large one-time withdrawals. |
| Daily transfer limit | Applies to the total amount transferred in one day. |
| Monthly transfer limit | Capped to comply with wallet regulations. |
If the transfer option is disabled, check whether your balance meets the minimum requirement and is wallet balance (not gift card balance).
Amazon Pay also applies daily and monthly caps on wallet-to-bank transfers.
Limits reset automatically after the daily or monthly cycle ends.
| User Type | Minimum Transfer | Maximum per Transaction | Daily Limit | Monthly Limit |
|---|---|---|---|---|
| Non-KYC User | Not applicable | Transfer not allowed | Transfer not allowed | Transfer not allowed |
| Full KYC User | Low minimum (₹1 / ₹10) | Up to wallet transfer cap | Subject to daily limit | Subject to monthly wallet limit |
When users withdraw money from Amazon Pay Wallet Balance to a bank account, one of the most common questions is whether any charges or GST apply. Here’s a clear, up-to-date explanation.
Yes Amazon Pay generally allows free transfer of wallet balance to a bank account for users who have completed full KYC.
There is no standard withdrawal fee charged by Amazon for normal transfers.
If a fee ever applies, Amazon clearly shows it before you confirm the transaction.
Although most transfers are free, charges may apply in specific situations, such as:
For most users, Amazon Pay balance to bank transfer is completely free, with no service fee and no GST. Charges apply only in limited, clearly disclosed cases, making Amazon Pay one of the most cost-effective wallet withdrawal options.
The time taken to transfer Amazon Pay Wallet Balance to a bank account depends on factors like the bank, transfer mode, and transaction status. In most cases, the transfer is quick, but sometimes it may take longer.
Amazon Pay balance transfer can be instant (within minutes) in the following situations:
In such cases, the amount usually reflects in your bank account within a few minutes.
If the transfer is not instant, it usually follows standard processing timelines:
The transaction status will show “Processing” or “Pending” in Amazon Pay history during this time.
If your Amazon Pay balance is deducted but not credited to your bank, follow these steps:
Below are the most common issues users face while transferring Amazon Pay balance to a bank account, along with clear, practical solutions.
Why it happens
Solution
Why it happens
Solution
Why it happens
Solution
Why it happens
Solution
Why it happens
Solution
Understanding the difference between these two balances is crucial, because only one can be transferred to a bank account.
| Feature | Amazon Pay Wallet Balance | Amazon Gift Card Balance |
|---|---|---|
| Transfer to Bank | Yes | No |
| KYC Required | Mandatory | Not required |
| Source | Cashback, refunds, wallet top-up | Gift cards & promo vouchers |
| Usage | Shopping, bills, bank transfer | Shopping & services only |
| Expiry | Usually no expiry | May have expiry date |
Most transfer problems happen due to incomplete KYC or confusion between wallet balance and gift card balance. Once KYC is done and the correct balance is used, Amazon Pay balance to bank transfer works smoothly.
Transferring money from Amazon Pay balance to a bank account is generally safe, but small mistakes can lead to fraud, failed transactions, or loss of money. Following the safety tips below helps ensure your transfer is secure and trouble-free.
Your OTP and UPI PIN are strictly confidential and are required only within the official Amazon app during verification.
Always enter OTP or PIN only inside the Amazon app on your own device.
Incorrect bank details are one of the most common reasons for failed or misdirected transfers.
A few seconds of verification can save you from long delays or failed transfers.
Always transfer money using the official Amazon mobile app or website.
Using unofficial sources increases the risk of data theft and fraud.
Public Wi-Fi networks are often unsecured and can expose your data.
A secure network ensures your personal and financial information stays protected.
Safe Amazon Pay balance transfer depends largely on your own precautions. Never share OTP or PIN, double-check bank details, use only the official app, and avoid public Wi-Fi. Following these simple steps ensures your money reaches the bank securely and without issues.
It is possible to transfer funds from your Amazon payments account to your bank account. Simply make a transfer to your bank account or a purchase of an Amazon.com Gift Certificate. However, before the transfer, you must complete the bank account verification process.
While there isn’t a precise eligibility requirement, to use this feature, one must finish their Amazon KYC verification. A contact number and proof of government identification (passport, Aadhaar, driver’s license, or voter ID) are needed to finish the Amazon KYC verification process.
The maximum monthly amount you can transfer from your Amazon Pay balance to a bank account is Rs. 1,00,000.
Aside from the time needed to enter information such as your bank account number and IFSC code, moving your Amazon Pay balance to a bank account is easy and takes only a minute or two.
A transaction can fail for several reasons. The problem can be fixed by getting in touch with Amazon’s customer service or the customer service of the relevant bank.
You can use your Amazon Pay balance (Money) in any online or physical store that takes UPI payments after generating an Amazon Pay balance UPI handle.
Using Amazon Pay gives you peace of mind if you have an Amazon account. Whenever you see it, you may make use of its advantages without paying more.
When you check out, your Gift Card balance will be transferred instantly to eligible orders. You can opt not to use your Gift Card as a payment method at checkout if you want to keep the amount for a later time.
A digital wallet named Amazon Wallet, frequently referred to as Amazon Pay Balance, permits users to make purchases on Amazon as well as other websites and applications.
Transferring money from Amazon Pay Balance to a bank account is a convenient and secure option when you understand how it works. Once your KYC is completed, the correct wallet balance is available, and your bank account is properly linked, the transfer process becomes smooth and usually free of charge.
The key is to remember that only Amazon Pay Wallet Balance is transferable, while Gift Card Balance is meant strictly for shopping and services. By following the step-by-step process, keeping an eye on transfer limits, and applying basic safety precautions like protecting your OTP and verifying bank details, you can avoid most common issues.