How to Transfer Money From Amazon Pay Balance to Bank Account (Step-by-Step Guide)

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

What Is Amazon Pay Balance?

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.

Types of Amazon Pay Balance

1) Gift Card Balance (Non-Transferable)

• 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• Cannot be withdrawn to a bank account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

2) Amazon Pay Wallet Balance (Transferable)

• 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

Difference Between Amazon Pay Wallet Balance and Gift Card Balance

When Is Amazon Pay Balance Transfer to Bank Allowed?

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

When Is Amazon Pay Balance Transfer NOT Allowed?

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.

Eligibility to Transfer Amazon Pay Balance to Bank

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.

1) KYC Requirement (Mandatory)

Completing Full KYC (Know Your Customer) is compulsory to withdraw Amazon Pay wallet balance to a bank account.

Why KYC is required

• Amazon Pay is a semi-closed wallet regulated under RBI norms
• KYC helps verify your identity and prevent fraud

What happens without KYC

• You can use balance only for shopping or bill payments
• Bank transfer option remains disabled

KYC details usually required

• Aadhaar (OTP or video verification)
• PAN (in some cases)
• Registered mobile number

Important: Only Amazon Pay Wallet Balance becomes transferable after successful KYC. Gift card balance remains non-transferable even after KYC.

2) Supported Bank Accounts

Amazon Pay allows transfer only to Indian bank accounts that support standard NEFT/IMPS transactions.

Key points

• Savings or current accounts are supported
• Cooperative and regional rural banks usually work
• Bank account must be active (not dormant or frozen)

Not supported

• International bank accounts
• Prepaid-only or invalid accounts
• Accounts with incorrect IFSC or name mismatch

Always double-check account number and IFSC while linking the bank.

3) Mobile Number Must Match Bank & Amazon Account

Your registered mobile number plays a critical role in verification.

Why this matters

• OTP verification is used during:
  • KYC
  • Bank account linking
  • Transfers
• Many banks verify accounts using the mobile number linked with Aadhaar or bank records

Common issues

• Amazon account number ≠ bank-registered number
• Old or inactive mobile number
• OTP not received or verification failure

Best practice: Use the same mobile number for:

• Amazon account
• Bank account
• Aadhaar (if used for KYC)

4) Minimum Balance Requirement

You must have a minimum transferable wallet balance to initiate a bank transfer.

Key points

• Very small amounts may not be eligible for transfer
• Amount must be within Amazon Pay’s wallet transfer limits
• Promotional or restricted credits may be excluded

If balance is below minimum

• Transfer option may be greyed out
• Transaction may fail after initiation

Ensure the balance is wallet balance, not gift card or promo credit.

Eligibility Checklist

You can transfer Amazon Pay balance to bank only if:

• Full KYC is completed
• Balance is Amazon Pay Wallet Balance
• Indian bank account is linked and verified
• Mobile number matches across records
• Balance meets minimum transfer requirement

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.

Transfer Money From Amazon Pay Balance to Bank Account (Step-by-Step)

Steps to Transfer Amazon Pay Balance to Bank Account

Amazon Pay Balance Transfer Limits

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.

1) Minimum Transfer Amount

• Amazon Pay usually allows bank transfers only above a small minimum amount
• Very low balances may not show the Transfer to Bank option
• Promotional or restricted credits may not count toward the minimum

If the transfer option is disabled, check whether your balance meets the minimum requirement and is wallet balance (not gift card balance).

2) Maximum Amount per Transaction

• There is a cap on how much you can transfer in a single transaction
• This helps prevent misuse and failed high-value transfers
• If you want to transfer a large amount, you may need to split it into multiple transactions

3) Daily and Monthly Transfer Limits

Amazon Pay also applies daily and monthly caps on wallet-to-bank transfers.

• Daily limit: Restricts how much you can transfer in one day
• Monthly limit: Restricts total transfers in a calendar month
• Once the limit is reached, further transfers are blocked until the limit resets

Limits reset automatically after the daily or monthly cycle ends.

4) Limits for KYC vs Non-KYC Users

Amazon Pay Balance to Bank Transfer Charges

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.

Is Amazon Pay Balance to Bank Transfer Free?

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.

Any Service Fee or GST?

• No service fee for regular Amazon Pay wallet withdrawals
• No GST is charged on standard balance-to-bank transfers
• The exact payable amount shown on the confirmation screen is what gets credited to your bank

If a fee ever applies, Amazon clearly shows it before you confirm the transaction.

Cases Where Charges May Apply

Although most transfers are free, charges may apply in specific situations, such as:

1. Special or Promotional Wallet Credits
   • Some cashback or promotional balances may have usage restrictions
   • These are often non-transferable or usable only for shopping
2. Third-Party or Partner-Linked Transfers
   • In rare cases, transfers routed via partner services may include processing fees
   • Any fee is shown upfront
3. Bank-Side Charges (Rare)
   • Some banks may levy charges for failed or reversed IMPS/NEFT transactions
   • This is bank-dependent, not Amazon Pay–imposed
4. Policy or Regulatory Changes
   • Charges can change based on RBI guidelines or internal Amazon Pay policy updates
   • Always check the in-app confirmation page

Points to Remember

• Only Amazon Pay Wallet Balance is eligible for bank transfer
• Gift Card Balance cannot be transferred, so charges don’t apply there
• Completing full KYC ensures access to free withdrawals
• Always review the final confirmation screen before proceeding

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.

How Long Does Amazon Pay Balance Transfer Take?

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.

Instant Transfer Cases

Amazon Pay balance transfer can be instant (within minutes) in the following situations:

• Your KYC is fully completed
• Bank account is already linked and verified
• Transfer is processed via IMPS
• Bank servers are working normally
• Transfer amount is within daily limits

In such cases, the amount usually reflects in your bank account within a few minutes.

Standard Processing Time (24–48 Hours)

If the transfer is not instant, it usually follows standard processing timelines:

• Most bank transfers are completed within 24 hours
• In rare cases, it may take up to 48 hours
• Delays can occur due to:
  • Bank holidays or weekends
  • Technical issues at bank or Amazon Pay’s end
  • High transaction volume

The transaction status will show “Processing” or “Pending” in Amazon Pay history during this time.

What to Do If Money Is Not Credited

If your Amazon Pay balance is deducted but not credited to your bank, follow these steps:

1. Check Transaction Status
   • Open Amazon Pay → Transaction History
   • Look for Processing, Pending, Completed, or Failed
2. Wait for 48 Hours
   • Most pending transfers auto-complete or reverse within this time
3. Check Bank Statement
   • Sometimes the amount reflects late but shows the same date
4. Contact Amazon Pay Support
   • Use in-app help → Amazon Pay → Bank Transfer issue
   • Keep transaction ID ready
5. Automatic Refund (If Failed)
   • If transfer fails, the amount is usually refunded to Amazon Pay balance

Things to Remember

• Weekends and bank holidays may cause delays
• Incorrect bank details can result in failure or reversal
• Always rely on transaction ID, not SMS delay alone
• Instant transfers happen within minutes in ideal conditions
• Standard transfers may take 24–48 hours
• If money is not credited, check status, wait 48 hours, and contact support if needed

Common Problems & Solutions (Amazon Pay Balance to Bank)

Below are the most common issues users face while transferring Amazon Pay balance to a bank account, along with clear, practical solutions.

1) “Transfer to Bank” Option Not Visible

Why it happens

• KYC is not completed
• Balance is Gift Card balance, not wallet balance
• Bank account not linked

Solution

• Complete full KYC in Amazon Pay
• Check that the balance is Amazon Pay Wallet Balance
• Link and verify your bank account

2) KYC Verification Failed or Pending

Why it happens

• Aadhaar/PAN details mismatch
• OTP not verified properly
• Video KYC incomplete

Solution

• Recheck name, DOB, and ID details
• Retry OTP or video KYC
• Ensure mobile number matches Aadhaar/bank records

3) Bank Account Linking Issues

Why it happens

• Incorrect account number or IFSC
• Bank account is inactive/dormant
• OTP verification failed

Solution

• Re-enter correct bank details
• Use an active savings/current account
• Retry linking using a stable network

4) Amount Deducted but Not Credited

Why it happens

• Bank-side delay
• Temporary technical issue
• Transfer under processing

Solution

• Check transaction status in Amazon Pay history
• Wait up to 48 hours
• If failed, amount is usually auto-refunded
• Contact Amazon Pay support with transaction ID

5) Transaction Pending or Failed

Why it happens

• Bank server downtime
• Exceeded daily/monthly limits
• Network interruption

Solution

• Wait for status update (up to 48 hours)
• Check transfer limits
• Retry transfer after some time

Amazon Pay Balance vs Amazon Gift Card Balance

Understanding the difference between these two balances is crucial, because only one can be transferred to a bank account.

Which Balance Can Be Transferred to Bank?

• Only Amazon Pay Wallet Balance
• Amazon Gift Card Balance cannot be transferred under any condition

Best Use Cases for Each

• Amazon Pay Wallet Balance
  • When you want cash in your bank account
  • Paying bills, recharges, or UPI-style payments
  • Using cashback or refunds flexibly
• Amazon Gift Card Balance
  • Amazon shopping and subscriptions
  • Gifting someone Amazon credit
  • Offers and promotional use

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.

Safety Tips While Transferring Amazon Pay Balance

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.

Never Share OTP or UPI PIN

Your OTP and UPI PIN are strictly confidential and are required only within the official Amazon app during verification.

• Amazon never calls, messages, or emails asking for OTP or PIN
• Sharing OTP or PIN can allow unauthorized access to your account
• If someone asks for it, assume it is a scam and stop immediately

Always enter OTP or PIN only inside the Amazon app on your own device.

Double-Check Bank Details

Incorrect bank details are one of the most common reasons for failed or misdirected transfers.

• Carefully verify bank account number and IFSC code
• Ensure the account holder name matches your bank records
• Avoid copy-paste errors while entering details

A few seconds of verification can save you from long delays or failed transfers.

Use Only the Official Amazon App

Always transfer money using the official Amazon mobile app or website.

• Avoid third-party apps or unofficial links claiming faster transfers
• Download the app only from trusted sources like Google Play Store or Apple App Store
• Keep your app updated to the latest version for security patches

Using unofficial sources increases the risk of data theft and fraud.

Avoid Public Wi-Fi During Transactions

Public Wi-Fi networks are often unsecured and can expose your data.

• Avoid transferring money using public Wi-Fi in cafes, airports, or railway stations
• Use a secure private mobile network or trusted home Wi-Fi
• If necessary, wait until you have a stable and secure connection

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.