What to do if your bank rejects or blocks your OnlyFans payments

Where did your money get stuck? The three cases

Before you call anyone, check three things: the status of the withdrawal on OnlyFans, its notifications and your bank transactions. You’ll be in one of these three cases: the first is solved with OnlyFans; the other two, with your bank.

Why won’t OnlyFans let you withdraw, or why is it holding your earnings?

If the withdrawal doesn’t even go out, the problem is inside OnlyFans. Its terms of use (August 2024) list these causes:

• Incomplete payout details: to get paid, you need to add a bank account or a payment method and choose how you want to be paid. Also check that there are no mistakes.
• Pending verification: OnlyFans can ask you for more identity information at any time, plus extra information depending on your country or nationality. If it was rejected, see what to do if your verification is rejected.
• Taxes: if you don’t meet your tax obligations, it can restrict your withdrawals.
• Balance below the minimum withdrawal amount.
• Review: if it suspects a serious or repeated breach of its rules, or fraud by you or by the subscriber, it can hold your earnings without notice while it looks into it.
• Garnishment: it can hold your earnings until the order is lifted.
• Content with another person: if the paperwork for the person appearing with you is missing, it can also hold them.

The bank returns the OnlyFans transfer: what to check

If the withdrawal goes out but the bank rejects it, don’t just try again blindly. If you’re unsure how the money reaches you, go over how getting paid on OnlyFans works. Then follow these steps:

1. 1

   Ask for the reason in writing

   Ask the bank why it rejected the transfer and keep its answer.

2. 2

   Compare your details

   The account holder name and the account you entered on OnlyFans must match your bank’s details exactly.

3. 3

   Ask about its policy

   A bank can reject transactions because of its business policy or to prevent money laundering. If it doesn’t accept this kind of income, ask it to confirm that in writing.

4. 4

   Factor in the currency exchange

   OnlyFans pays in US dollars: your bank may charge you exchange fees, which OnlyFans doesn’t cover.

Why does the bank freeze your account after an OnlyFans payment?

If the money arrives but then the bank restricts the account or asks you for documents, one possible reason in Spain is the anti-money laundering law (Law 10/2010, Ley de prevención del blanqueo de capitales). It requires the bank to:

• Know your professional activity and verify it with documents (Art. 5).
• Check that your transactions match your profile, including the source of funds (Art. 6).
• Review a customer again when their circumstances change (Art. 7.2), which could include starting to get paid by a foreign platform.

What documents does the bank ask for to verify OnlyFans income?

There’s no fixed list. According to the Bank of Spain, your bank can ask for your income tax return or any document that helps it understand your activity and the source of your funds; if you don’t provide it, it can freeze the account. Have this ready:

• Your ID.
• The earnings and withdrawal history from your OnlyFans account.
• Your income tax return or your registration with Spain’s tax agency (Agencia Tributaria), if it applies to you (outside Spain, your country’s tax document).
• A short, truthful explanation of your activity: what you do, where, since when.

Can a bank close your account for getting paid by OnlyFans?

Yes. In Spain, if the contract allows it, the bank can close an open-ended account with at least two months’ notice (Royal Decree-Law, or Real Decreto-ley, 19/2018 on payment services, Art. 32.4). If it can’t carry out the anti-money laundering checks, it has to end the relationship (Law 10/2010, Art. 7.3).

In the UK, for accounts opened on or after April 28, 2026, banks must give at least 90 days’ notice with detailed reasons, except in cases such as suspected fraud. For older accounts, it’s two months, with no obligation to explain why.

Download your statements before the account closes: they’ll help you show your income at another bank. If you legally reside in the European Union, in Spain you can request a basic payment account (Royal Decree-Law 19/2017 on basic payment accounts, Art. 3), with its limits:

• They can refuse it if you don’t provide the anti-money laundering information they ask for, or if you already have another account in Spain, unless your bank has told you it’s closing it (Art. 4).
• Unless anti-money laundering law prevents it, they must tell you about the refusal in writing, free of charge, with their reasons, within ten business days at most (Art. 5).
• If you don’t provide the anti-money laundering documents, they can close it immediately (Arts. 6 and 7).

Where can you complain if your bank freezes or closes your account?

Always complain in writing and keep a copy. In Spain there are two steps with fixed deadlines; below you’ll find the official body for each country where we work. In most of them, you need to have complained to your bank first.

Official websites to file a complaint: CONDUSEF (Mexico), Superintendencia Financiera (Colombia), Superintendencia de Bancos (Ecuador), CFPB (US), Financial Ombudsman Service (UK) and OBSI (Canada).

1. 1

   Your bank’s customer service department

   You have to start here or with its customer ombudsman (defensor del cliente). For accounts or transfers, it has 15 business days to respond; for other matters, one month.

2. 2

   Bank of Spain

   If it doesn’t respond or you’re not satisfied, file a complaint online or by mail, with proof of your complaint to the bank. You have one year from that complaint.

What not to do while it gets sorted out

When you’re in a rush, it’s easy to make things worse. Avoid the following:

• Getting paid into someone else’s account.
• Hiding or dressing up what you do when the bank asks.
• Splitting payments or looking for “tricks” to get around the checks.
• Repeating the same withdrawal over and over without knowing why it failed.
• Arguing on the phone without putting anything in writing.
• Missing deadlines: six months to appeal on OnlyFans, one year to go to the Bank of Spain.

What our team does for you

Our team doesn’t deal with your bank or file your taxes. Here’s what it does do on Luzara Talent’s Full Management plan:

• Tax information and recommendations adapted to your case. You file your taxes yourself, with your own advisor if you want.
• 24/7 support for your questions about how we manage your account.
• Chat handled 24/7 by professional chatters, within the limits you set in writing.
• Promotion from agency accounts with our phone farm of more than 100 phones, on Instagram, TikTok, Threads and X (on the first three, content suitable for all audiences). Behind every account there’s a real person from our team.
• A weekly content guide and professional editing.