Are you looking for the best bank to receive Google AdSense payments in India?

Then, this article is for you.

In this article, I discussed various banks and their pros and cons with respect to receiving AdSense payments.

Also, I mentioned various points to keep in mind while choosing a bank for AdSense.

This article is helpful if you have either an AdSense approved blog or YouTube channel or both.

So read on.

The best bank-

State Bank of India (SBI) is the best bank for receiving AdSense payments because it offers the best exchange rates.

The other pros of using this bank is that they offer many of their services either for free or for minimal charges.

For example, in 2020 SBI announced that SBI Savings Account holders need not pay charges for SMS service and non-maintenance of monthly average balance.

Also, they have the most number of ATMs in India.

Other good banks-

Other banks which are good for receiving AdSense payments are as follows-

  • HDFC Bank.
  • ICICI Bank.
  • Punjab National Bank (PNB).
  • UCO Bank.
  • Canara Bank.

Most important thing-

SWIFT code is must

SWIFT code is the most important thing to receive AdSense payments into your bank account.

You can avail the services of any bank provided it provides you with SWIFT code.

It is impossible to receive AdSense payments in a bank which doesn’t have SWIFT code.

There are some banks in India which do not provide SWIFT codes.

Some examples of these banks are Paytm Payments Bank, some cooperative and gramin banks, etc.

If you have an account in a small government bank, I would recommend you to not use it for receiving AdSense payments.

The main reason for this is that these small banks might merge with larger government banks and so, if you use these banks you have to edit the payment details in AdSense.

How to find SWIFT code?

You can find the SWIFT code of your bank by visiting the bank and enquiring there.

Alternatively, you can also search online.

What to do if your branch doesn’t have SWIFT code?

Not all bank branches have a SWIFT code.

In this case, you should contact the bank manager for SWIFT code and he will provide you with a SWIFT code of a nearby or head branch.

And you can use this SWIFT code to receive AdSense payments.

When will you receive payments into your bank account?

Generally, AdSense transfers the payment to your bank account on the 21st of every month.

And it takes approximately a week to reflect in your bank account.

Sometimes your payment might get delayed due to bank holidays.


SBI is the best bank for receiving AdSense payment in India.

Some other decent banks which you can use are HDFC Bank, ICICI Bank, PNB, Canara Bank and UCO Bank.

So, which bank are you going to use to receive AdSense payments?

Please tell me in the comment section below.

Also read-

How To Keep Your AdSense Account Safe?

Please appreciate my work by sharing this article.

Naveen Reddy

Hi, I am Naveen Reddy, the founder of Neat Blogging. I am a very passionate blogger and my motto is to simplify and redefine blogging and teach the right mindset required to become a successful blogger.


Vinit · June 29, 2021 at 7:27 PM

Sir , Which account for adsense Saving or current ?
And which saving – Self employed , salary , etc.

    Naveen Reddy · June 30, 2021 at 10:58 AM

    Hi Vinit, you can use your savings account to receive AdSense payments.

Viraj · August 18, 2021 at 10:35 AM

Hey Naveen, can we use a Rupay Classic Debit Card to receive payment from adsense?

    Naveen Reddy · August 18, 2021 at 1:12 PM

    Hi Viraj, I think receiving payments depends on your bank account not on your debit card.

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