Where the money goes
Every sale first lands in your Payment account. From there Etsy sends the available funds to your bank on your deposit schedule. You can pick daily, weekly, every two weeks or monthly under Shop Manager, Finances, Payment settings. New sellers start on weekly deposits, every Monday.
After Etsy sends a deposit it may take up to 3 to 5 business days to show up, depending on your bank. If nothing arrives after 5 business days, talk to your bank.
Minimums and the 42 TL fee
- In Turkey a deposit can go out once the amount is above 50 TL.
- Etsy lists a 42 TL deposit fee when the amount is under 600 TL. Above 600 TL there is no fee.
- The same help page also shows a 600 TL minimum for daily deposits, which doesn’t sit well next to the 50 TL figure. Check what your own Payment settings show.
The practical lesson is that many small deposits are expensive. If your orders are small, a weekly or monthly schedule usually costs less than daily.
Current, Pending and Total
Your Payment account shows three balances. Current is what has cleared and can be deposited, after refunds, shipping labels and fees. Pending isn’t yet eligible, for example sales still processing or funds in a reserve. Total is the two added together. Deposits are based on Current, so a high Total doesn’t mean the money is ready.
Reserves on new shops
Etsy may hold back a percentage of each new physical sale for sellers who are new or where it sees risk. The percentage and the holding period appear in your Payment account if a reserve applies. Etsy says funds can be released once tracking shows the order in transit, or after the default holding period. Support can’t remove a reserve.
What I see in practice is that new shops sometimes have a partial hold in the first month. Shops that start selling very fast may also be asked for extra identity verification. Plan your cash for materials and postage with that in mind, and reply to any Etsy request quickly, with details that match your documents.
Bank details and verification
- Changing your bank details triggers a 5-day hold on Payment account funds.
- Outside the US the bank account has to be verified. For shops opened after March 1, 2022, Etsy says to add the bank within 30 days of the first sale and verify within 60 days, or the shop may be suspended.
- Deposits are paid in the Payment account currency. If your bank account is in another currency, read the help page on how verification works.
A simple first step
- Open Payment settings and note your schedule, minimum and fee.
- Look at Current and Pending. Is any money in a reserve, and for how long?
- Check that your bank account is added and verified.
- Count the deposit fee and the currency conversion in your pricing. The fees guide shows where they come in.
If you want a second pair of eyes on your shop settings, they are part of the Etsy Consulting: Essential package.
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Rules, numbers and dates change often. This page reflects the sources below as checked on Nov 10, 2026. Confirm current figures with the official source before you act.