Business

How to change bank account on Stripe: Easy guide

Panna Kemenes

19.06.26 (last updated)

Read time 1 minute

Changing your registered bank account on Stripe is easy when you follow these steps.

Step by step guide on changing bank accounts on Stripe

The option to change or add bank accounts on Stripe can be found on the main dashboard/home page.

On the left-hand side menu, click on ‘Settings’
Then click on Bank accounts and currencies in your Payout settings..
Click on the ‘edit’ button next to the currently linked bank.
Provide new bank account information and click 'edit' to confirm. For payouts to a local bank account held in the U.S., Stripe usually asks for your ACH routing number which is the 9 digit number below your cheque.
Click on the link sent to your registered email address to confirm the change.
You might be asked to log in again and go through the 2-factor authentication but you're all set after that!

Choosing the right account to link with Stripe

Stripe generates separate balances for each currency that your customers paid in.¹ When those balances are paid out to your registered bank account (or debit card), Stripe sends them to the bank account that has the same currency.

However, if there is no registered account in the same currency, Stripe will automatically convert your money to match the currency of your registered account.¹ Where currency conversion is required, this will incur a 1% conversion fee.²

The solution to this is to register several accounts in different currencies to reduce the fee. However, banks are not usually the best option. They often only support one local currency and charge a conversion fee on top of a receiving fee.

Location and currency of your account

The type of bank account information required depends on where your bank account is located. In most cases, bank accounts must be located in the country where their settlement currency is based (e.g., USD bank accounts must be based in the US).

However, US-based Stripe accounts can also settle and pay out in the following non-local currencies, subject to a 1% conversion fee:³

CAD — to bank accounts registered in Canada
GBP — to bank accounts registered in any of the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, or the United Kingdom
EUR — to bank accounts registered in any of the countries listed above
To avoid currency conversion fees altogether, you can enable multi-currency settlement and add a separate bank account for each currency you wish to receive payouts in. Stripe will then direct each currency balance to its matching bank account automatically.

Sources:

Stripe support page
Stripe price page
Stripe Docs page

All sources checked June 19, 2026.

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