Before you start
Open the Morse app and tap 'USD account details'. You'll need your routing number and account number for the steps below.
Set up your payout method in DistroKid
DistroKid processes payouts through Tipalti, a separate payment portal. You'll set up your bank details there.
Log in to DistroKid.
Tap your profile icon (top right) > 'Payout Method' — or go to distrokid.com/payouts. This opens the Tipalti portal.
Your password is the same as your DistroKid password.
If this is your first time, Tipalti asks for your contact information and a tax form. Non-US residents typically complete a W-8BEN (individuals) or W-8BEN-E (companies/labels). The portal walks you through the correct form based on your tax residency.
Under 'Payment Method,' select 'ACH' (US bank transfer).
Paste your Morse routing number and account number. Set the bank country to United States and account type to 'Checking.'
Make sure the account holder name matches your DistroKid profile exactly. A mismatch can cause a rejected withdrawal, which may incur a fee from Tipalti.
Save and confirm. Tipalti may take 1–2 days to verify the account.
Withdraw your royalties
Go to distrokid.com/bank and tap 'Withdraw Earnings.' The minimum withdrawal is 6 USD.
DistroKid processes withdrawal requests twice per week. This is separate from when royalties appear in your account — streaming services report earnings to DistroKid every 1–2 months, typically with a 2–3 month delay from the month your music was streamed.
Fees, limits, and transfer times
Tipalti charges $1.12 per ACH transfer, deducted from your withdrawal.
Morse charges a 0.1% fee for international deposits to USD Account Details (free if you live in the United States). See Account Details fees and limits for the full breakdown.
Example: If you live outside the US and withdraw 200 USD from DistroKid, you'd pay:
Tipalti ACH fee: 1.12 USD
Morse 0.1% fee: 0.20 USD
You receive: 198.68 USD
The full process — from withdrawal request to deposit — takes up to 14 days in some cases, though ACH transfers often arrive sooner. ACH doesn't run on weekends or US federal holidays.
Track yours on the DistroKid Bank page at distrokid.com/bank, or check the Morse app.