Somewhere in the world right now, there’s a student frantically revising for their exam. After procrastinating over the past few months, they now have 72 hours to learn an entire semester’s worth of content. What’s their plan? Binge-watch a series of crash course TikToks from a witty Indian tutor.

This scenario might sound dramatic, but it happens every day. Indian creators — tutors, dancers, comedians, chefs, fashionistas — are educating and entertaining global audiences through TikTok. The platform has become a powerful space for sharing creativity and making money. And while creators can earn through the TikTok Creator Fund, brand sponsorships, and live gifts, there's a catch: you usually need a UK or US bank account to get paid.

If you're a creator in India, Grey allows you to receive TikTok payments in USD, GBP, or EUR and convert them to INR seamlessly. Here’s everything you need to know.

Also read: How to receive payments from Toptal in India in 2025

How do Indian creators earn money on TikTok?

TikTok has expanded far beyond viral dances and lip-sync videos. It's now a viable income stream for Indian creators across niches. Here are the main ways they get paid:

• TikTok creator fund: This is TikTok’s in-house monetisation programme. Once you meet the eligibility requirements (age, follower count, engagement), you get paid based on the performance of your videos. It is based on views and interactions.
• Brand sponsorships: Companies, both local and international, often reach out to creators to promote their products or services. These deals are usually negotiated off the platform and paid out in USD or GBP.
• Live gifts & tips: During livestreams, fans can send virtual gifts that translate to real money. The more engaging your content, the more support you receive.
• Affiliate links & product sales: Some creators build thriving businesses by promoting their own products or affiliate links, using TikTok as a powerful funnel.

However, all these payment methods typically rely on international payout systems, and that's where the challenges begin.

Also read: Earn from TikTok in Nigeria without a UK bank account

Why can’t you use a regular Indian bank account for TikTok payments?

Here’s the reality: TikTok’s payment processors don’t support direct INR deposits for most monetisation channels. That means Indian creators must link a US, UK, or EU bank account to access their earnings. This comes with several issues:

• Limited access: Most Indians can’t open a traditional foreign bank account unless they’re physically present abroad, or go through a lengthy (and expensive) process.
• High fees: Some workaround services come with painful conversion charges or middlemen that eat into your earnings.
• Delays: International transfers through traditional banks can take days or even weeks to clear.
• Rejected payments: If account details don’t match exactly, payments might bounce and recovering them is often a bureaucratic nightmare.

So what’s the best alternative? Let’s talk about Grey.

How can you earn from TikTok in India without a UK bank account?

Grey is a digital banking platform that gives Indian creators free virtual accounts in USD, GBP, or EUR. This makes it easier to receive international payments like a local.

Here’s how it works:

• Open a free Grey account from India and access a virtual foreign bank account in minutes.
• Link your Grey USD or GBP account to TikTok or share it with brands for sponsorship payouts.
• Convert your earnings to INR inside the app at competitive rates.
• Withdraw your funds to your regular Indian bank account.

You don’t need to jump through hoops, use a VPN, or worry about rejected payments. With Grey, your TikTok income flows just like your content: smoothly.

Also read: How freelancers in India can invoice abroad clients easily

How to set up Grey and start getting paid from TikTok in India

Here’s a step-by-step guide to get started:

Create a Grey account

Visit grey.co or download the Grey app from the App Store or Play Store.

Verify your identity

Upload a valid Indian government-issued ID (like your PAN or Aadhaar card), proof of address, and a selfie for verification.

Open your USD or GBP account

Once verified, you can generate your virtual foreign bank account details instantly — including IBAN/SWIFT codes.

Link to TikTok or brand deals

Enter your Grey USD or GBP account details into the TikTok Creator Fund payout system or share them with brands for direct deposit.

Receive your earnings and convert to INR

When payments land in your Grey account, you can monitor exchange rates and convert your funds to INR with a few taps. Withdraw directly to your Indian bank account.

Why Grey is the best solution for Indian TikTok creators

Still on the fence? Here’s why thousands of remote workers, creators, and freelancers trust Grey:

• Multiple currencies, one account: Hold and manage USD, EUR, and GBP from one app.
• No hidden fees: Transparent pricing with excellent currency conversion rates.
• Fast transfers: Receive and withdraw your money quickly, without the delays of traditional banking.
• Built for global creators: Whether you’re monetising TikTok, YouTube, Upwork, or selling online, Grey works across platforms.

Also read: How to receive money from UK clients in India

Start earning from TikTok with Grey

As TikTok continues to empower creators globally, Indian talent is leading the charge by teaching, entertaining, and inspiring millions. But what’s the point of creating content that pays if the payment system doesn’t work for you?

You just need a phone, your creativity, and the right payment partner.

Create your Grey account now and start earning from TikTok.

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