How to Get Google AdSense Money in Ukraine: Cashing a Cheque via Privat24 and Wire Transfer to a Card
Got a cheque from Google with your hard-earned dollars? The first question is where and how to cash a Google cheque. If you live in Ukraine, I can suggest a quick and convenient way: you can exchange a Google cheque for money at PrivatBank!
Everything is done through the Privat24 online bank: you scan the cheque, upload it, mail the original, and the money arrives on your card. Below is a step-by-step guide, and at the end – how to get AdSense money today with no cheques at all.
How to cash a Google cheque via Privat24
You’ll need access to Privat24 and, accordingly, a PrivatBank card or account.
- Log in to Privat24 and go to the “Services” → “Google cheques” menu.
- Scan both sides of the cheque, following the system’s rules. File requirements: GIF, JPEG, JPG or TIFF, at least 72 dots per inch, at least 1024 pixels wide, up to 10 MB. A normal-quality JPG scan takes about 500 KB.
- Upload the front and back of the cheque.
- And most importantly – choose the card (or account) you want the money to go to!
- Mail the original cheque (registered mail is better) to the address the system gives you. I won’t write it here, in case it changes over time.
- Wait for the cheque to be confirmed as valid and receive your money.
The fee is small: just 3% for up to $1,000 (minimum 20 UAH, about $2.50). The bank says it takes from 3 days after the original arrives by mail. The scan isn’t there for nothing: the cheque starts being checked before the original reaches the bank, so it’s faster than if the letter first had to reach the head office and only then went into processing.
Cashing through ePayService
Added August 7, 2013: if you need to cash a cheque into WebMoney, ePayService is now the better deal.
Added March 19, 2014: from April 2, 2014, ePayService makes cashing Google AdSense cheques easier with its iCheck service: you no longer have to send the original cheque to the company’s office.
All you need is to scan the cheque correctly (right side up, with the endorsement and signature) and upload the scan to your account – the money is there in about 3 days. The limit for a single iCheck cheque has also been raised to $20,000.
According to one reader’s experience, iCheck is the fast option with a 3.75% fee, while regular cashing is cheaper, about 2.5%, but takes longer. Before the first payout the service verifies your passport once, and then you can withdraw the money, for example, to a WebMoney dollar wallet.
As of November 2026: AdSense money without a cheque
Google can still send a US-dollar cheque to Ukraine (although euro cheques are no longer issued since August 7, 2026). But there’s no reason to wait for paper in the mail any more: it’s easier to choose wire transfer, and the money will arrive on a US-dollar card by itself. PrivatBank describes this method on its website.
1. Get your card details in Privat24. You need a PrivatBank US-dollar card.
- In the web version: “Всі послуги” (All services) → “Послуги” (Services) → “Сервіс довідок” (Certificates service) → “Реквізити” (Account details), choose the card, the SWIFT top-up option, and click “Отримати реквізити” (Get details).
- In the app: “Гаманець” (Wallet) → your card → “Реквізити картки” (Card details) → top-up method “SWIFT-платежем” (by SWIFT payment).
2. Add the payment method in AdSense. In your AdSense account, go to Payments → Payments info → Manage payment methods → Add payment method. The bank recommends filling in only four fields:
- your name exactly as it appears on the card;
- the bank name;
- the SWIFT code;
- the account IBAN.
The other fields can be left empty.
3. Wait for the payout. Google pays once a month if your balance has reached at least $100. The month’s earnings are finalized on the 3rd, and the transfer is sent between the 21st and the 26th. According to Google, a wire transfer can take up to 15 business days, while PrivatBank credits the money to the card as soon as the payment arrives. The bank says there are no correspondent-bank fees when funds go to a PrivatBank card.
Summary
If a cheque has already arrived, first check with PrivatBank how to cash it today: the guide above describes how it worked in Privat24, and bank services change over time. The same goes for ePayService – I have no up-to-date information on whether it still handles cheques. If you’re only setting up payouts, choose wire transfer to a US-dollar card: no letters, no scans and no cheque-cashing fee.