TikTok and Visa have unveiled a new debit card for content creators in the United Kingdom, designed to provide quicker access to earnings generated through the platform. The initiative aims to alleviate cashflow challenges faced by users who often experience delays of days or weeks before payments are fully processed.
Addressing Payment Delays
The creator card is specifically tailored for individuals monetizing their content via TikTok Live, a livestreaming feature where viewers can send virtual gifts that are subsequently converted into cash. By linking directly to a user's creator account, the card seeks to streamline the payout process and reduce waiting times.
TikTok reported that over 15 million people in Europe used its platform for live broadcasting in 2025. During these sessions, viewers engage by sending comments or virtual gifts such as roses, which are converted into "diamonds" and eventually into real money. However, creators have historically faced delays of up to a month for these funds to reach their personal bank accounts.
Research Highlights Financial Struggles
Research commissioned by Visa indicates that 49% of creators have encountered late or inconsistent payments, impacting their ability to manage their businesses. Additionally, 41% have declined work due to cashflow problems. Many creators also seek to separate personal and business finances, a need the new card addresses.
The debit card is a virtual card that can also be used for other earnings, including brand partnerships. Creators can make payments through digital wallets and access the linked account via the TikTok app. However, it is important to note that this account does not function as a business bank account.
Availability and Features
There is no sign-up fee for the card, which is available to users aged 18 and over. Applicants must apply through the TikTok app. The launch reflects broader efforts by platforms such as YouTube, Twitch, and Patreon to formalize creator payments and build infrastructure around the creator economy. Visa estimates that this economy comprises 200 million people globally and could be worth $500 billion (£370 billion) by 2027.
TikTok Live has become a significant income source for many creators, blurring the line between entertainment and shopping. Viewers can purchase TikTok coins in-app and send them as virtual gifts during broadcasts, further driving engagement and revenue.
