Create an ad account and add a payment method

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Create the ad account

1

Open Business Settings

Go to business.facebook.com/latest/settings (Meta Business Suite → Settings).

2

Accounts → Ad accounts → Add

Open the Accounts tab, choose Ad accounts, click the + Add dropdown and pick Create a new ad account.

3

Name, time zone, currency

Time zone and currency are permanent. Changing either later means closing the account and starting a new one — pick the ones your business actually reports in.

4

Choose the owner and agree to the terms

Select My business (your portfolio), tick the box agreeing to Meta’s Terms of Service and Advertising Standards, and click Create ad account.

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Add a payment method

1

Open Billing & payments

Go to business.facebook.com/latest/billing_hub. With multiple ad accounts, pick the account under Accounts first.

2

Payment methods → Add payment method

Cards and PayPal become automatic payments (billed after your ads deliver). Some local methods (Boleto, UPI, and similar) work as available funds — a balance you top up first.

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Good to know

• New portfolios can create only ONE ad account at first. The limit rises to 3 after your first campaign delivers and a payment goes through, then grows with spend. Check yours under Settings → Business info → Ad account creation limit.
• Closed accounts still count toward that limit, and an ad account can never leave its portfolio — don’t create throwaways.
• Non-discrimination certification: mainly for US advertisers, Meta prompts a one-time certification before ads are approved. If prompted, complete it at facebook.com/certification/nondiscrimination.
• New-account limits: brand-new accounts often face conservative spending behavior until Meta builds trust (delivered campaigns, successful payments). This fades with history — it’s normal, not a problem Bidder can bypass.

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Next step