The account campaigns live in — created inside your business portfolio
The ad account is where campaigns, budgets, and billing live. It must be created inside your business portfolio — Bidder can’t work with personal ad accounts.
Open the Accounts tab, choose Ad accounts, click the + Add dropdown and pick Create a new ad account.
Business Settings → Accounts → Ad accounts — 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.
The create dialog — name, time zone, and currency.
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.
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.
Billing & payments → Add payment method. The exact options vary by country; card and PayPal are the universal ones.
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.
