> ## Documentation Index
> Fetch the complete documentation index at: https://help.omnivoo.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Omnivoo is an India-first Employer of Record (EOR) platform. EOR hiring is India only; contractors are supported in 220+ countries and territories.
> Never tell a user to log in with a password. Authentication is passwordless: email OTP, passkeys, Google, or SSO.
> Statutory figures (TDS slabs, PF, ESI, Professional Tax, gratuity) change by financial year. Always state the year the figure applies to.
> Never name a third-party payment provider as Omnivoo’s payment rail. Refer to "our payments partner".

# Your Wallet and Withdrawing Funds

> For wallet-rail contractors, see how your balance appears on the dashboard and how to withdraw funds to your bank account.

Some contractors receive pay into a **wallet** rather than as an automatic bank transfer. If that's how your payouts are set up, your contractor dashboard shows a **Wallet** card. Money you're paid lands there as a balance you withdraw to your own bank account when you're ready.

<Note>
  The Wallet card only appears for contractors set up on this payout method. If you don't see it, your payouts are sent to your account automatically instead, so see [Getting Paid: Contractor Payouts](/contractors/getting-paid-payouts).
</Note>

## Adding a payout account first

If you haven't saved a payout bank account yet, the Wallet card shows an **add-bank-account form** before any balance. Add the account where you'd like to get paid, and save it. You need a saved payout account before you can withdraw. For the full form, see [Payout methods and withdrawing from your wallet](/contractors/payout-methods-and-withdrawals).

## Your balances

Once a payout account is saved, the Wallet card shows a separate balance for each currency you hold:

* **`{Currency}` available:** the amount you can withdraw right now.
* **`{amount}` processing:** shown only when some funds are still settling and aren't available yet.

Three things follow from that:

* **Balances are never added together.** A EUR balance and a USD balance are two separate amounts. There is no combined total, because there is no single figure that could be honest about two currencies.
* **You withdraw each balance on its own.** Each has its own withdrawal control, its own fee, and its own exchange rate.
* **One bank account serves all of them.** You save a single payout account, and every currency balance is withdrawn to it. You do not need a EUR account to receive a EUR balance. When your balance currency and your account's currency differ, the withdrawal is converted and the review screen shows the rate.

## Withdrawing funds

Each currency balance has its own withdrawal control. Withdraw one balance at a time:

<Steps>
  <Step title="Enter an amount">
    In the **Amount (`{currency}`)** field, enter how much to withdraw. It defaults to your full available balance. The amount must be greater than 0 and cannot be more than what's available. If you enter too much, you see "Amount exceeds available balance." and the **Review** button stays off.
  </Step>

  <Step title="Click Review">
    Click **Review** to see a preview before anything moves.
  </Step>

  <Step title="Confirm the withdrawal">
    On the review screen, check the details, then click **Confirm withdrawal**. To change the amount, click **Edit** to go back.
  </Step>
</Steps>

When the withdrawal goes through, you see a short "Withdrawal" confirmation with its status, and the wallet refreshes to show your updated balance.

### What the review shows

The review screen lays out exactly what will happen before you commit:

| Line           | What it means                                                         |
| -------------- | --------------------------------------------------------------------- |
| You withdraw   | The amount leaving your wallet, in your wallet's currency.            |
| Withdrawal fee | The fee for the withdrawal, charged in your wallet's currency.        |
| Exchange rate  | Shown only when your wallet currency and your payout currency differ. |
| They receive   | The amount your payout account receives.                              |

For a same-currency withdrawal there's no exchange-rate line. For a cross-currency withdrawal, the exchange rate is shown and the amount your account receives is the converted value. The review moves no money, and nothing happens until you click **Confirm withdrawal**.

### Messages you may see

If a withdrawal can't be priced, it stops and shows a message instead of going ahead on a guessed rate. The message appears next to the **Review** button, in the same place as "Amount exceeds available balance."

| Message                                                                         | What it means                                                                                  | What to do                                                                                                                                      |
| ------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------- |
| Could not read your bank account details, please try again                      | Your saved payout account couldn't be read just now.                                           | Try again in a moment. If it keeps happening, contact support.                                                                                  |
| Could not determine your bank account currency, please re-add your bank account | Your saved payout account is missing the currency we need to work out what you'll receive.     | Remove the payout account and add it again. See [Payout methods and withdrawing from your wallet](/contractors/payout-methods-and-withdrawals). |
| Could not get an exchange rate right now, please try again                      | Your balance currency and your account's currency differ, and a live rate couldn't be fetched. | Try again in a moment. Nothing has been withdrawn.                                                                                              |

<Info>
  A withdrawal needs **both** an approved identity verification **and** a saved payout account. See [Verifying your identity](/contractors/verify-your-identity).
</Info>

## Related articles

* [Payout methods and withdrawing from your wallet](/contractors/payout-methods-and-withdrawals)
* [Verifying your identity](/contractors/verify-your-identity)
* [Getting Paid: Contractor Payouts](/contractors/getting-paid-payouts)
* [Your Contractor Dashboard](/contractors/contractor-dashboard)