For UK adult creators · text only · 18+

OnlyFans vs Fansly for creators

This OnlyFans vs Fansly for creators page uses the public terms, not a screenshot from someone else's dashboard. Both say creators keep 80% of the relevant fan payments.

The OnlyFans vs Fansly difference that matters in the UK is paperwork, not the headline cut. OnlyFans is operated by a London company and has described a UK fan selfie check to Ofcom. Fansly's terms set an 18+ rule and do not name the UK fan method.

For UK creators	OnlyFans	Fansly
Creator share	Verified Creators keep 80% of earnings. The Creator Center says creators own their content and keep 80% of all earnings.	Verified Creators earn 80% of the revenue from subscriptions, sales or tips related to their content and profile. A valid payout method is required before payments are issued.
Platform fee	Verified The fee is 20% of the total fan payment and is deducted from each fan payment. That covers subscriptions, pay-per-view and tips, because the fee applies to each fan payment.	Verified The terms state the creator share as 80% of subscriptions, sales and tips. They do not publish a separate fee table. The remaining 20% is the implied platform share of those amounts. Chargebacks and content that breaks the terms can be deducted from that revenue.
Currency and GBP	Verified Official figure: US dollars. All fan payments and creator earnings are transacted in USD. No GBP price list is published in the terms. A UK bank or e-wallet may add its own conversion fee. OnlyFans says it does not control that rate or those charges.	Verified Official figure where one is printed: US dollars. The inactive-account fee is USD 5 a month. No GBP subscription price list appears in the terms we read. Do not convert the 80% share into a pound figure. The share is a percentage of whatever the fan paid.
UK payouts and banks	Unverified Unverified which UK banks, building societies or e-money apps are offered. The public terms and Creator Center do not name Barclays, HSBC, Monzo, Starling, Revolut or any other UK firm. They do say the method depends on where you live, and that your bank may charge conversion because earnings are in USD.	Unverified Unverified for named UK banks and for whether UK creators are paid by Faster Payment, SEPA or SWIFT. The terms describe a bank account, a payout processor or a direct bank wire. They do not mention UK sort codes, account-number formats, or a UK e-money firm.
Payout speed	Verified New earnings sit in a pending balance first. The Creator Center example: a tip on 1 June stays pending until at least 8 June, then moves to the current balance and can be withdrawn. You can withdraw manually, or use weekly or monthly automatic withdrawals. How many days a UK bank then takes to show the money is not given as a fixed number. It varies by country.	Unverified Unverified. The terms we read do not state a pending period, a review time, or how many days a transfer takes to reach a bank.
Minimum payout	Unverified Unverified as a dollar or pound amount. The terms say the balance must meet the minimum payout amount, and they do not print that amount.	Unverified Unverified. The terms require a valid payout method before payments are issued. They do not print a minimum in dollars or pounds.
Chargebacks and refunds	Verified If a fan gets a refund or a chargeback from their card provider, OnlyFans may deduct the creator-earnings portion of that amount. Fans agree not to make unjustified refund or chargeback requests. A successful bad-faith request can lead to the fan account being suspended or deleted. No separate per-chargeback admin fee is stated in section 10.	Verified Fansly may deduct revenue from subscriptions, sales or tips that resulted in a chargeback, and revenue tied to content that breaks the terms. A fan whose purchase leads to a chargeback may have their account suspended or terminated. The terms we read do not promise that creators are shielded from ordinary chargebacks.
UK creator age and identity check	Verified OnlyFans told Ofcom that UK creators must pass full age and identity verification before opening an account. The same response says a third party checks a photo identity document and a live capture of the face, and that creators also provide an address, bank details and social media information before a manual approval. The terms match the ID-and-photos step. This is the platform's own description of its check. It is not a suggestion to avoid it.	Verified The public terms require creators to be approved, to be 18 or over, and to keep identity and consent records for anyone depicted. They also allow collection of biometric data from verification documents. They do not describe a UK-only creator flow or name an age-check supplier. Ofcom's standard for services that allow pornographic content is separate: see the Online Safety Act guide. This paragraph only reports what the terms say.
Referral programme	Unverified Unverified as a percentage or cap. The terms say the Referral Program Terms are part of the contract, and they ban Google Ads and similar search ads for promoting a creator account. The referral-terms page did not load on 29 October 2026, so we are not stating a rate, a window or a cap.	Verified The creator referral code is for new creators who have not finished their application. The Creator Hub says that code earns 5% of their sales for one year. The terms add that the new creator must use the same browser that clicked the link, and that referral ads must not use Google Ads, Facebook Ads or similar services to impersonate Fansly. A rate after that first year is not stated on the Creator Hub page we read.

Fansly vs OnlyFans fees and the cut

On Fansly vs OnlyFans fees, both published creator shares are 80%. OnlyFans states a 20% fee on each fan payment. Fansly states that creators earn 80% of subscriptions, sales and tips, so the Fansly vs OnlyFans cut is the same headline percentage, with different small print.

OnlyFans can deduct the creator-earnings portion of a refund or chargeback. Fansly may deduct revenue that resulted in a chargeback. Neither page prints a UK withdrawal fee.

Which is better for a UK creator?

OnlyFans vs Fansly which is better depends on what you can verify. Choose OnlyFans if you want a UK-registered operator and a fee clause written as 20% of the fan payment. Choose Fansly if the Creator Hub referral (5% of a new creator's sales for one year, applied before the application is finished) matters, and you can live with unpublished UK bank names.

Neither platform published a GBP price. Budget in dollars, then let your bank show you the sterling credit.

Questions people ask

Is the Fansly vs OnlyFans cut still 20%?

The pages checked on 29 October 2026 still show an 80% creator share on both. Confirm the live terms before you switch.

Do either of them name UK high-street banks?

No. OnlyFans says the payout method depends on where you live. Fansly says bank account, processor or wire. Named UK banks are unverified.

Sources

Checked 29 Oct 2026. This is not tax, benefits or legal advice.