How Do You Want It? 5 Popular Methods of Receiving Your Sugar Baby Allowance

By Caitlin


You know what you want. And you’ve finally got it – a sugar daddy and an allowance amount that makes you smile.

You’re pleased, you’re excited, but you’re also wondering…what exactly do I do with this money?!

A sugar baby allowance is unlike anything you’ve received before. It’s not income from a place of work. It’s not a little birthday check your grandparents sent you. It’s a regular infusion of cash and you’re going to have to come up with the best way to handle it.

Every sugar baby has her own preferences and pretty soon, you’ll find what works best for you. In the meanwhile, here are some of the most popular ways sugar babies like to receive their allowance (in no particular order).

1. Cash

One way to receive your allowance is in cold, hard, untraceable cash.

Pros: Cash is pretty much untraceable.

Cons: Cash is a good option because well, it’s untraceable, but we would only recommend going the cash route if you’re very, very good with: 1. not losing things and 2. managing your cash. Anyone whose received a bulk of cash can testify how easily it is spent and how difficult it is to recall precisely what it was spent on…

And even if you’re really good at both those things, cash still comes with a few downsides:

  • It’s kind of awkward. A lot of sugar babies – and sugar daddies – don’t like the handing-over-of-the-stuffed-envelope routine so much.
  • It’s risky. If you’re receiving a few thousand in cash every month, you might suffer mounting paranoia in direct correlation with the amount of cash you’re storing.
  • It’s untraceable. Sure, this is an advantage of cash as well but it’s also a huge disadvantage. If you lose it or it’s stolen – it’s gone for good.

Tips on getting cash: If you decide to go the cash route, we recommend doing this as soon as you get your allowance:

  • Get money orders to pay your rent, your car payment, your tuition, etc. You can get these money orders for like a dollar or two at your local post office and it is a safe, untraceable way of paying your bills and reducing your cash burden.
  • Make little deposits into your bank account. See the next section for more on this.

2. Bank Deposit

Another popular way to receive your allowance is through bank deposit. Once you trust your sugar daddy, you can give him the name of your bank, your name and your bank account number and he can make weekly, bi-monthly, or monthly deposits directly into your account.

Pros: Hands-off and easy. Plus, the money in the bank is typically more secure than hoarding wads of cash under your mattress.

Cons: The biggest con is the possibility of tax trouble.

According to

“The minimum deposit that require banks to report it to the IRS is $10,000. Reporting of bank deposits over $10,000 or more is required by the federal law in accordance with money laundering and drug trafficking laws. Failure to report transactions over the said amount are punishable by law.”

Most sugar babies have an allowance that’s under $10K, but regular deposits of a few thousand dollars might also set off bank alarms and some prefer to be safe than sorry.

3. PayPal

PayPal is a super convenient way to receive money without giving out any of your personal details. All your sugar daddy needs is your email and he can send you your allowance in a matter of minutes.

Pros: Instant, fast, convenient, and protects personal information.

Cons: There remains an electronic record of every payment your sugar daddy sent your way. This might not be a problem, but PayPal has new regulations…

“PayPal says it will use your tax ID number to send tax Form 1099-K to you and the IRS when the payments you receive exceed both of these milestones in a calendar year:

  • $20,000 in gross payment volume for goods and services
  • 200 payments”

Most sugar babies won’t meet these regulations (i.e. 200 payments), but all that information will be sitting in your PayPal account if the IRS does decide to go browsing.

4. Other Peer-to-Peer Payment Options

PayPal is no longer the only viable peer-to-peer payment method – there are a whole host of other apps that let you receive your sugar baby allowance with only the username and/or email associated with your account. No personal details = no chance of a potential sugar daddy scamming you.

Which apps are best? Try SquareCash, Google Wallet or Venmo (which was acquired by PayPal).

Pros: Same as PayPal – instant, fast and protects your personal information. The next time a potential sugar daddy asks you for your bank account password – so he can “check” the payment – you can give him your email address or tell him to go take a hike.

Cons: Again, there will be an electronic record of the transactions so it’s not anonymous.

5. Pre-Paid Card

This is probably one of the best options for sugar babies.

Pros: Pretty much as untraceable as cash, easy to reload, can withdraw money from the card and use it to pay all your bills.

Cons: It could be a headache if you lose it. To make sure you can be re-issued a new one and not lose the money you have in your account, be sure to keep a copy of your card number as well as the toll-free number listed on the back of the card.

6. Bill Payment

Another popular option for sugar babies is to have their sugar daddies pay all their bills.

Pros: No money – or very little money – actually changes hands. He pays the rent, tuition, and other bills directly so you have no bills to worry about.

Cons: Lack of control and you have to disclose all of your bills information and personal information to your sugar daddy.

7. Bitcoin

Bitcoin – the infamous cryptocurrency – is no longer the sole domain of drug dealers and money launderers. In fact, it’s a great way for a sugar baby to get paid 🙂

Pros: Everything is pretty much anonymous since sugar daddies can make payments and sugar babies can receive payments without their personal information being tied to the transactions.

This lessens the risk of scams and identity theft (although if you’re worried about your sugar daddy stealing your identity, he probably shouldn’t be your sugar daddy…).

Cons: The most obvious downside of Bitcoin is that it does require some – albeit minor – tech know how to handle. Your SD and you will need to find services online to use it properly and you’ll have to take care of your Bitcoin key storage and make backups.

Another consideration is the fact that Bitcoin’s value fluctuates…a lot. This would’ve been really awesome news if you had Bitcoins in January 2013 (when they were worth $14) and kept them until now (when they’re worth over $700) but if you get caught at a time when they’re sliding in value and you need to withdraw them to pay your bills – that’s not a happy transaction.

We’d recommend Bitcoin for somewhat tech savvy sugar babies who have enough to cover basic living expenses and want to use an anonymous, 100% independent currency to receive payment as a backup savings and investment account.

As for sugar babies who need all of the allowance for living expenses – skip Bitcoin.

There is really no right or wrong way to receive your allowance. Just go with the option you’re most comfortable with and remember to always do your research!

*Updated November 19, 2017

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(61) comments

[…] How do you want to receive your allowance? Cash? Pre-paid credit card? Monthly bills paid? Read more about popular methods to receive a sugar baby allowance here. […]


[…] not entirely sure if I have to report Paypal account holdings for my scholarship application. But sugardating101‘s post about payment methods, they pointed out some pitfalls with […]

Ebony May 17, 2016

I have been on every sugar daddy dating site I could find and all the sugar daddies I spoke to has been asking for banking information is that a scam I told them to send it through the mail and they no longer wants to help me

    Tishia September 12, 2016

    Ebony who are they what are their names I’ll have a look hun

    Brittni August 20, 2017

    Same here I told them I’ll do PayPal cash or cash app and they act as if I ask them to kill someone

      autumn September 11, 2017

      same, if you cant cash app, pre paid card or pay pal it then i dont want it

    Couture blue January 26, 2018

    Same here

Lucy September 5, 2016

I am looking for someone who could treat me like a princess and that would take very good care of me

mark September 30, 2016

how about setting up an ibc ( or international business corporation) in 1 jurisdiction with a bank account linked to a credit card in say the isle of man or sark or Luxembourg, etc. If there is over $250,000 a year going through have an asset protection trust as well as international trust agreement banking agreement drawn up

Nichole November 7, 2016

If my sugar daddy user name and password to my acct and acct number and routing number is he trying to spam me??

    Ashley April 9, 2017

    Yes, 100% there’s a ton of guys on these sites that ask you for user names and passwords to your account! They want to get into your account so they can drain it! They claim that they been burned by other sugar babies and that this is the only way that they will deposit money into your account is by doing a mobile deposit. I’ve had the same thing happened to me plenty of times. I’ve explained that they can use PayPal, they can use SurePay by Wells Fargo, they can use Venmo, they can use square…there’s plenty of way someone can send you money without giving up your login information! Don’t do it it’s a scam 100% say goodbye and don’t look back.

      Miranda July 8, 2017

      Can you email me I have some questions!

      Izzy October 24, 2017

      Hey Ashley can you shot me an email I have some questions..

      Ana November 27, 2017

      Im crrently establishing allowance with my first POT and how to receive said allowance but I have a ton of questions. Can you please email me

      Sandra October 12, 2018

      I’m a newbie to being a Sugar BAby I feel so stupid I didn’t do my resarch before I acually gaved my bank info this SD asked for my bank username and password I trusted him he made a deposit of 1,700 which is on hold how can I cancel the deposit ? Is their a way I can just cancel it and what are the consequences to that deposit?

Nikki December 13, 2016

Looking for a suger daddy 2 help me financially

Thandile January 28, 2017

I need a fine looking sugar daddy to spoil me in return you will get something t remember when you home and you will want more

Allison February 14, 2017

I am trying to figure out what to do with my situation.. I’m meeting my SD in march and I have been promised and given as a first allowance a loan which he guarantor for.. I’ll be getting cash when we meet apprantly.. I live in Australia he is in NY do loaning companies ask for a fee when sending money overseas ???

Rosie February 24, 2017

How do you declare your money gifted to you as taxable? I don’t want to get in any trouble and would rather everything was upfront. Does it count as personal allowance? Is it me being self employed? Would I get questioned about where I got it all anyway?

mimi March 3, 2017

a new sugar daddy claims to have spent a lot on his last project (didnt mention what it was), stating his last month’s check is still delayed. he wants me to take a loan of 3k from the company that gave him the loan, while making him the guarantor to pay back.

Is this safe. i don’t believe it because i never even met him. If it’s so simple, why can’t he take out another loan. do you think i should do this or is he a fraud. wouldn’t he get my personal info in me doing this fake loan? it could be him portraying the loan company for all i know. please help

    Ashley April 9, 2017

    Don’t do it! It’s 100% scam! Anyone asking you to send money back to them or to take out a loan is trying to launder money in some way or another! Don’t get involved with that or you could end up getting arrested in jail! It’s not worth it this is not a real sugar daddy. I’m real sugar daddy would never ask you to do something like that! Be safe be smart. If it feels wrong and it doesn’t sound right it’s not. Trust your gut girl.

    Remi April 25, 2017

    Andrew I bet his name is just tried the same with me. I would never take out a loan for a stranger. He later called me out of my name for telling him no and and that karma would get him

Lisa May 18, 2017

My potential SD says he only does bank to bank transfers. Is this legit or a scam. Should I create an account just for him to transfer money into and then remove it?

Lisa May 18, 2017

So he’s saying he wants me to open a separate account at a specific bank and he’ll transfer money into it? I need a mentor! I’m so new and I don’t want to lose the little I do have!

Tish May 23, 2017

By all means, if you’re still new to the SD-SB relationship, don’t accept anything unless it’s in cash! I did this with a guy who promised that he was going to send money, I trusted him, and he kept telling me over and over that he was going to send it, but he never did! Treat yourselves like a princess before expecting anything from anyone, and don’t settle if you feel uncomfortable with the deal. If it seems too good to be true, it most likely is.

    Colin September 2, 2017

    Killing tine until retirement

Jvaz819 May 23, 2017

My Sd asked for my bank info and said. No. I suggested pay pal but he refused and offers to pay with check. Is this a safe way to get my allowance or No? I need guidance

Libby June 5, 2017

I have been promised a large amount of money by a potential sugar daddy and he is wanting not only my checking account information but also mobile banking information… I try to see the good in this situation but I have my doubts. My checking account has $0 in it and was created for our transactions, but i don’t want to be made out to be a fool considering my primary checking is attached to this account… what do I do!? Any suggestions??

Joann Celestine July 16, 2017

I have a PayPal account already just have to let you know the account number. Will let you know

BabyOC September 1, 2017

I’ve been using Amex bluebird . It’s been awesome for depositing & spending my 10k a month allowance. My SD had only paid cash to others so when I mentioned my method he was very proud to see I had done my research into being a responsible SB. It’s a win win

    Kelly October 22, 2017

    Girl help me get a sugar daddy like yours giving allowance of 10k per month ! Text me 209-675-9270

    Jasmine January 11, 2018 hi baby congratulations on your 10K sugar daddy if it’s not too much trouble can you please email me I would like to ask you a few questions. All real sugar daddies and pay pigs and slaves feel free to reach me only if you would do PayPal for me which is extremely easy and to the scammers please do not waste your time because I will never ever give any personal information out ever

    candy February 27, 2018

    help me find one too girl

    candy February 27, 2018

    thanks for sharing i just download the Amex Bluebird app it looks great so far.

Les September 6, 2017

help! my sugar daddy wants me to open a bank account so he can “link” his account to mine and I can take out cash anytime I want. I’m afraid of being scamed.

Shae September 7, 2017

I keep getting men asking for my bank login info to make a deposit. I called my bank and they said this is needed. It feels like a scam tho??

    Caitlin September 9, 2017

    Hi Shae, not sure what you mean. The bank login info is for online banking and is not necessary to receive a wire transfer. All he needs is your bank account number and a routing code – not your bank login details.

Montana September 10, 2017

Has anyone tried Chase Quick Pay? I’m new to this scene and want to have all my ducks in a row before I really get started.

Candy September 18, 2017

I use PayPal or receive cash. Never had to give out my bank details. I would only go that far with a SD that I really trust

Miranda September 19, 2017

I have a question a Sugardaddy told me to get a nonreloadable prepaid card so he can deposit money on it..i knew it was a scam but what do u guys think

Sam October 3, 2017

I have a potential sugar daddy and I don’t know if i should trust him with personal banking info. Should i just open a new account?

melis November 3, 2017

I am brand new to this. How do you figure out an amount? My SD is asking me and I have no idea what to say.

MarsFlower November 8, 2017

Help! I’m new to the Sugar Bowl as well. I’m talking to a POT and he wants me to get a onevanilla prepaid card. Is that safe? Or am I being scammed? I just want to make sure. Is that prepaid card a good one?

Thank you!

    Mercedes November 13, 2017

    Did you ever find out about your question? I want to know too

    Amanda January 31, 2018

    Im having the same problem as well. The card itself even says it’s non reloadable. So the hell they would reload it. It’s making me wonder. I’ve had 2 SD tell me to get one. But I have to put 50 in it just for them to out money on it.

Anonymous November 15, 2017

I’m thinking of getting into the sugar bowl as well. SM says she’ll pay my cc bill with 1 grand a week allowance. Scam or not?

emily December 11, 2017

yes can some wise sugar baby please text me 9564138485 im freaking out about how to do my taxes for the coming year.. ive had different sugar daddies over the course of the year i started sugaring in april 2017 and ive earned from april till now about 6000 so how do i do my taxes.. i do not want to be under the radar of the irs please help

    Angel January 9, 2018

    Found a solution yet?

Patricia December 23, 2017

I have a POT that transferred money from a Russian business called NSI money transfer. He has a receipt and I got emails from the company saying my money was ready. But there is a 10% service fee that I have to pay first. It states it on their website. The instructions were to go thru western union or money gram and sent it to a person that’s local. Basically send $500 to some woman here in Dallas. I haven’t done it. Anyone else heard of this company?

Merita December 23, 2017

Hi im merita can you please help me i own money to people just to get out of this problem

Chastity January 9, 2018

I was told to go buy a prepay beesor or Mastercard put $50 on it and he will top it Straight up from merchant I account through his bank, Hum new to this have no idea what the h*** he is talking about but I don’t want to sing dumb are stupid lol please help is this legitimate can he a blow money on the car without me giving him the information

Alexia January 11, 2018

My sugar daddy wants the login information to my bank account is this a scam

James January 18, 2018

I understand why they are asking for bank logins or getting a credit card from WalMart. They are not trying to scam you or drain your account. Of course, if you have so much money in your account you won’t be looking for a sugar daddy. It is only bad when they deposit a fake check in there cos the bank will come calling after a month or two or less.You guys have a lot to learn about this. I know everything and I mean everything. You can make so much money with this if you understand what they do. I can share my knowledge with anyone willing to learn 512-273-4650

    Kimberly March 8, 2018

    I need guidencd!! First time sugar baby.. but am aware of fake people on social sites.. but i dont want to come into this with a mindset of whos fake. I have been researching online but now im lost!! I would just dive right in but i am taking this seriously.. i need help ..especially all this bank acct info? Please

kat January 24, 2018

Ok so ever since I have become a SB I have gotten nothing but seemingly scammy demands. I was just in an arrangement with someone i thought I trusted and it ended up with him using a fake check to deposit into my account. Thank goodness my bank had taken a good look at the check because if not it would have gotten bad quick. I really need some mentoring from a recent or previous SB who has had both some good and bad. So i can be taught what is basically right or wrong when it comes to the different aspects of a POT.

Mari January 26, 2018

I want something that’s not trace able.

Jamie Evans February 5, 2018

Looking for a sugar daddy to spoil me and help me financially

Veronica March 26, 2018

Pre-paid cards are traceable and can be cancelled and funds replaced if lost or stolen. You can even dispute a transaction on them. The reloadable ones are just a like a bank account and you have to verify all of information. The non-reloadable ones can have outrageous fees such as a per transaction fees, account maintenance fees, etc.

And Bitcoin is not as anonymous as everybody thinks. Security experts call it pseudonymous privacy. Your personal details can be linked to your Bitcoin address and as soon as that happens, your entire purchase history is revealed.

Cash is always the best. Just be smart about it.

MIT calls it pseudo-anonymous. Yes, your purchase are only identifiable by an electronic address but once you and your electronic address are connect

    Jasmire April 14, 2018

    Okay so the prepaid card thing is not An scam or is it…ive gad numerous sd ask me to purchase one!!!

Garnent May 27, 2018

Hi, I’m new as a SB if anyone can be kind to answer my question, is it safe from the IRS from snooping if my POT transfers money to my bank account?

Ro August 4, 2018

I met a potential SD on Grindr and it looks too good to be true! He says no PayPal but he asked about checks? He gave me his number and we are texting back n forth. He seems really nice?? I’m new to this and I just don’t want to be scammed! Any advice or help?

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