Subs vs OnlyFans (2026): A Guide for Creators
Subs is the new platform with a familiar founder. OnlyFans is the established giant. If you create content in the US, you are probably wondering whether Subs is worth a try.
Here is what each platform's own terms and help pages say, as checked in October 2026.
The short answer
Both keep 20% and pay you 80%. Pick Subs if you want an early spot on a growing platform with clear, published withdrawal rules. Keep OnlyFans if your audience already lives there.
Side by side
| Subs | OnlyFans | |
|---|---|---|
| Standard creator share | 80% | 80% |
| Minimum withdrawal | $50 | A minimum applies; amount not stated in its terms |
| Processing time | Up to 7 business days | Not stated in its terms |
| US paperwork | ID and signed W-9 | ID verification |
| Currency | USD | USD |
Can US creators use Subs?
Yes. Subs is run from the US, its help center tells US creators to sign a W-9 so payouts can be reported to the IRS, and you can withdraw to a bank account or a MassPay wallet.
Outside the US, availability depends on whether your country appears in the bank setup list.
Fees
Subs' terms charge creators 20% of subscriber payments, excluding VAT. OnlyFans' terms also set a 20% fee per fan payment. On fees alone, it is a tie.
Getting paid
Subs publishes its rules clearly: once earnings clear and your available balance reaches $50, you can request a withdrawal, processed within seven business days.
OnlyFans also pays on request once a minimum is met. Its terms do not state the amount, so check your banking settings.
Founders and momentum
Subs was co-founded by Tim Stokely, an OnlyFans co-founder. In October 2026 it announced that Megan Fox had become a co-owner and opened her page there.
A young platform can mean less competition and more attention from the team. It also means a smaller audience today, so plan to bring your own fans.
How to test Subs without risk
- Keep your main page where it is.
- Open a Subs page with one clear reason to follow you there, like exclusive behind-the-scenes posts.
- Announce it with one link and keep your prices consistent.
Comparing more options? Read Uncove vs Subs.
Try Subs
Creator referral link: Girls Lounge may earn a commission at no extra cost to you. Terms change; read them before you sign up.
FAQ
Is Subs owned by OnlyFans?
No. Subs.com was co-founded by Tim Stokely, who also co-founded OnlyFans, but it is a separate company with its own terms.
What is the minimum withdrawal on Subs?
Its terms set the minimum at $50, with processing of up to seven business days.
Do US creators need a W-9 on Subs?
Yes. Its help center says US creators must sign a W-9 before their first withdrawal, along with ID verification.
Can fans earn referral money on Subs?
Subs referral links on this site are for creators. We do not promote a fan referral program for Subs.
Sources
- Subs.com Terms of Service, section 12.3, and Subs Help Center articles on withdrawals and bank setup (80% share, $50 minimum, up to 7 business days, W-9 for US creators, supported payout countries).
- OnlyFans Terms of Service, "Creator payouts" (20% fee per fan payment; a minimum payout amount applies, figure not stated).
- PR Newswire, October 9, 2026: Megan Fox becomes co-owner of Subs.com.