Purpose — Add funds for disbursements and other money-out transactions.
Limitation — Top-ups cannot be used to receive payments from customers.
Universal Flow
Open Dashboard → Balance
Click Top Up and choose your country method
Follow on-screen steps and send the transfer
Processing time varies by network, currency, and country (see FAQs).
Indonesia
Instant Top-Up (IDR) via Dedicated VA
Each account has a Top-Up Virtual Account (VA)
Transfer IDR from any bank:
Same-bank – instant
Inter-bank – ≈ 5 min (LLG/RTGS not supported)
Find your VA in Dashboard → Balance → Top Up → Select Bank
Check Status
Dashboard → Balance History → filter Top Up. If missing, open the Pending tab (same-bank usually ≤ 5 min).
FAQ
Top-up not showing?
• Use an instant network (not LLG/RTGS).
• If funds bounced, email help@xendit.co with proof.
Can I get a VA at another bank?
Yes — request one for BNI, BRI, BSS, or Permata.
Philippines
Xendit supports two automated funding routes.
UBP Bills Payment (recommended)
Posts in ≤ 5 min, 24 × 7.
Open Pay Bills (UBP Online) or Bills Payment (UBP Portal)
Select biller “XENDIT BALANCE TOP-UP”
Enter your payment code (Dashboard → Balance → Top Up)
Enter amount → Pay
Bank Transfer + Upload
Dashboard → Balance → Top Up → Bank Transfer
Upload transfer details and slip; processed weekdays 09:00-18:00 GMT+8.
Service-Level Matrix (PHP → PHP Balance)
Method | Cut-off | Credited* |
|---|---|---|
UBP Bills Payment | Any time | ≤ 5 min |
Same-bank transfer | Any time | 5 – 10 min |
InstaPay ≤ PHP 50 k | Any time | 5 – 10 min |
PESONet | ≤ 15:00 | By 19:00 same day |
PESONet | > 15:00 | By 12:00 next biz day |
Cash / Check OTC | Bank SLA | 3 – 5 banking days |
International wire | — | 3 – 7 banking days |
*During support hours 09:00-18:00 PHT, weekdays.
Check Status
Dashboard → Balance History → filter Top Up (check Pending). Email notice is sent once credited.
FAQ
When will my top-up arrive?
If beyond the SLA above, email help@xendit.ph.
Malaysia
Dashboard → Balance → Top Up → Bank Transfer
Upload slip; processed weekdays 09:00-18:00 GMT+8.
After-hours requests post by 12:00 next day if funds are in.
Check Status
Dashboard → Balance History → filter Top Up (see Pending if needed).
Thailand
Dashboard → Balance → Top Up → Bank Transfer
Upload slip; processed weekdays 09:00-16:30 GMT+7. Confirmation email on credit.
Check Status
Same path as above → Pending if needed.
Vietnam
Dashboard → Balance → Top Up → Bank Transfer
≤ 500 M VND – instant credit
> 500 M VND – processed Mon-Fri 08:30-16:00; credit ≤ 30 min once funds arrive
Foreign-Currency Top-Up (USD → local balance)
Use when funding from a foreign-currency account. Xendit quotes the FX rate before credit.
1 · Send USD
Entity | Bank | Account name | Account # |
|---|---|---|---|
Indonesia | BNI | PT Sinar Digital Terdepan | 598 894 948 |
Philippines | UnionBank | Xendit Philippines Inc. | 130 590 027 477 |
2 · Notify Customer Success
Email help@xendit.co with:
• Proof of transfer • USD amount • Registered business name
3 · Approve FX Quote
CS sends the real-time rate (email/WhatsApp). Confirm within 24 h.
4 · Credit
After approval, Xendit converts and credits your balance. Confirmation email follows.
Cross-Border Top-Up to IDR Balance
Option | How to transfer | FX & settlement |
|---|---|---|
Auto-Converted | Send foreign currency to your Top-Up VA | Bank sets the FX rate |
Manual FX | Wire USD to the BNI USD account above | Email help@xendit.co to lock a rate |
Global Processing-Time Reference
Country | Method | Posting time |
|---|---|---|
Indonesia | Same bank | Instant |
Indonesia | Inter-bank | Up to T+1 |
Philippines | UBP Bills Payment | 5-10 min |
Philippines | Same bank / InstaPay | 5-10 min |
Philippines | PESONet ≤ 15:00 | By 19:00 |
Philippines | PESONet > 15:00 | By 12:00 next biz day |
Malaysia | Same / inter-bank | TBD |
Thailand | Same / inter-bank | TBD |
Vietnam | ≤ 500 M VND | Instant |
Vietnam | > 500 M VND | 30 min (Mon-Fri 08:30-16:00) |
Global Accounts
For Global Accounts, you can top up your balance in two ways:
Funding method | Balance availability | Fees | Where to initiate |
|---|---|---|---|
Topping up from an external account | Varies between instant to 5 business days, depending on method | Varies depending on method, charged by your bank | Your bank |
Collections from your payments balance | Instant | Free | Automatically accumulated in your balance with each payment received |
Topping up from an external account
You can transfer funds from your external bank account to top up your balance. Funds topped up into your balance must belong to your business. Funds received from a bank account that does not match the registered name of your business will lead to processing delays or refunds.
You may find top up details for each balance by clicking on the “Top Up” button of each balance.
Navigate to your balance by clicking Top Up on the Homepage, or going to Balance > the balance you intend to fund.
Please note that the top up feature may not be available for certain balances. See what’s available per each balance.
Where necessary, choose your top up method.
Follow the funding instructions clearly. Take note that we may require the following to aid in the identification of your payment:
Adding a reference to your bank transfer
Submitting proof of your bank transfer
Failure to follow all of the funding instructions may result in delays in processing your top up.
Collections from your payments balance
Collections from your payments balance will be automatically available for conversions and payouts. The currency of settlement from your payments balance depends on how you’ve set up your balances for settlement.
View top up status
Settlement time for top ups
Depending on your top up method, top ups may take up to several business days to process.
Contact help@xendit.co if you are having trouble with your top up, or if:
Your top up has not appeared in your balance after 24 hours for a top up via a local bank transfer.
Your top up has not appeared in your balance after 72 hours for a top up via SWIFT.
Only successful top ups are displayed - you will not see a pending top up on your dashboard.
Viewing top up status on the dashboard
To view the status of your top up on your dashboard:
You may check the Recent Transactions section on your Home Page if a top up has been recently performed. Alternatively, you may navigate to Transactions for a consolidated view of all transactions.
You may also navigate to Balances and click on each Balance to see information about each fund movement.
Viewing top up status via API
To retrieve the status of a top up, you may call the:
Get /Balance API of your account to view the latest balance in your account
List /Transactions API of your account to view the line by line transaction of your account. Pass the balance currency as a query parameter.
We currently do not support deposit callbacks for funds deposited into your Xendit balances.