---
title: "Top up balance"
slug: "top-up-balance"
updated: 2025-12-29T06:50:14Z
published: 2025-12-29T06:50:14Z
canonical: "docs.xendit.co/top-up-balance"
---

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

# Top up balance

Topping up your Xendit balance is how you add funds for payouts and other money-out transactions. It's important to know that top-ups are not for receiving payments from your customers.

**How to top up**

1. On your **Dashboard**, go to **Balance**
2. Click **Top Up**
3. Select your preferred **top-up method**
4. Follow the on-screen instructions to complete the top-up

Always follow the top-up instructions carefully to prevent delays. Once you've made a transfer, you can check its status by going to **Dashboard** → **Balance History** and filtering by **Top Up**. Only successful top-ups will appear here, and you'll receive a confirmation email when the funds are credited.

## Top-up methods

Below is a table with detailed information on each currency's specific top-up methods, including processing times and any unique instructions.

| Currency | Top-Up Method(s) | Processing Time | Notes |
| --- | --- | --- | --- |
| IDR | Virtual Account (VA) | Instant (same-bank) ≈ 5 min (inter-bank) | Not supported for LLG/RTGS networks. Find your VA on the Dashboard. |
| PHP | UBP Bills Payment (Recommended) | ≤ 5 min, 24/7 | Select "XENDIT BALANCE TOP-UP" as the biller. |
| Bank Transfer + Upload | Varies by method (5 min - 3-5 business days) | Processed weekdays 9:00 - 18:00 GMT+8. Please provide proof of transfer from the registered business entity or its designated PIC. For security and compliance, funds sent via unregistered individuals may be subject to further review and potential rejection. |
| MYR | Bank Transfer + Upload | Processed weekdays 9:00 - 18:00 GMT+8 | After-hours requests are processed by 12:00 the next business day. |
| THB | Bank Transfer + Upload | Processed weekdays 9:00 - 16:30 GMT+7 | Confirmation email is sent on credit. |
| VND | Bank Transfer + Upload | ≤ 500M VND: Instant > 500M VND: 30 min (Mon-Fri 8:30 - 16:00) |  |
| SGD | Bank Transfer + Upload | Processed weekdays, 9am-4:30pm GMT+8 |  |
| HKD | Bank Transfer + Upload | Processed weekdays, 9am-4:30pm GMT+8 |  |
| USD | Bank Transfer + Upload | Processed weekdays, 9am-4:30pm GMT+8 |  |
| USD (with conversion to your balance currency) | SWIFT Bank Transfer | Processed weekdays, 9am-4:30pm GMT+8 | Requires an email notification with proof of transfer. You must approve the FX rate. |

## Topping up with foreign currency

If you need to add funds to your Xendit account from a foreign currency account, you have two main options.

### Option 1: Foreign Currency Top-Up (USD to Local Balance)

This method is for funding your **local balance** directly from a **USD account**. With this option, you get to approve the exchange rate before the money is converted.

**How it works:**

1. Send a **USD wire transfer** to the designated Xendit bank account for your region
2. Email [**help@xendit.co**](mailto:help@xendit.co) with your proof of transfer, the USD amount, and your business name
3. Our team will send you a real-time exchange rate quote via email or WhatsApp. You must approve this quote within 24 hours.
4. Once approved, the funds will be converted and credited to your local balance

### Option 2: Cross-Border Top-Up to an IDR Balance

This method is used when you want to top up your **IDR balance** from a foreign currency account. You have two ways to do this:

| Method | How to transfer | Foreign exchange & settlement |
| --- | --- | --- |
| Auto-converted | Send foreign currency to your dedicated IDR Top-up Virtual Account | The foreign exchange rate is determined by the bank and the funds are automatically converted and credited. |
| Manual Foreign Exchange | Send a USD wire transfer to the BNI USD account. | Email [**help@xendit.co**](mailto:help@xendit.co) to lock in a specific exchange rate before the funds are converted. |